Lloyds Bank
BankLloyds Bank is one of the UK's largest mortgage lenders and a pillar of the Lloyds Banking Group. It provides a wide variety of mortgage products tailored to first-time buyers, home movers, and remortgagers, with strong support for shared ownership and government-backed schemes.
Visit WebsiteLloyds Bank
Lending Focus
Lloyds Bank offers mortgage products across 4 categories including Residential, Buy-to-Let, Shared Ownership and 1 more.
Key Features
- Lend a Hand mortgage helping first-time buyers with family support
- Shared ownership and Help to Buy scheme support
- Competitive fixed-rate deals for remortgage customers
- Flexible underpayment and overpayment options
- Dedicated mortgage advisers available in branch and by phone
Pros & Cons
Pros
- Supports shared ownership and Help to Buy schemes for first-time buyers
- Lend a Hand mortgage provides a creative family support option
- Large branch network with face-to-face mortgage advice
- Strong remortgage deals with competitive fixed rates
Cons
- –Maximum loan amount capped at £2 million — lower than some rivals
- –No commercial or bridging mortgage products
- –Does not offer offset mortgages
Fees & Charges
Arrangement Fee
£999 or fee-free options available
Valuation Fee
Free standard valuation on most products
Early Repayment Charge
1–5% during the initial deal period
Overpayment Allowance
Up to 10% per year without charge
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Lloyds Bank. In the meantime, visit their website for the latest rates.
View rates on Lloyds BankApplication Process
Processing Time
2–4 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months
Lending Criteria
Maximum LTV
95%
Max Loan Amount
£2m
Min Loan Amount
£25k
Rate Types
fixed, tracker, discount
Frequently Asked Questions
What is the Lloyds Bank Lend a Hand mortgage?
Does Lloyds Bank accept gifted deposits?
What is the maximum LTV Lloyds Bank offers?
Can I overpay my Lloyds Bank mortgage?
How to Apply
Direct & Broker Access
You can apply directly with Lloyds Bank or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a Lloyds Bank Broker?
Find FCA-regulated mortgage brokers who have Lloyds Bank on their lender panel.
Find a BrokerRegulatory Status
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.