-

Mortgage Calculator

The mortgage calculator shows our current deals and interest rates with monthly payments and can give you an idea of how much you could borrow.

It is for illustrative purposes only and is not a mortgage offer. Before agreeing a loan a credit search and full application is required and our lending requirements must be met.

This calculator provides results for repayment mortgages only. For interest only mortgages you can talk to a mortgage adviser.

I already have a Lloyds Bank mortgageThis help us to understand more about your requirements

Please tell us if you already have a Lloyds Bank mortgage. Knowing this helps us get you to the right place.

I already have a Club Lloyds current accountThis help us to understand more about your requirements
I'm thinking about...

Please tell us what option you thinking about. Knowing this helps us get you to the right place

How many people are applying?Total number of applicants
Number of dependantsThis is the number of people that are financially dependent on any applicant and who will not be named on the mortgage, for example a child or elderly family member.

First applicant The first applicant applying for mortgage
Annual income (before tax)Your guaranteed income earned each year, plus any working tax credit, car allowance, area allowance and paid company benefits.
Other annual income (before tax)Total of any other sustainable money you earn throughout the year. For example, this includes any bonus, commission or overtime received, or allowances.
Monthly commitmentsCombined total of monthly commitments that you'll be paying when your new mortgage starts. For example; Credit commitments (a loan, student loan, credit or store card). Family commitments (school fees, child maintenance or child care). Other lifestyle commitments (that you're unable or unwilling to give up).
Mortgage term (years)This is how long you'd like to borrow the money for. Most customers will experience a reduction in their income when they retire and you should consider this when selecting a mortgage term, aiming to repay your mortgage before you plan to retire.

Second applicantThe second applicant applying for mortgage
Annual income (before tax)Your guaranteed income earned each year, plus any working tax credit, car allowance, area allowance and paid company benefits.
Other annual income (before tax)Total of any other sustainable money you earn throughout the year. For example, this includes any bonus, commission or overtime received, or allowances.
Monthly commitmentsCombined total of monthly commitments that you'll be paying when your new mortgage starts. For example; Credit commitments (a loan, student loan, credit or store card). Family commitments (school fees, child maintenance or child care). Other lifestyle commitments (that you're unable or unwilling to give up).
Property valueThe amount you'll pay for the property. You might not know at the moment so you can put in a guide amount to help you see what your monthly payments could be.
Your depositThis is the amount of cash or equity you've got to put towards the cost of your property. Don't forget you'll need to set aside money for other costs such as stamp duty which can't be added to the mortgage.
Outstanding mortgage amountThis is the amount of money left to pay on your current mortgage.
How much more would you like to borrowThis is the additional amount of money that you'd like to borrow against your current mortgage.

Minimum amount of additional borrowing is £10,000

Mortgage term (years)This is how long you'd like to borrow the money for. Most customers will experience a reduction in their income when they retire and you should consider this when selecting a mortgage term, aiming to repay your mortgage before you plan to retire.

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

Mortgage summary

Your mortgage summary will appear here when you start using the calculator.

Based on the information you've given us, we estimate:

You could borrow up to: ##MLA##


Based on the information you have given us, we estimate:

You require a mortgage of:

##RMA##

Your monthly payments would be:

##MRR##

With a loan to value of:

##LTV##


What's next

We've found ##NOP## products available to you.

Based on the information you've given us, we don’t currently have a product available. You could try looking at lower cost properties - or increasing your deposit if you have other funds available.

Based on the information you've given us, we don’t currently have a product available. You could try looking at lower cost properties - or increasing your deposit if you have other funds available.

Based on the information you've given us, we can’t display a product. Please speak to one of our Mortgage Advisers.

Based on the information you've given us, we don’t currently have a product available. You could try looking at lower cost properties - or increasing your deposit if you have other funds available.

Based on the information you've given us, we can’t display a product. Please speak to one of our Mortgage Advisers.

Based on the information you've given us, we can’t display a product. Please speak to one of our Mortgage Advisers.

Based on the information you've given us, we don’t currently have a product available. You could try looking at lower cost properties - or increasing your deposit if you have other funds available.

Based on the information you've given us, we can't offer you the amount requested

Based on the information you've given us, we don’t currently have a product available. You could try looking at lower cost properties - or increasing your deposit if you have other funds available.

Based on the information you've given us, we don't have an available product. You may wish to speak to one of our Mortgage Advisers.


Show products

Based on the property costing ##PV##, you need to ensure you have other funds available for:

Stamp duty / land tax
##SD##
Legal costs
£ 1500
Surveys
£ 400
Total
##TA##

These are estimates only. Different costs may apply, particularly if you’re buying a property in Scotland.

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

Back to calculator

Your results

When you speak to one of our mortgage advisers, they’ll ask you about your needs and circumstances and then recommend our most suitable mortgage for you. If you are looking for a buy to let mortgage, our mortgage advisers can only give you information about our range of buy to let mortgages, they will not be able to offer any advice.

The rates you see are only guaranteed for applications made on the day. We reserve the right to change our product range at any time.

This calculator provides results for repayment mortgages only. For interest only mortgages you can talk to a mortgage adviser.


Rate type:
Repayment type:
Product term:

What do these numbers mean?

Close
Monthly illustrative payment
This is the amount payable each month for the initial product period and does not include any mortgage related fees you may add to your overall mortgage.
Initial rate
This is the interest rate you’d pay on your mortgage for the initial product period.
Followed by rate
This is the interest rate you’d pay on your mortgage following the initial product period.
Overall cost for comparison
APRC stands for Annual Percentage Rate of Charge. This takes into consideration all of the costs of the loan giving you a figure to use for comparison.
Product fee
This is one off fee when you start your mortgage, not all products have a fee.
Early repayment charges
This shows whether early repayment charges are payable and the date they apply until. Some mortgages do not have early repayment charges and this will be shown here.
LTV
LTV stands for Loan to Value. It is the proportion of the value or price of the property (whichever is the lower), that you borrow on a mortgage. For example, a £80,000 mortgage on a house valued at £100,000 would mean a LTV of 80%.

Representative Example:

A mortgage of £100,000 payable over 20 years, initially on a fixed rate for 2 years at 2.59% and then on our variable rate of 3.99% for the remaining 18 years, would require 24 monthly payments of £540.76 followed by 216 monthly payments of £605.88.

The total amount payable would be £141,863.32 made up of the loan amount, plus interest (£41,863.32).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

This is an illustration of a typical mortgage and its total cost.


THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

WHEN YOU APPLY FOR A MORTGAGE OVER THE PHONE OR IN BRANCH, YOU’LL RECEIVE ADVICE FROM ONE OF OUR QUALIFIED MORTGAGE ADVISERS. THEY’LL ASK ABOUT YOUR NEEDS AND CIRCUMSTANCES AND THEN RECOMMEND OUR MOST SUITABLE MORTGAGE FOR YOU.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

Representative Example:

A mortgage of £100,000 payable over 20 years, initially on a fixed rate for 2 years at 1.74% and then on our variable rate of 3.99% for the remaining 18 years, would require 24 monthly payments of £499.72 followed by 216 monthly payments of £601.47.

The total amount payable would be £141,931.80 made up of the loan amount, plus interest (£41,931.80)

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

This is an illustration of a typical mortgage and its total cost.


THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

WHEN YOU APPLY FOR A MORTGAGE OVER THE PHONE OR IN BRANCH, YOU’LL RECEIVE ADVICE FROM ONE OF OUR QUALIFIED MORTGAGE ADVISERS. THEY’LL ASK ABOUT YOUR NEEDS AND CIRCUMSTANCES AND THEN RECOMMEND OUR MOST SUITABLE MORTGAGE FOR YOU.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

Representative Example:

A mortgage of £100,000 payable over 20 years, initially on a fixed rate for 2 years at 2.19% and then on our variable rate of 3.99% for the remaining 18 years, would require 24 monthly payments of £514.93 followed by 216 monthly payments of £596.74.

The total amount payable would be £141,275.16 made up of the loan amount, plus interest (£41,275.16).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

This is an illustration of a typical mortgage and its total cost.


THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

IF YOU APPLY FOR A MORTGAGE OVER THE PHONE OR IN BRANCH, YOU’LL RECEIVE ADVICE FROM ONE OF OUR QUALIFIED MORTGAGE ADVISERS. THEY’LL ASK ABOUT YOUR NEEDS AND CIRCUMSTANCES AND THEN RECOMMEND OUR MOST SUITABLE MORTGAGE FOR YOU. IF YOU APPLY FOR A MORTGAGE ONLINE, YOU WON’T RECEIVE ADVICE FROM US AND YOU’LL HAVE TO MAKE YOUR OWN CHOICE ABOUT THE MOST SUITABLE MORTGAGE FOR YOU.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE. THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

Representative Example:

A mortgage of £119,970 payable over 18 years, initially on a fixed rate for 2 years at 2.34% and then on our variable rate of 3.99% for the remaining 16 years, would require 24 monthly payments of £682.38 followed by 192 monthly payments of £770.21.

The total amount payable would be £164,657.44 made up of the loan amount, plus interest (£44,687.44) and a valuation fee (£400).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

This is an illustration of a typical mortgage and its total cost.


THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

WHEN YOU APPLY FOR A MORTGAGE OVER THE PHONE OR IN BRANCH, YOU’LL RECEIVE ADVICE FROM ONE OF OUR QUALIFIED MORTGAGE ADVISERS. THEY’LL ASK ABOUT YOUR NEEDS AND CIRCUMSTANCES AND THEN RECOMMEND OUR MOST SUITABLE MORTGAGE FOR YOU.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

Representative Example:

A mortgage of £77,570.00 payable over 19 years, initially on a fixed rate for 2 years at 2.19% and then on our variable rate of 3.99% for the remaining 17 years, would require 24 monthly payments of £416.20 followed by 204 monthly payments of £478.79. The total amount payable would be £107,661.96 made up of the loan amount, plus interest (£30,091.61).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

This is an illustration of a typical mortgage and its total cost.


THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

IF YOU APPLY TO SWITCH TO A NEW DEAL OVER THE PHONE OR IN BRANCH, YOU’LL RECEIVE ADVICE FROM ONE OF OUR QUALIFIED MORTGAGE ADVISERS. THEY’LL ASK ABOUT YOUR NEEDS AND CIRCUMSTANCES AND THEN RECOMMEND OUR MOST SUITABLE MORTGAGE FOR YOU. IF YOU APPLY TO SWITCH TO A NEW DEAL ONLINE, YOU WON’T RECEIVE ADVICE FROM US AND YOU’LL HAVE TO MAKE YOUR OWN CHOICE ABOUT THE MOST SUITABLE MORTGAGE FOR YOU.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE. THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

Representative Example:

A mortgage of £77,570.00 payable over 19 years, initially on a fixed rate for 2 years at 2.19% and then on our variable rate of 3.99% for the remaining 17 years, would require 24 monthly payments of £416.20 followed by 204 monthly payments of £478.79. The total amount payable would be £107,661.96 made up of the loan amount, plus interest (£30,091.61).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

This is an illustration of a typical mortgage and its total cost.


THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

WHEN YOU APPLY FOR A MORTGAGE OVER THE PHONE OR IN BRANCH, YOU’LL RECEIVE ADVICE FROM ONE OF OUR QUALIFIED MORTGAGE ADVISERS. THEY’LL ASK ABOUT YOUR NEEDS AND CIRCUMSTANCES AND THEN RECOMMEND OUR MOST SUITABLE MORTGAGE FOR YOU.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE ADVISERS CAN ONLY GIVE YOU INFORMATION ABOUT OUR RANGE OF BUY TO LET MORTGAGES, THEY WILL NOT BE ABLE TO OFFER ANY ADVICE.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE. THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

BUY TO LET MORTGAGES ARE AVAILABLE FOR UP TO 75% OF THE PROPERTY'S VALUE.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE ADVISERS CAN ONLY GIVE YOU INFORMATION ABOUT OUR RANGE OF BUY TO LET MORTGAGES, THEY WILL NOT BE ABLE TO OFFER ANY ADVICE.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE. THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

BUY TO LET MORTGAGES ARE AVAILABLE FOR UP TO 75% OF THE PROPERTY'S VALUE.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE ADVISERS CAN ONLY GIVE YOU INFORMATION ABOUT OUR RANGE OF BUY TO LET MORTGAGES, THEY WILL NOT BE ABLE TO OFFER ANY ADVICE.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE. THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

BUY TO LET MORTGAGES ARE AVAILABLE FOR UP TO 75% OF THE PROPERTY'S VALUE.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE ADVISERS CAN ONLY GIVE YOU INFORMATION ABOUT OUR RANGE OF BUY TO LET MORTGAGES, THEY WILL NOT BE ABLE TO OFFER ANY ADVICE.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE. THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

BUY TO LET MORTGAGES ARE AVAILABLE FOR UP TO 75% OF THE PROPERTY'S VALUE.