Special offers

• £500 cashback paid directly to your conveyancer on completion.
• No product fee or Mortgage Account Fee.
• Available if you are buying your first home.
• If you've got a Lloyds TSB current account and have £1,000 or more a month paid into it, you could apply for our better mortgage rates. These are the rates shown here.

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

Mortgage payment options    

If you’re borrowing 75% or less of the property's value, you can arrange your mortgage on an interest-only or repayment basis. If you want to borrow more than 75%, only repayment mortgages are available.

Repayment basis only

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Mortgage rate tables explained - Rates made clear.

See information about fees & charges, other deals and how to apply.

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

• As a current concession during the early repayment charge period you can repay up to 10% of the balance each year without the charge applying.

Mortgage fees

Your mortgage expert will explain to you what fees apply to your mortgage.

Early repayment charges
If you repay your mortgage (or more than 10% in any year) during the fixed rate period, an early repayment charges 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.

Before you apply
The mortgages shown are our best rates and are available if £1,000 or more is paid into your Lloyds TSB current account each month. For details about mortgages available otherwise, call 0800 783 3534 or visit a branch.

Learn more about our current accounts.

Funds can only be reserved when we have your completed application.

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

When you’re getting a mortgage with us:

• If you’re buying a new-build property the most you can borrow is 80% of your home's value.
• If you’re borrowing 75% or less of your home’s value, you can arrange your mortgage, or part of it, on an interest-only basis. Find out more about repaying your mortgage.

After your mortgage starts
Within six months of your mortgage 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, your mortgage will switch to the Homeowner Variable 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

See information about low rates, other deals and how to apply.

• Lend a Hand
  With a Lend a Hand Mortgage you only need 5% cash deposit, plus the backing of someone who wants to help you on the property ladder.
• Local Lend a Hand
  Now your Local Authority could back your first-time buyer mortgage.
• 2-year fixed-rate first-time buyer exclusives

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.

Lloyds TSB current account holders, buying a new home or remortgaging with us, will receive an extra 0.1% off their new Lloyds TSB mortgage rate.

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 low rates, fees & charges 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.

Book an appointment at your nearest branch by using our request form. Just select 'Mortgages' first and then 'Book appointment with a mortgage expert'. We'll call you back to confirm a day and time that works for you.

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

After you’ve applied

Find a conveyancer
Once you’ve applied for a mortgage, you’ll need to appoint a licensed conveyancer or solicitor 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 low rates, fees & charges and other deals.