Lloyds Bank Loan

The home loan that rises above the rest.

Buying a home is a big deal and a major milestone in your life. Choosing the right mortgage is equally important. With Lloyds Bank, you can be sure that you will be looked after, every step of the way. Their home loans are a great option when you are looking for a trustworthy mortgage.

Reaching high success with only a single office for 99 years, Taylors and Lloyds was the first bank in Birmingham. Known as the 'workshop of the world' during the Industrial Revolution, they quickly became the leading duo in the banking business.

Access world-class mortgage service

This ultimately created a broader financial base. Not only being run by three partners but now having a board of directors. These directors consisted of Lloyd family members as well as successful businessmen in the area, ensuring sound mortgage advice for all.

Helping Britain become better with home loans  

By operating as an accountable, maintainable, and inclusive group, their success is spliced with the UK's opulence and they aim to make Britain a better place for everyone. This supports their cause and the way they deliver their home loan policy.

The perfect home loan for you

With the ever-changing environment, customer needs, and expectations, they realize that their cause and the way they deliver also has to change and become enhanced and better. By bettering their strategy, they ensure a sustainable and inclusive future for the UK.

The same values and principles apply when it comes to their mortgages. It does not matter whether you are a first-time buyer, wanting to remortgage, buying to let or if you are moving home. Lloyds Bank has the mortgage that will suit you best. They can help you secure your first home in no time.

So you have decided to start a family and realized that the first step is to secure a mortgage for that home of your dreams.

It feels like a long and complicated task. With Lloyds Bank, there are no complications at all.

If you are going to be a first-time homeowner

Helping you prosper is their purpose. They will help you find the right mortgage for the home you want to buy. If you are a first-time homeowner, you can apply for a first-time buyer mortgage of up to 95% of the property's value.

The first step is to find out how much deposit you need to pay when buying your first home, how much borrowing power you have, and whether you qualify for a mortgage.

Calculating your mortgage

With their helpful mortgage calculator, you can work out more or less what you are able to borrow according to your income and expenses, what the current interest rates are, and of course, what exactly the repayment amount will be each month.

Your home loan agreement in principle

You are now ready to start viewing potential properties and having an agreement in principle would be helpful. You will not be charged for this and you will get the decision the same day. Once you have an agreement in principle, you are ready to apply for your mortgage right away.

You will also be glad to hear that with an agreement in principle, they do a soft credit check that does not affect your current credit score at all. Isn't that just great?

Planning for the future is the best choice 

Planning for the day you reach retirement is without a doubt a very important matter. Being sure that you will not run into financial hardship when you decide to stop working gives you peace of mind. Lloyds Bank has expert advisors that do just that.