YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Choosing your mortgage

Choosing your mortgage

Mortgages can be confusing, but we could help you find the best option. We have a range of mortgages to suit most people.

See what we have to offer:

Already know which mortgage type you want?

If you already know what type of mortgage you’d like, choose from our:

Make mortgage calculations

Get the right mortgage at the right price. Find out how much we might be able to lend you and how much your monthly payments could be.

First-time buyer

Getting on the property ladder

Help and guidance

There’s more to buying a home than just getting a mortgage. Find answers to your property questions in our useful guides.

Next steps

Ready to take the next step?

Find out how much we might be able to lend you and what your monthly payments could be.

Remortgaging

Take the hassle out of moving your mortgage

Lloyds TSB remortgage switching service could help make switching your mortgage easy and even save you money with a mortgage from our range

Our Remortgage Switching Service could help…..

Our Remortgage Switching Service could help to take the hassle and expense out of switching.

With a dedicated team of experts to help customers through the process, Lloyds TSB will not only help you find the right product for you but also do the rest of the work for you, including:

  • Letting you know how much you could borrow
  • Giving you details of products available from our range
  • Arrange and do not charge for basic legal and valuation work when taken through Lloyds TSB

If you’ve got a Lloyds TSB current account and have £1,000 or more a month paid in to it you will also benefit from

  • 0.2% discount on your initial mortgage rate

Are you eligible?

The amount you can borrow will come down to what we think is a sensible amount to lend you and what you think you can afford. To help us make this decision, we take into account:

  • your income
  • your outgoings
  • your age
  • records of previous loans and credit
  • the property value

 

How much could you borrow and how much will it cost?

To get a good idea of how much you could borrow, use our borrowing calculator.

Remember, the most you could borrow is 90% of the property's value. Or if you want to increase you mortgage amount at the same time the most we'll lend, including an additional amount, is 80% of your home's value.

To see how much your monthly payments could cost, use our payments calculator.

Existing customer

Additional borrowing

If you already have a mortgage with us you could get money for home improvements or a big purchase by applying to borrow more.

You can apply:

  • If it's been at least six months since you took out your mortgage
  • If your existing mortgage and the new amount you want to borrow adds up to no more than 80% of the value of your home
  • For borrowing on an interest-only basis , if your existing mortgage and the new amount you want to borrow adds up to no more than 75% of your home’s value
  • If the amount you'd like to borrow is more than £5,000
  • If you are an existing Lloyds TSB Scotland mortgage customer please call 0845 6024 237 for additional borrowing.

Switching deals

If your current deal is ending, or even if you’re already on one of our variable mortgage rates, you might be wondering what you could do next.  Let us help you to decide how to get the most out of your mortgage.

You could:

  • Switch to a new mortgage with us
  • Stay on the variable mortgage rate
  • Apply to borrow more
  • Arrange to speak to us if you are still unsure

Existing customer services

Take advantage of a range of extra services to help you with your mortgage.

Buy-to-let

Extend your property portfolio

Whether you’re starting or expanding your property portfolio, we’re here to help you get the right deal with our range of buy-to-let mortgage rates.

You could apply for a buy-to-let mortgage if:

  • You’re at least 18 years old and you won’t be over 75 years old at the end of your mortgage term
  • This isn’t your first mortgage
  • The property is in good condition and not divided into separate units
  • You have no more than three buy-to-let mortgages or a total loan amount of no more than £2 million within the Retail Division of Lloyds Banking Group*
  • Your property is being used for rental purposes
  • You meet all of the standard criteria for a mortgage

* This includes the following brands: Birmingham Midshires, Halifax, Bank of Scotland, Intelligent Finance, Lloyds TSB (including C&G), Lloyds TSB Scotland, The Mortgage Business (TMB) and Scottish Widows Bank. See mortgage considerations.

Our Buy-to-let mortgages

Choose from fixed rate and tracker buy-to-let mortgages

Get help with buy-to-let mortgages

Understand what’s involved in having a buy-to-let mortgage and get important information from buy-to-let organisations.

See our buy-to-let guide


Make mortgage calculations

Get the right mortgage at the right price. Find out how much we might be able to lend you and how much your monthly payments could be.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Ways to apply

Make a start online

Save time by completing our online form, it should take about 20mins to complete and then we'll call you back to take you through your application.

This option is right for you if you're:

  • Ready to provide some details online

Phone us

This option is right for you if you'd like:

  • To know how much we could lend you
  • To discuss your options
  • To apply over the phone

To talk to an expert or apply over the phone

Call us on 0800 783 3534

Lines are open 8am-8pm Monday to Friday and 9am-2pm on Saturdays. We’re closed on Sunday and Bank Holidays.

Existing Lloyds TSB Scotland mortgage customers

If you are an existing Lloyds TSB Scotland mortgage customer applying for additional borrowing, please call 0845 6024 237 (Monday to Friday 9am-5pm).

Visit us in branch

This option is right for you if you'd like:

  • To know how much we could lend you
  • To discuss your options
  • Talk face to face with a mortgage and protection adviser.

Just select Mortgages first and then Book appointment with a mortgage and protection adviser. We'll call you back to confirm a day and time.

You'll need the following details:

  • Income details.
  • Bank account details
  • Any existing mortgage details.
  • Address detail for the last 3 years.
  • Any outstanding financial commitments.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Next steps

Contact us

New mortgage customers

0800 7833 534
8am-8pm Mon-Fri, 9am-2pm Sat

Existing mortgage customer switching to a new deal or looking to borrow more.

0845 3006 793
8am-8pm Mon-Fri, 9am-2pm Sat

If you are an existing Lloyds TSB Scotland mortgage customer please call:

0845 6024 237
9am-5pm Mon-Fri

Existing mortgage queries

0845 6031 637
8.30am-9pm Mon-Fri, 8.30am-1pm Sat

If you're calling from overseas:

+44 1452 372 372
Lines are open 8.45am-6pm, Mon-Fri and 9am-12.30pm, Saturdays

Visit us at a branch

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Important legal information

Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority except for lending where we are licensed by The Office of Fair Trading. FSA authorisation can be checked on the FSA’s Register at: www.fsa.gov.uk/register. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.

Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds TSB Scotland plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237.

Lloyds TSB Scotland plc offer their own range of mortgages. Find out more.