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Fixed-rate mortgages

Know what you’re going to pay each month with our fixed-rate mortgages. Our fixed-rate mortgages give you peace of mind that the rate you pay will stay the same each month until a set date, whatever happens to interest rates generally.

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

Our fixed-rate mortgages

How a fixed-rate mortgage works

You can easily budget around your mortgage costs with a fixed-rate mortgage. Your rate will stay the same each month, whatever happens to interest rates generally, until a set date, usually two, three or five years ahead.

Buying a new home or remortgaging?

We have a range of mortgages to suit all kinds of people.

We offer:
2-Year Fixed-Rate mortgages
3-Year Fixed-Rate mortgages
5-Year Fixed-Rate mortgages

Looking for 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.

We offer:
2-Year Fixed-Rates
3-Year Fixed-Rates

Switching to a new Lloyds TSB mortgage deal?

If you’re a Lloyds TSB mortgage customer, it’s easy to switch to a new deal.

We offer:
2-Year Fixed-Rate mortgages
3-Year Fixed-Rate mortgages
4-Year Fixed-Rate mortgages
5-Year Fixed-Rate mortgages

Existing customer

Already got a Lloyds TSB mortgage? Find out more about making changes and more.

Existing customersExisting customers

    See how much we might be able to lend you

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    Get started online

    Save time by completing our online form. It should take around 20 minutes to complete and we'll then call you back to help you through the next steps.

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    Terms explained

    Annual Percentage Rate (APR)

    APR stands for Annual Percentage Rate and takes into account all the costs of a loan – giving you the overall cost for comparison. An APR is calculated in a standard way to allow you to compare different mortgage offers, including those from other lenders. The APR includes important factors such as:

    • the initial interest rate you must pay,
    • how you repay the loan,
    • the full length of the mortgage term,
    • frequency and timing of mortgage payments,
    • certain fees associated with the mortgage.

    It is important to remember that these APRs are calculated using average figures so each individual loan will have slightly different APR. The actual APR that will apply to your mortgage will be calculated when you get a personalised quote.

    Early repayment charge (ERC)

    A charge payable on certain types of loan if it is repaid or partly repaid within a certain period eg during a fixed-rate period or while a discount applies.

    See what your monthly payments could be and compare mortgages

    Payments calculatorUse our payments calculator to see how much you might pay

    Ways to apply

    You’ll need the following details:

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

      Make a start online

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

      Start nowGet started with your mortgage now. Opens in a new browser window.

        Call us on 0800 783 3534

        To talk to an expert, and apply over the phone.

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

          Visit us in branch

          Just select Mortgages first and then book appointment with a mortgage advisor. We’ll call you back to confirm a day and time.

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            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.

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