You may be getting your career off the ground or already established on your path. Wherever you stand, you will want to make the most of your financial success.
You may wish to make a major purchase, accumulate savings, create an investment portfolio or simply pursue your life goals.
Our long-standing experience means we have the insight to understand your situation. We’ll use this expertise and foster a long-term relationship with you to provide services specially attuned to your needs.
We’re here to help you with:
- Make your everyday banking simple
- Identify opportunities and solutions that fit your needs
- Deliver financial expertise matched to your circumstances.
Getting to know you
At Private Banking we will get to know you and provide you with a consistent point of contact. We will consider your lifestyle and priorities and spot any opportunities and challenges ahead. We will get to know your banking and borrowing needs so you can decide which suit you best.
We can help you consider:
- Our full range of current accounts.
- Savings and deposits.
- Overdrafts for short-term needs, such as tax bills or education fees.
- Loans – for longer term needs.
- Lending to secure partnership in a professional firm.
- Bridging finance.
- Property development finance, including self-build.
Lending and financing products may require security. 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.
Where Financial Planning is required, we will introduce you to Schroders Personal Wealth to help you make investment choices based on your financial goals.
Through our partnership with Schroders Personal Wealth we aim to create best-in-class investment and financial planning for our Private Banking customers.
To get advice from Schroders Personal Wealth, you’ll need to have at least £100,000 in savings, investments and/or personal pensions, and/or £100,000 of sole annual income.
Your Schroders Personal Wealth adviser will explain what advice they can give and what products and services this covers and any advice or product charges that apply and agree these with you.
Whether you want to grow your wealth, protect what matters most, aim to reduce risk to your capital in retirement or plan ahead for your children's education, your Schroders Personal Wealth adviser will guide you through the whole financial planning and investment process, helping you to assess what's involved.
Your Schroders Personal Wealth adviser can guide you on:
- Stocks and shares ISAs.
- Unit trusts, OEICs and structured products.
- Onshore and offshore bonds.
- Pensions, including self-invested pension products (SIPPs).
Please remember that the value of investments, and the income from them, may fall as well as rise. Investors may not receive back the full amount originally invested.
Preparing for the unforeseeable, such as illness, accident or even death, could provide an important financial cushion for you and your family.
Schroders Personal Wealth are ready to help with the following:
- Mortgage protection plans.
- Critical illness cover
- Life assurance.
To apply for our Private Banking service, you’ll need to have: at least £250,000 in savings and/or investments with Lloyds Bank, and/or at least a £750,000 mortgage with Lloyds Bank.
Important Legal Information
Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.