Keep your home safe

If you know what to look out for and how to act, you can keep your home safe from scams.

Mortgage scams

If you ever need to move large amounts of money, like when you buy a house, it could be a target for a scam. But if you know what to look out for you can stay safe.

What to look out for:

  • Emails that ask for a payment - Scam emails can pretend to be from your solicitor and ask for a payment. Fraudsters like to hack into emails to try and get you to send money to an account they control.
  • A new bank account - Scams will say a bank account has changed or can’t be used right now. If an email asks for a payment to a different bank account then it’s probably a scam.
  • Urgent payments - Scams try to get you to pay quickly. If you get an email that asks you to pay right away, it’s probably fake.

What you can do:

  • Check account details - If you get an email that asks for a payment, call the sender to double check the sort code and account number. But call from a number you trust, not the one in the email.
  • Look for mistakes - A scam email can have spelling mistakes in the address and message. You can call the sender to make sure it’s a genuine message. But call from a number you trust, not the one in the email.
  • Stay safe online - You should use strong passwords that only you know. This can help to stop people from hacking your account. Use a new password for each online account. You should also keep your anti-virus, operating system and browser up to date. And be careful if you use free WiFi to check your emails.
  • Make a small test payment - If you need to pay a large amount of money, you can send a few pounds first. Then you can call to make sure the person got it before paying the rest. But call from a number you trust, not the one in the email.

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Think you've been a victim of fraud?

You should contact us right away if you think you’ve been a victim of fraud. We can then guide you on what to do next.

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Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

Personalisation. We will always greet you personally using your Title and Surname. We will never use ‘Dear User’ or ‘Dear Valued Customer’. Where you hold an existing account with us, we will quote the last four digits of your account number, such as your current account, savings account or credit card. If you don’t yet have an account with us but we have your postal address details, we may use part of your postcode. Internet Banking-related emails may also include your Internet Banking User ID.
Links. All links within our emails will go to a page on, or to trusted Government regulatory websites (e.g. Financial Ombudsman, Financial Conduct Authority, etc). Research emails may take you to a partner research company website but you will not be asked for any Internet Banking log in details. In fraudulent emails, website addresses may appear genuine on first sight, but if you hover your mouse over the link without clicking, it may reveal a different web address. On our genuine emails the link address always starts with or We will never link direct through to our Internet Banking log in page or to a page that asks for your security or personal details.