Mortgage essentials

Learn the essentials with guides on everything you need to know about getting a mortgage.

Buying a house is exciting – but it’s also a big commitment. If you’re a first time buyer, we can help give you a hand with our guides on mortgage costs, conveyancing and more.

We’ll explain the key terms you need to know, answer your frequently asked questions and make sure you have all the key mortgage knowledge you’ll need to get a mortgage.

Basic mortgage terms explained

Find out about what the most important mortgage terms mean and how fixed term and variable mortgage rates work.

Mortgage terms explained

An introduction to first time buyer mortgages

From a mortgage agreement in principle to making an offer, explore the steps you’ll take when buying your first house. 

First time buyer mortgages

Understanding conveyancing

Conveyancing is the legal process of buying a house. Find out what conveyancing is and how it works here. 

Conveyancing

Cost of buying your first home

Moving bills, deposits and conveyancing costs – there’s plenty to budget for when you’re buying your first home. We look at everything you’ll pay when buying a property. 

Buying costs

What is gazumping and is it legal?

Find out more about gazumping and how you can stop it from happening to you.

Gazumping

When to get home insurance when buying a house

If you are a first-time buyer, getting a second home or moving as part of a chain, find details about home insurance when buying a house.

Home Insurance

What does exchange of contracts mean?

For people buying a home who want to know what the exchange of contracts and completion means.

Exchange of contracts

Mortgage calculator

Mortgage calculator

Find out how much you could borrow and compare monthly payments to find the right deal for you.

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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