Home equity

Discover everything you need to know about equity in your home – including how to build equity, what negative equity is and ways you might avoid it.

What is equity?

Equity is the amount of a property that you own. As you pay off your mortgage, you’ll increase your equity in your home. Equity can also change due to rising and falling house prices. 

What is home equity?

Home equity is the value of your home that you “own” – you build equity by paying off your mortgage and with your mortgage deposit. Find out more about how it works here.

Home equity

What is negative equity?

Negative equity is when the amount you still owe on your mortgage is more than the market value of your home. Learn about negative equity and some ways you might avoid it.

Negative equity

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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.

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