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Lloyds TSB home

Buying a home

Main features and benefits

  • Great rates for customers buying a home.
  • Choose from a fixed-rate or tracker mortgage.
  • Even during the early Repayment Charge period you can repay up to 10% of the balance each year without a charge.
  • Available for borrowing between £5,000 and £500,000.

Special offers

  • Online Exclusives 
    Reduced product fee with this fixed-rate range if you start your application online.
  • Lend a Hand
    Available exclusively for the first-time buyers, you only need a 5% cash deposit, plus the backing of someone wants to help you onto the property ladder.
  • Easy Step Mortgage 
    A lower initial rate to help you in those first few expensive months following buying a home.

Fixed Rates

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

Trackers

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.

Mortgage Calculators

Try out our easy-to-use mortgage calculators and get an idea of how much you can borrow and what your monthly payments could be.
Use our calculators.

Already with us?

If you already have a mortgage with us or C&G, see how to apply if you want to borrow more or switch to a new deal.
More deals for existing mortgage customers.

Before you apply

 When purchasing new-build properties, 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%.

A number of things are taken into account when deciding if we can lend to you. Find out more.

The mortgages shown are not available for borrowing over £500,000. If you want to borrow more, call 0800 783 3534* and our Mortgage Experts will be happy to help you.

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

 

 

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.