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Automatic quarterly draws for eligible mortgage accounts

TSB Mortgage Prize Draw 2026: six £25,000 cash prizes

Two people win £25,000 in each quarterly draw: one from eligible existing mortgage customers and one from eligible new or additional-borrowing customers.

TSB’s 2026 mortgage campaign does not require a separate competition form. Customers who satisfy the balance, account-status and mortgage-type conditions at the end of an eligible quarter are entered automatically unless they opt out.

Key point: Buy-to-Let and Consent-to-Let mortgages are excluded, and the qualifying mortgage balance must be at least £25,000 at the relevant quarter end.

Who can take part

  • Be a UK resident aged 18 or over.
  • Hold an eligible TSB or Whistletree residential mortgage with at least £25,000 outstanding, or complete an eligible new mortgage or further advance.
  • Keep the account open, within term and up to date at the end of the relevant quarter.

Entry route

  1. Check whether the mortgage type and balance meet the quarterly criteria.
  2. No separate entry is needed; eligible customers are enrolled automatically unless they submit an opt-out.
  3. Keep contact details with TSB current so the bank can reach a potential winner after the draw.

Two winner groups in every quarter

Each draw selects one winner from eligible existing mortgage customers and one from eligible customers who completed a new residential mortgage or further advance during the quarter. The split prevents all entries from being treated as one undifferentiated pool.

The quarter-end dates are June 30, September 30 and December 31. Draws follow in July, October and January respectively, with contact expected within about a month.

Balance and account status are tested at quarter end

An existing residential mortgage must have at least £25,000 outstanding on the final day of the quarter. It must not be in arrears, beyond its contractual term or classified as Buy-to-Let or Consent-to-Let.

New mortgages and further advances of at least £25,000 must have completed during the relevant quarter and remain open at quarter end. Whistletree customers are included when the same conditions are met.

Automatic entry still requires accurate records

Eligible customers do not need digital banking and do not complete a promotional form. TSB uses its account information to create the draw pools, so current telephone, email and address details remain important.

A winner is contacted by email or through a local branch call. The bank then completes verification before paying the £25,000 cash prize.

Winning once ends future entries

The terms limit each customer to one prize for the campaign, even when that person is named on multiple eligible mortgage accounts. A confirmed winner is removed from later quarterly draws.

Customers who do not wish to participate can use the official opt-out route. Using the prize to overpay the mortgage is optional, and TSB says a prize-funded overpayment will not incur an early repayment charge.

Official source and last check

TSB official landing page and published terms reviewed on June 26, 2026. The organizer’s official source controls if a later amendment changes a deadline, prize or eligibility rule.

Open the official source →

Questions participants may need answered

Do I need to fill in an entry form?

No. Eligible customers are entered automatically unless they opt out.

Which mortgages are excluded?

Buy-to-Let and Consent-to-Let mortgages are excluded, along with accounts that fail the other eligibility conditions.

How many people win?

Six across the campaign: two in each of three quarterly draws.

Can a Whistletree customer enter?

Yes, eligible Whistletree residential mortgage customers are included.

Can the same customer win twice?

No. A customer can receive only one prize during the campaign.

United Kingdom

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