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2-Year Fixed-Rate Homeowner Loans

Loans must start by 31 July 2010.
Rates effective from 24 February 2010.
Borrowing between £5,000 and £1,000,000, up to 60% of your home's value

Initial Rate	Followed by the Standard Variable Mortgage Rate, currently	The overall cost for comparison is	Product fee	Early Repayment Charges
5.19% Fixed until 31 May 2012	2.50% for the remainder of the term	3.1% APR	£895	Yes. Until 31/05/2012
5.49% Fixed until 31 May 2012	2.50% for the remainder of the term	3.0% APR	£395	Yes. Until 31/05/2012
5.89% Fixed until 31 May 2012	2.50% for the remainder of the term	3.0% APR	None	Yes. Until 31/05/2012

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

Loans must start by 31 July 2010.
Rates effective from 24 February 2010.
Borrowing between £5,000 and £1,000,000, up to 80% of your home's value

Initial Rate	Followed by the Standard Variable Mortgage Rate, currently	The overall cost for comparison is	Product fee	Early Repayment Charges
5.49% Fixed until 31 May 2012	2.50% for the remainder of the term	3.1% APR	£895	Yes. Until 31/05/2012
5.79% Fixed until 31 May 2012	2.50% for the remainder of the term	3.1% APR	£395	Yes. Until 31/05/2012
6.19% Fixed until 31 May 2012	2.50% for the remainder of the term	3.0% APR	None	Yes. Until 31/05/2012

Back to top Start applying for your Mortgage. (Opens in a new browser window).

See our fees and charges, important information and how to apply.

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

Fees & charges

Options with no product fees.
No higher lending charge.
Even during the Early Repayment Charge period you can repay up to 10% of the balance each year without the charge applying.

Mortgage fees

Fee	Cost	Summary
Application fee	£99	You'll need to pay this non-refundable fee when you send us your application.
Product fee	Options as shown in mortgage rates.	The rate table(s) show what non-refundable product fee (if any) is payable. Where a product fee applies, it will be added to your new loan. Once your new loan starts, if you pay the fee off within 30 days no interest will be charged on it. Or if you want to spread the cost, you can leave it on your mortgage and interest will be charged on it as part of your mortgage.
Transfer of funds fee	£35	You'll need to pay this non-refundable fee for the transfer of money when your additional borrowing starts. The fee will be added to the mortgage and interest charged.

Early Repayment Charges
If you repay your loan (or more than 10% in any year) during the fixed rate period, an Early Repayment Charge will apply. But you can repay up to 10% of the balance (as at 1 January) each year and the charge will not apply (unless you go on to repay or change the rest of the loan within the next six months). For amounts above 10%, the charge will be a percentage of the amount repaid and varies depending on how long you have left on your fixed rate - see below.

Repayment period	Charge (% of amount repaid or changed)
Before 01/06/2011	3%
01/06/2011 - 31/05/2012	2%

More about Early Repayment Charges

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

Important info

Before you apply
Fixed-rate funds are limited and these mortgage deals can be withdrawn at any time. Funds can be reserved only when we have received your completed application form and application fee.

Please check the date the rate is fixed until as, depending on when your new loan starts, it may not be exactly 2 years - it may be slightly more or slightly less.

When you’re getting additional borrowing with us:

The most you can borrow against the value of your home is 80% in total. This means that your current mortgage and additional borrowing amount added together cannot be more than 80% of your home’s value.
If your total mortgage including the additional borrowing is 75% or less of your home’s value, you can arrange your new loan on an interest only or repayment basis.
If your additional borrowing takes the total amount above 75% of your home’s value, all of the new amount must be on a repayment basis. It’s because a repayment mortgage offers more certainty than an interest only mortgage of clearing your mortgage by the end of the term.

After your new loan starts
Within six months of your new loan starting:

You cannot apply to borrow more.
You cannot change the term over which your mortgage is due to run.
If you decide to let your property, you must end the mortgage you’ve taken out, paying any Early Repayment Charge that applies, and switch to one of our Buy-to-Let Mortgages.

At the end of your fixed-rate period, the rate on your loan will switch to the Standard Variable Mortgage Rate, which at that time, could be higher or lower than the rate you will have been paying and may vary over the remaining term of your mortgage.

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

How to apply

Start online
Start your application and one of our mortgage experts will call you back at a time to suit you, to make sure you’re happy to proceed.

To do this, you’ll need to have the following for all applicants:

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

Start applying for your Mortgage. (Opens in a new browser window).

By phone
If you prefer to talk through your options first, call 0800 783 3534*. We're open 8am-8pm Monday to Friday and 9am-4pm on Saturday.

In branch
Call to arrange an appointment at your nearest branch on
0845 3000 000.

If you’re booking an appointment with one of our mortgage experts, it’s useful to take the following with you:

Your last three months' payslips.
Your last three months' bank statements if you want any other income to be considered e.g. rental or investments.
If you already have an existing mortgage elsewhere, your last year's mortgage statements.
If you’re self-employed, two years' self-assessments.
If you’re within five years of your planned retirement age or aged 60 or over, your up-to-date forecasts for any state, company and/or personal pensions.

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

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Next steps

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Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority. 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

C&G mortgages are provided by Lloyds TSB Bank plc and administered by Cheltenham & Gloucester plc. Lloyds TSB Scotland plc offer their own range of mortgages, find out more.

* We may monitor and/or record telephone calls in case there's a need to check that your instructions have been carried out correctly and to help improve our service quality.