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    Applying for a mortgage

    Find out everything you’ll need to know when you’re applying for a mortgage.

    Applying for mortgage guidance

    If you’re a first time buyer, you’ll have many questions about how to apply for a mortgage. Discover which documents you’ll need, the checks a provider will perform, and what a mortgage agreement in principle is.

    If you’re looking to buy a second home, get another mortgage as an older borrower, or your application has been declined, you’ll also find what you need to know in these pages.

    How to apply for a mortgage

    Find out which documents you’ll need when applying for a mortgage and how providers decide whether to make you an offer. 

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    What is an Agreement in Principle?

    A mortgage Agreement in Principle is an important part of getting a mortgage – find out what it means and how you can get one.

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    Getting a mortgage as an older borrower

    If you’re over 55 and applying for a mortgage, you can find out what you’ll need and any extras you’ll have to consider. 

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    What happens if your mortgage application is denied?

    Have you been turned down for a mortgage? Try not to worry. Learn what happens next when a mortgage application is declined.

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    Ready to apply for a mortgage?

    If you're ready to take the first step of applying for a mortgage, fill out an Agreement in Principle online today.

    Agreement in Principle

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

    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.

    Telephone calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.