Homebuyers come in all shapes and sizes and with all kinds of needs. This is why our mortgages are designed to fit more specialised requirements.
If you’re house hunting north of the border we’ve got a range of mortgages to suit you.
Offset your mortgage
Everyone who has a mortgage looks forward to the day it’s paid off. With Lloyds TSB Offset, you could be in that position sooner than you thought possible.
Combine your Lloyds TSB Offset mortgage and the balance on your savings and current account and only pay interest on the difference. The overall cost for comparison is 6.0% APR.
With a Fixed Rate mortgage, the rate of interest you pay remains the same for the Fixed Rate period, even if our standard variable rate goes above or below the Fixed Rate. This means that you know that your mortgage repayment will be the same every month, whatever the interest rate is. There are no Early Repayment Charges past the fixed rate-period. The overall cost for comparison is 7.0% APR.
A Capped Rate mortgage means that you pay the capped rate when our standard variable rate is higher, but when the variable rate is at or below the capped rate, you pay the lower rate. If the standard variable rate continues to fall, the rate you pay falls with it. And, if rates rise again, you have the assurance that the rate you pay won’t rise above your capped rate during the capped rate period. The overall cost for comparison is 7.0% APR.
Stay flexible with no early repayment charges. You’re guaranteed a rate no more than 2% above the Bank of England’s base rate. The overall cost for comparison is 7.6% APR.
Pay less at the start of your mortgage with a discount our Standard Variable Rate for up to two years. The overall cost for comparison is 7.0% APR.
Up to £15,000 cash in your pocket at the start of your mortgage, to spend however you want. Early Repayment Charges will only apply for the first five years. The overall cost for comparison is 7.2% APR.
With our Tracker mortgages, the rate of interest you pay moves in line with the Bank of England base rate. The overall cost for comparison is 6.8% APR.
Mortgage
If you’re building or renovating your own home, getting the right help and support from the start can make all the difference.
Lloyds TSB Scotland offers a great range of mortgages exclusively for people making their homes in Scotland. Our advisers make organising your Self-build mortgage easy, giving you help and support at every stage – from deciding how much you want to borrow and when you’ll need your stage payments to sorting out your insurance.
By phone
Call 0845 602 4237 between 9am - 5pm Monday to Friday.
Your local branch
Call into your local branch for a free consultation with a mortgage advisor.
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.
