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Lending and financing

The prospect of entering into a new business enterprise, financing a new property or meeting short term expenses may require additional funds to capitalise on these opportunities. Whether you require a straightforward lending solution or a more tailored approach, we have solutions to suit various borrowing needs.

With the support of our dedicated Wealth lending team, we can offer flexible finance options to suit your borrowing needs.

Lending is subject to status and application. How much we lend, the period and rate available are subject to an assessment of your circumstances.

We are aware that everyone’s  lending need will be different,  our dedicated Wealth lending team will take the time to understand  your circumstances and select the optimal solution for your needs.

General Information about our lending and financing.

For access to advice from a Private Banking and Advice Manager, you’ll need at least £250,000 in savings, investments and/or personal pensions and/or a sole annual income of at least £250,000.

Find out more about Eligibility and fees.

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Our loans have been specifically designed to cater for your medium to long term needs. Each request is individually assessed by our Wealth lending team with the aim to provide you with the most relevant facility based on your situation.

  • If security is required we can consider a wide range of assets
  • Tailored to your medium to long term individual needs.


Our overdrafts are designed with your day to day needs in mind,  allowing you the flexibility to draw funds as and when you need them, providing you with a high level of convenience for your short term lending needs.

  • An overdraft limit for a period of up to 12 months
  • Available to draw down your money as and when you need it.

Partnership lending

Our Partnership loans offers flexible lending for new and existing partners. Your Private Banking Advice Manager will work with you and refer to our dedicated Wealth lending team to find a partnership loan that best suits your needs.


Our mortgage offerings are wide ranging; whether it is for a residential property first time buy, second home, buy to let mortgage, or further borrowing on your current mortgage we can find the lending solution for you. Not only will you have the support of your Private Banking and Advice Manager, you will also have direct access to both our UK mortgage range and specialist lending solutions.

  • Full access to our standard UK mortgage range including first time purchases, home movers, buy to let and high value loans
  • Tailored Private Banking loans
  • If security is required we can consider a wide range of assets
  • Flexible repayment options based around your income and assets.


Bridging loan

Our Bridging Loan is designed to help purchase your new home in advance of selling your existing home. Repayment would come from the sale proceeds of your existing home. These loans are available on an open basis where you do not have contracts exchanged for your sale or on a closed basis where contracts have been exchanged.

Self build mortgage

Our self build loans are specifically designed to assist clients who wish to build their new home or renovate their current one, broken down into stages the loan will be structured to meet the needs of your project with the added support of our Wealth lending team.

  • Tailored to suit your specific project and timeframe
  • Allows you to draw down funds as and when you need them to support the project.

These products have individual terms and conditions. Fees and charges will apply.

Credit Cards

We can also help you access our full range of UK Personal Credit Cards provided by Lloyds Bank plc. Please book an appointment with us or find out more on our Personal Banking website.

Find out more >

Important information

Lending is subject to our responsible lending criteria. How much we lend, the period and rate available are subject to our assessment of your circumstances. Specific eligibility criteria and conditions apply for certain types of lending. You must be 18 or over and a UK resident to apply. Lending is subject to status and application. Security may be required. Overdrafts are repayable in full on demand. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our tracker rates are linked to the Bank of England Base rate administered by the Bank of England, this rate can go up or down which will impact the cost of your loan/mortgage payments.

We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB:


Book an appointment

Get in touch with one of our Private Banking and Advice Managers.

No charges for the initial meeting to discuss your individual circumstances and objectives.

No obligation to take any of our services or products.



Speak to us

You can call us to arrange an appointment or ask a question.

Lines are open Monday to Friday from 09:00 to 17:00 (Tuesday and Thursday until 19:00) and Saturday from 09:00 to 13:00. Excluding Bank Holidays. Call cost may vary depending on your service provider.