Our Club Lloyds offers

Have a question? See if we can answer it with our common questions below.

  • 1. Could my mortgage offer be withdrawn if changes are made to the Lloyds Bank mortgage range?

    If you’ve completed your mortgage application with us and received a formal mortgage offer, any changes to our mortgage range will not currently affect the rate that you have applied for.

    If you have applied for a mortgage but not yet received your offer, if we are able to make an offer we will honour the rate that you have applied for, subject to the application meeting lending criteria.

    If you are an existing mortgage customer and have already arranged to switch to a new deal, any changes to our mortgage range will not affect your new deal taking effect as planned.

    2. What can I do to secure a mortgage rate with you?

    If you haven’t completed your mortgage application with us, to secure a mortgage rate you must complete a full mortgage application, either online or with a mortgage adviser.

    If you already have a mortgage with us, you will need to complete an application for a new deal, either online or with a mortgage adviser. If you’re in the last three months of your current deal, we’ll waive any Early Repayment Charges (ERC) as a thank you for staying with us. If your existing deal has more than three months left to run, you can still switch your deal, but the waiver would not apply, so you may have to pay an ERC.

    Please note: An agreement in principle (AIP) is not a mortgage offer. Once you have completed an AIP, you will need to complete a full mortgage application with us to secure a rate from our current range.

    3. I’m in the process of switching to a new deal - am I able to select a different deal instead if I’ve changed my mind?

    If you already have a Lloyds Bank mortgage and have arranged to switch onto a new deal, you can cancel that application and select a different deal from our current range.

    4. Will I get the same mortgage rates online as I would if I phone or visit a branch?

    The rates we offer over the phone and in branch are the same as our rates shown online.

    5. Will I have to pay an Early Repayment Charge (ERC) to switch to a new deal?

    If you already have a mortgage with us and are in the last three months of your current deal, we’ll waive all ERCs as a thank you for staying with us. If your existing deal has more than three months left to run, you can still switch your deal, but the waiver would not apply, so you may have to pay an ERC.

    This waiver does not apply to other payments to your mortgage account which might trigger the payment of an ERC, such as a lump sum overpayment.

    Read more on Early Repayment Charges.

    If you’re applying to move your mortgage to us from another lender, you will need to speak to your existing mortgage provider to discuss any ERCs.

    6. Can I get more information about my existing mortgage or my application for a new mortgage?

    If you already have a Lloyds Bank mortgage, you can log on to Internet Banking to check details about your existing mortgage.  To make any changes to your existing mortgage, or to see what options are available to you, please visit our existing customer page.  

    If you are a first time buyer, you’re moving home, or you’re moving your mortgage to us and your application is already in progress, you can find updates on your Customer Tracker. You will find the link for this in your email invitation, or you can email your Mortgage Adviser. 

    7. I’m struggling to keep up with my mortgage repayments, what can I do?

    The fastest way to contact us right now is online. Get support online if you're struggling to pay your mortgage so we can find the best way to help you. Just answer a few questions and we’ll give you a range of payment options designed just for you.

    Dealing with financial difficulty - We've put together some guides to help you manage your money and understand the support available to you.

    You can still call us over the phone. We're receiving a high number of calls at the moment so it will take us much longer than usual to answer your call.

Bank of England Bank Rate announcement

Find out about the Bank of England Bank Rate, how a change in rate could affect your mortgage.

Mortgage calculators and tools

Mortgage calculators and tools

Find out how much you could borrow, view our mortgage rates, compare monthly repayment amounts and more.

Mortgage calculators and tools

Agreement in Principle

Agreement in Principle

An Agreement in Principle confirms how much you could be eligible to borrow, before you apply for a mortgage.

Agreement in Principle

Buying your first home

Stepping onto the property ladder is exciting, but can also be overwhelming. We could help you find the right mortgage deal and help you secure the keys to your first home.

First time buyer mortgages

Remortgaging to us

If you’re shopping around for a new mortgage offer, we could help find the right deal for you. We'll make switching from another lender simple, leaving you to enjoy your home.


Moving home

Whether you’re trading up or scaling down, we could help you find a mortgage to suit your needs. We’ll help arrange the mortgage, leaving you to focus on moving home.

Home mover mortgages

You could lose your home if you don’t keep up your mortgage repayments

Already have a mortgage with us?


Switch to a new mortgage deal

Already have your mortgage with us and looking for a new mortgage deal? Let us help you find one.

Switch to a new deal

Borrow more on your mortgage

If you’ve had your mortgage with us for at least 6 months, find out if you could borrow more.

Borrow more

Buy to let mortgages

Investing in property is an alternative way to put your savings to work. Learn more about our Buy to Let Mortgages and see how we could help put your portfolio plans into action.

Buy to let mortgages Buy to let mortgages

Later Life Lending

Finding the right mortgage is important. An Equity Release Mortgage may be a solution if you are over age 55 and looking to unlock some of the value of your home.

Equity Release Mortgages Equity Release Mortgages

Hassle free mortgages

On a selected range of our mortgages there’s no charge for a standard valuation, and we'll arrange and pay for your basic legal fees. Find out how a hassle free mortgage could help you.

Hassle free mortgages Hassle free mortgages

Get up to £1,000 cashback with the Eco Home Reward

To find out full details of the offer, including whether you are eligible, how to register and key dates, please use the button below to find out more. Conditions and exclusions apply.

Full details of the reward Full details of theeco home reward

Worried about paying your mortgage?

Don’t wait until you’re about to miss a payment before getting in touch. The sooner you talk to us, the more options you’ll have. We have tools and guides to support you, and talking to us won’t affect your credit rating.

Support for mortgage customers

Homes for Ukraine

If you’re planning to house Ukrainian refugees, we fully support you.

Find out how we’re making the process as simple as possible.

Need to speak with someone?

You can talk to us over the phone or use our mortgage video service from the comfort of your own home.


Contact us

Heard talk of a Bank of England Rate change?

Changes in the Bank of England Bank Rate could affect your mortgage.

The base rate and your mortgageabout Bank of England Rate changes

What may happen to your mortgage repayments?

Rate change calculator

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.

Calls may be monitored or recorded to help us improve our quality of service.