Your questions

If you already have a Lloyds TSB or C&G mortgage you might have a few queries. We have listed a few questions here, however if you cannot find the information you are looking for, please use our online help centre.

When will I receive my mortgage statement?
You'll receive your annual mortgage statement in January or February.  If you originally took out your mortgage with TSB Bank plc (or in some cases Lloyds TSB Bank plc), you will not receive your annual statement until April. The statement will show the payments, interest and, if applicable, the insurance charged. If a fee has been debited to your account during the year, you will also receive a statement of your Fees and Charges account. You'll also receive an interest rate history and a redemption figure for each loan for information purposes only.

If you would like to request a duplicate or haven't received your statement, call 0845 603 1637 8.30am to 9pm Monday to Friday, or 8.30am to 1pm on Saturdays. A £21 charge is made for each duplicate statement provided.

Find out more about your mortgage statement

What happens when my current mortgage deal ends?
In most cases your interest rate will switch to the Standard Variable Mortgage 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.
See our current Standard Variable Mortgage Rate.

Or you could choose to switch to a mortgage deal available at that time.
Check our mortgage range to see what's available.

Before your current deal ends we’ll write to you with your new payment details based on your mortgage changing to the Standard Variable Mortgage Rate. However, interest rates can change frequently, particularly if they move in line with the Bank of England base rate. If you stay on the Standard Variable Mortgage Rate after your deal ends, we’ll write to you again to confirm any changes in your payments.

My current mortgage deal is due to end, how do I switch to another deal with Lloyds TSB?
It’s easy for existing mortgage customers to switch to a new deal. You can request an illustration, either online, by calling us or visiting your local branch. More information about switching deals

Can I borrow more once my mortgage is up and running?
Yes, you can apply for a Homeowner loans at the mortgage rates available at the time you need the money. Talk to a Mortgage Expert, call 0800 783 3534 or start your application online.

Can I pay less on my mortgage during some months?
In certain circumstances, and if your mortgage is up-to-date, you can pay less than the full monthly mortgage payment that is due, or even suspend your payments for a short time, although you would need to pay a charge (including if you have an Easy Living Mortgage). If you would like to know more about taking a payment holiday or an instalment break, see further information about payment flexibility.

Can I change my repayment type?
If your existing mortgage is on an interest-only basis, you can ask to change it to a repayment basis at any time. If it's set up on a repayment basis, you can only switch it to interest-only if your total mortgage amount is 75% or less of your property’s value. In either case there is a charge. View our current service charges. If you’d like to go ahead with your request, please complete your details using our contact form * Select ‘Mortgages’ and ‘Change from interest only to repayment mortgage’ as your query and we’ll call you back.

Although you can normally only switch to interest-only if your mortgage totals 75% or less of your property’s value, if you are ever facing financial difficulties and, as a way of temporarily reducing your mortgage payments, you want to discuss just paying the interest each month for a while on a mortgage that totals more than 75%, please get in touch. If you are facing financial difficulties but haven't actually fallen behind with your mortgage payments, please call 0845 6031 637. Or, if you have fallen behind with your payments, please call 0800 3894 020.

What if I’m having problems paying my mortgage?
Tell us as soon as possible if you are having problems repaying your mortgage or think that you might experience problems shortly. If you think you may be facing difficulties but haven't fallen behind with your mortgage payments, please call 0845 6031 637. If you have already fallen behind with your payments, please call 0800 3894 020.

How can I make extra payments?
Whichever mortgage you choose, you can make one-off or regular extra payments to reduce your capital balance and therefore pay less interest in total.

Even during an Early Repayment Charge period, you can still repay up to 10% of the mortgage each year (based on the balance at 1 January) and the charge won't apply.

 Find out more about our payment flexibility.

Can I repay my mortgage at any time?
You can repay your mortgage at any time, although there may be a period during which an Early Repayment Charge applies. You will also need to pay a closing administration charge, unless you have taken out the Easy Living Mortgage or your mortgage loan agreement is dated after 1 August 2007.

If you have more questions about your current mortgage please use our online help centre or contact us.