From your deposit to mortgage fees, our guides look at what you’ll need to pay for and all the things you’ll need to consider when you’re making a house buying budget.

Make sure you’re prepared before you buy your first home or move house with our guides to mortgage affordability. 

How to save for a mortgage

Find out some of the ways you can save to save up and buy your first home.

Saving tips

What size mortgage can I afford?

Work out what you can afford to spend on your dream home.

How much can I borrow?

How much is my house worth?

If you’re looking to sell before setting up a mortgage, get an idea of what your house might be worth. 


Mortgage costs and fees guide

Look at the various costs associated with setting up and paying off a mortgage.

Cost & fees

What is LTV ratio?

The loan to value ratio – or LTV ratio – affects the mortgage deal you’ll be offered. Find out why. 

What is LTV?

Mortgage deposits explained

Learn about deposits and how they will impact the mortgage deal you’re offered.

Mortgage deposits

Mortgage rate guides

Fixed, tracker or offset – find out what mortgage rates are and how they impact mortgage affordability. 

Rate guide

Gifted deposits: What are they and how do they work?

Learn about who can give you a gifted deposit, how to declare the money to your lender and the structure of a gifted deposit letter.

Gifted deposits

Mortgage calculator

Mortgage calculator

Use our mortgage calculator to get an idea of what your monthly repayments might be with a mortgage from Lloyds Bank.

Mortgage Calculator

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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