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. 

How to apply

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.

What is an AIP?

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. 

Mortgages in retirement

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.

Declined applications

Can I get a mortgage with bad credit?

Whether you are a first time buyer, home mover or looking to remortgage, find out how a bad credit score can affect being approved for a mortgage.

Mortgages with bad credit

Can I get a mortgage while on maternity leave?

If you’re welcoming a new baby and you’re worried about being approved for a mortgage while on maternity or parental leave this page is for you.

Maternity leave

Mortgage eligibility explained

For people wondering if they are eligible for a mortgage. Find out how lenders decide who to offer a mortgage to and what you need to apply.

Mortgage eligibility

How long does it take to get a mortgage?

If you’re a first time buyer or moving home, find out how long it takes to get a mortgage and what can speed things up.

Getting a mortgage

Can I get a mortgage on a low income?

If you’re worried about being approved for a mortgage due to being on a lower income, our guide takes you through what you need to consider, before you apply.

Mortgages on low income

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.

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