Online banking

Help for existing mortgage customers

From the small tweaks to the big changes, we can help. You can make changes to your account and switch your deal online, and you can also call our UK-based mortgage team.

Why manage your mortgage online?

It’s a secure and convenient way to view and manage your mortgage, whenever it suits you.

  • Check your current interest rate or your outstanding balance
  • View the amount of your next payment and when it's due
  • Keep track of the Clubcard points you collect each month
  • Change your payment date, bank details or Clubcard number

Switching your mortgage deal

Switching at the end of your initial offer

Before the end of your initial offer period, we'll be in touch advising you of the mortgage products available to you. We've already verified your details, so switching to and securing a new deal should be quick and easy.

You can apply online, by post or by phone on an execution-only basis (where you choose not to take advice and will not be afforded the same protection as an advised customer). Alternatively, you can call our qualified mortgage advisers who will assess your needs and circumstances and make a recommendation for you.

If you want to make changes to the amount you've borrowed, your mortgage term or if you're moving house, our team of qualified mortgage advisers will be on hand to help you.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Switching deals and making changes

If you want to make any further changes to your mortgage when you switch your deal, for example change your mortgage term or add additional borrowing, then you'll need to call us. Our mortgage advisers can ensure you get the right new mortgage product, based on your needs and circumstances.

If you're currently taking a payment holiday, or would like to take a payment holiday at the end of your current deal, you'll need to give our team a call and they can advise on what you'll need to do next.

You can switch products throughout your term but during your initial offer period you may have to pay an early repayment charge.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

What happens if I don't switch?

If you don't change deal then the interest rate on your mortgage will change to our Standard Variable Rate (SVR), currently 3.89% variable, from the end of your initial offer period. If you move on to SVR you can call us to discuss options for finding you a new deal.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Will any overpayments continue on my new deal?

Your mortgage deal could change the amount of your monthly repayment, so any existing overpayments you're making will stop once your current deal comes to an end. You can then decide whether you want to continue making overpayments and if so by how much. If you would like to continue making overpayments after you've switched to a new deal you can call our team and they will set this up for you.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Your mortgage features

Managing your mortgage online

Changing your payment date, bank details or Clubcard number online

If you log in to your mortgage account you can change your payment date to any day between the 1st and 28th of the month.

You can also update your bank details if you need to change where your mortgage payments are coming from.

You can update your Clubcard number at any point. If you forgot to tell us your Clubcard number when you applied but are within the first three months of your mortgage being set up, we'll backdate your points from your first payment.

To access your mortgage account online, you'll need the details you registered with when you took out your mortgage with us. If you need to register, or are having problems registering, then you can call our UK-based team.

Once you've registered, you can go to log in from the top of this page, or any page on the Tesco Bank website.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Making overpayments

With a Tesco Bank Mortgage you can make lump sum or regular overpayments

Making overpayments means you'll reduce your mortgage balance and the amount of interest you'll have to pay.

What you should know about overpayments

  • You could pay off your mortgage early. During the initial rate period, you can overpay by up to 20% of the outstanding balance each year with no early repayment charge.
  • We calculate the maximum yearly amount you can overpay on the same date each year.
  • When the initial rate period ends, you can overpay as much as you want without any charges.
  • If you want to make regular overpayments, we can collect these by Direct Debit along with your normal monthly payment.
  • If you overpay by Direct Debit, there's no minimum amount. If you pay by cheque, the minimum payment is £1,000.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Borrowing more

With a Tesco Bank Mortgage you can apply for additional borrowing after you've made six monthly payments. Additional Borrowing is currently only available on our Standard Variable Rate.

If you'd like to borrow more:

  • You'll need to speak to one of our qualified mortgage advisers.
  • The minimum amount you can borrow is £5,000 and fees may apply.
  • We'll need to check you can afford to repay any additional borrowing.
  • We'll also need to check that it won't increase your total mortgage above our maximum loan to value or increase your mortgage term.
  • Additional borrowing will increase the total amount you owe, the interest payable and your monthly payments.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Taking a payment holiday

After you've made six monthly payments, you can apply to take a 1 month payment holiday. You can take two payment holidays in any 12 month period, and up to six over the term of your mortgage.

After a payment holiday, your payments could increase.

Before we agree to a payment holiday we need to check you can afford it and that it won't increase your total mortgage above our maximum loan to value (LTV). This is the amount of your mortgage shown as a percentage of the property’s value or purchase price, whichever is lower. For example, if your property value (as appropriate) was £100,000 and your mortgage was £70,000, your LTV would be 70%.

If you are on a payment holiday at the end of your current deal and want to switch to a new mortgage product, you'll need to give our team a call and they can advise on what happens next.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Moving home and keeping your mortgage

You can usually take your Tesco Bank Mortgage with you when you move home, keeping your rate for your current outstanding mortgage balance. You'll need to tell us in advance so we can check that your mortgage still meets our lending policy and maximum loan to value requirements. You will have to pay for a valuation or survey on the new property and there may also be legal and other fees to pay.

If you want to increase your mortgage when you move, we will talk you through the options, as well as the charges and fees.

If you want to transfer your mortgage during the initial rate period an Early Repayment Charge may apply. This is a charge you might have to pay if you redeem some or all of your mortgage during the initial rate period. This is shown in your Mortgage Offer. This may apply if:

  • You need a smaller mortgage when you move; or
  • If you transfer your mortgage after the date on which you are due to sell your current property. In this situation we'll refund the Early Repayment Charge as long as completion of the purchase of the new property takes place within 90 days.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Transferring equity

Transferring equity may mean removing a joint owner of the property from the property title and mortgage account, or adding a new joint owner.

Before agreeing to a transfer of equity, we'll look at the ability of the remaining owner(s), and any new owner(s), to afford the mortgage payments.

The property title must be held in the same names as the mortgage account. So if two people are the property owners they must also both be parties to the mortgage.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Changing your mortgage term

You might be able to reduce or extend the term of your mortgage. You can check with us and we'll let you know your options.

If you extend the term, you could reduce your monthly payment, but you'll pay more interest over the term of your mortgage.

Before we agree to change your mortgage term we need to check it still meets our lending policy. A fee may apply.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Switching from tracker to fixed rate

Tesco Bank Tracker Mortgages let you switch to a fixed rate if you need to during the initial rate period, without an Early Repayment Charge. However, you may have to pay other fees.

If you're thinking about switching your mortgage, you can talk to one of our qualified mortgage advisers.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Contact us - we're here to help

Need a few questions answered? Want to chat rather than scroll? Our UK-based teams are here to talk to you six days a week. Lines are open Monday to Friday 8am-9pm and Saturday 9am-4pm.

Important information

Dealing with financial difficulty

Tell us and we'll do what we can to help

Are you having financial difficulties or worried about falling behind with your mortgage payments? Get in touch with us as soon as possible and we'll try to help you get back on track.

You can call our UK-based team on 0345 217 2050* or minicom 0345 055 0607. Our call centre is open 8am-9pm Monday to Friday and 9am-4pm Saturday.

*This number may be included as part of any inclusive call minutes provided by your phone operator.