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Government Schemes

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

Green Homes Grant scheme (England)

In July 2020 the Government announced a new Green Homes Grant scheme.

Vouchers worth up to £10,000 will be given to homeowners in England to make their homes more energy efficient. This scheme is due to launch at the end of September 2020 and be available until March 2021.

For most home owners the vouchers can cover two-thirds of the cost of energy efficiency improvements up to a maximum of £5,000 per household.  For those on low incomes the government will cover the full cost of energy efficiency improvements up to a maximum of £10,000 per household.

To be able to receive the vouchers you will need to complete one of the following improvements:

  • Insulation: Solid wall, cavity wall, under-floor, loft, flat roof, room in roof, park home
  • Top ups are allowed e.g. additional loft insulation up to the recommended level but replacement not included.
  • Low carbon heat: Air source heat pump, ground source heat pump, solar thermal systems

If you are completing one or more of the above improvements, you can also use your vouchers for:

  • Draught proofing
  • Double or triple glazing / secondary glazing when replacing single glazing
  • Energy efficient doors
  • Hot water tank or appliance tank / thermostats or heating controls

It’s important to note that for these improvements you can only claim up to the same value as used for insulation or low carbon heat measures.

You will need to apply for the voucher online and use a local accredited Trust Mark supplier to carry out the works.

More about the Green Homes Grant Scheme

Help to Buy

Help to Buy: equity loan scheme - Buying a new build with a 5% deposit

Lloyds Bank is supporting the Government’s Help to Buy: equity loan scheme.

This scheme aims to help both first time buyers and home-movers who have deposits of at least 5% to buy a new build home through offering a shared equity scheme. In England and Wales the Government lends up to 40% of the value of the property in Greater London, or up to 20% of the value of the property outside of Greater London. In Scotland the Government lends up to 15% of the value of the property.

For more details speak to a mortgage adviser or go to the Help to Buy scheme website.

Help to Buy: ISA

The Help to Buy: ISA is no longer available for new applications.

If you already have a Help to Buy: ISA, you can still save and claim the Government 25% bonus (minimum bonus £400 and maximum £3,000).

Customers who have a Help to Buy: ISA with another bank or building society can still transfer it to us.

For more details about your Help to Buy: ISA and to discuss your mortgage needs you can:

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.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

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.