Lloyds Bank Mortgage

Lloyds Bank provides mortgages from £25,000 to £2 million with fixed and tracker rates, terms up to 40 years, and LTV up to 95%. As part of the UK's largest banking group, they offer extensive branch and online support.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Largest branch network in the UK for face-to-face advice ✓ Competitive rates particularly at mid-range LTV ✓ Integrated with Lloyds current accounts for easier management
Representative APR Amount Term Type
4.34–6.49% £25k–£2M 60–480 mo mortgage
Best For

Borrowers who want face-to-face branch support alongside competitive rates from the UK's largest banking group.

Pros & Cons

Pros
  1. ✓ Largest branch network in the UK for face-to-face advice
  2. ✓ Competitive rates particularly at mid-range LTV
  3. ✓ Integrated with Lloyds current accounts for easier management
  4. ✓ Up to 10% overpayments without penalty
  5. ✓ Halifax brand merger means more expertise and products
Cons
  1. ✗ Online application can feel dated compared to Santander
  2. ✗ Product fees on competitive rate deals
  3. ✗ Processing times can be slower during busy periods
  4. ✗ Buy-to-let range is limited

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