Buying a home

• Preferential rates for our current account customers.
• Free Home Harmony service to help you in the first year.
• Even during the Early Repayment Charge period you can repay up to 10% of the balance each year without a charge.
• In most cases, borrowing of up to 90% of the home’s value, which means you’ll need a minimum deposit of 10%.

Learn more
Know what to expect before you move home.

• Plan ahead by reading our buying a home guide.
• Understand which mortgage is right for you.

First-time buyers
We have all you need to help you understand the home-buying process, and a better idea about the costs involved. Find out more about buying your first home.

Already have a mortgage with us?
If you already have an existing mortgage with us and you’re moving home, you may be able to take the mortgage with you. Keep your current mortgage when moving home.

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

See information about the costs, our mortgages and how to apply.

With our easy-to-use mortgage calculators we can help you work out your costs.

 How much could I borrow?
Use our borrowing calculator to get a good idea of how much you could borrow.

Remember that in most cases the most you could borrow is a maximum of 90% of the property's value. If you’re purchasing a new-build property, our mortgages are only available for borrowing up to 80% of the property’s value, which means you’ll need a deposit of at least 20%.

Go to Borrowing Calculator.

 How much will it cost?
Use our mortgage payments calculator to see how much your monthly payments could cost.

Go to Mortgage Payments Calculator.

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

See information about the basics, our mortgages and how to apply.

Choosing a fixed rate will help you budget more easily around your monthly costs. The rate you pay will stay the same each month until a set date, whatever happens to interest rates generally.

• 2-Year Fixed-Rate Mortgages
• 3-Year Fixed-Rate Mortgages
• 5-Year Fixed-Rate Mortgages

A tracker mortgage rate moves in line with the Bank of England base rate, so your monthly payments could go up or down (within one month) depending on how the base rate moves.

• 2-Year Tracker Mortgages
• Full-term Tracker Mortgages
• Full-term Tracker Mortgages, no Early Repayment Charges

If you’ve got a Lloyds TSB current account that has £1,000 or more paid into it every month, you could apply for our best mortgage rates.

Other mortgages are available if you don’t bank with us or want to borrow more than £1million. Call 0800 783 3534 or visit a branch for details.

Please note: Early Repayment Charges apply on some deals, see our mortgage details.

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

See information about the basics, costs and how to apply.

Will Lloyds TSB lend to you?
A number of things are taken into account when deciding if we can lend to you. Find out if you're eligible.

Start online
It’ll take around 20 minutes to provide your details, and then a mortgage expert will call you back.

You'll just need to let us know the following:

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

Or to speak to a mortgage expert, call 0800 783 3534. We’re open from 8am-8pm Monday to Friday and 9am-2pm on Saturdays. We’re closed on Sundays and Bank Holidays. Or visit your local branch.

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

After you’ve applied
Find a solicitor
Once you’ve applied for a mortgage, you’ll need to appoint a solicitor or conveyancer to deal with all the legal aspects.

Protecting your home and family
Think seriously about insuring your property, but also consider protecting yourself against the financial consequences of unemployment, sickness, critical illness or even death.

See information about the basics, costs and our mortgages.