Lloyds mortgages rates, calculator and review

Lloyds Bank offers a range of fixed rate mortgage deals with rates as low as 4.33%. Use our calculator to find the best deal for you from Lloyds' range.

4.0 ★★★★★ (379 reviews) Write a review
Customer rating
★★★★★
Satisfaction survey
thumb upMany customers praise "friendly and helpful" staff
thumb downNot always at the top of the table for rates
Lloyds Bank was founded in 1765 and offers a comprehensive range of financial products and services. First-home buyers, mortgage switchers and current or potential landlords alike will find plenty of options at Lloyds, and the lender won high praise from customers in our latest customer satisfaction survey.
{"visibility":"visibilityTable","ctaLabel":"Calculate","tableCode":"calculating","nicheCode":"UKFHL-RES","fields":[{"name":"PROPERTY_VALUE","value":"480000","options":"","label":"Property value","suffix":"\u00a3","useSuffixAsPrefix":true,"useDropDownOption":false,"tooltip":""},{"name":"MORTGAGE_AMOUNT","value":"230000","options":"","label":"Mortgage amount","suffix":"\u00a3","useSuffixAsPrefix":true,"useDropDownOption":false,"tooltip":""},{"name":"MORTGAGE_TERM","value":"18","options":"","label":"Mortgage term","suffix":"years","useSuffixAsPrefix":false,"useDropDownOption":false,"tooltip":""}]}
1 - 30 of 134
Name Product Initial rate Revert rate (SVR) Maximum LTV Cashback Apply link Initial payment
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.33% fixed until 31/08/2029
8.74% variable
60%
View details
£1,534.96
6.8% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.34% fixed until 31/08/2029
8.74% variable
60%
View details
£1,536.17
6.8% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.45% fixed until 31/08/2029
8.74% variable
60%
View details
£1,549.48
6.8% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.53% fixed until 31/08/2029
8.74% variable
60%
View details
£1,559.19
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.54% fixed until 31/08/2029
8.74% variable
60%
View details
£1,560.41
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.54% fixed until 31/08/2029
8.74% variable
75%
View details
£1,560.41
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.55% fixed until 31/08/2029
8.74% variable
60%
View details
£1,561.63
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.56% fixed until 31/08/2029
8.74% variable
75%
View details
£1,562.85
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.62% fixed until 31/08/2029
8.74% variable
80%
View details
£1,570.17
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.62% fixed until 31/08/2029
8.74% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Lloyds Bank 31/08/2026 Fixed
4.65% fixed until 31/08/2026
8.74% variable
60%
View details
£1,573.84
7.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.65% fixed until 31/08/2029
8.74% variable
60%
View details
£1,573.84
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.65% fixed until 31/08/2029
8.74% variable
75%
View details
£1,573.84
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.71% fixed until 31/08/2029
8.74% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.73% fixed until 31/08/2029
8.74% variable
80%
View details
£1,583.64
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.73% fixed until 31/08/2029
8.74% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.74% fixed until 31/08/2029
8.74% variable
75%
View details
£1,584.87
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.75% fixed until 31/08/2029
8.74% variable
60%
View details
£1,586.10
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2026 Fixed
4.75% fixed until 31/08/2026
8.74% variable
60%
View details
£1,586.10
8% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.76% fixed until 31/08/2029
8.74% variable
75%
View details
£1,587.32
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.78% fixed until 31/08/2029
8.74% variable
75%
View details
£1,589.78
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.82% fixed until 31/08/2029
8.74% variable
80%
View details
£1,594.71
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.82% fixed until 31/08/2029
8.74% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.82% fixed until 31/08/2029
8.74% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Lloyds Bank 31/08/2026 Fixed
4.83% fixed until 31/08/2026
8.74% variable
75%
View details
£1,595.94
8% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.85% fixed until 31/08/2029
8.74% variable
75%
View details
£1,598.41
6.9% APRC
CASHBACK
Lloyds Bank 31/08/2034 Fixed
4.85% fixed until 31/08/2034
8.74% variable
60%
View details
£1,598.41
5.9% APRC
CASHBACK
Lloyds Bank 31/08/2034 Fixed
4.85% fixed until 31/08/2034
8.74% variable
75%
View details
£1,598.41
5.9% APRC
CASHBACK
Lloyds Bank 31/08/2026 Fixed
4.85% fixed until 31/08/2026
8.74% variable
60%
View details
£1,598.41
8% APRC
CASHBACK
Lloyds Bank 31/08/2029 Fixed
4.85% fixed until 31/08/2029
8.74% variable
75%
View details
£1,598.41
6.9% APRC
loading

Leave a review

Your review

Read Terms and Conditions here

Overall representative example
If you borrow £178,000 mortgage over 25 years initially at 4.63% fixed for 60 months reverting to 6.99% variable for term. 60 monthly payments of £1002.56 and 240 monthly payments of £1214.16. Total amount payable £351,932.00 includes loan amount, interest of £173,552, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.2% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Overview of mortgages

Initial rate types Fixed, base rate tracker
Borrower types Remortgaging, first-time buyers, moving house
Mortgage amounts From £25,000 to £5,000,000
Mortgage terms From 3 to 40 years
Maximum LTV 95%
Lowest initial rate 4.33%
Longest fixed rate offer 10 years 2 months
Regions covered Great Britain, Northern Ireland
Applicant age From 18 to 80
Offers portable mortgages

Lloyds Bank’s buy-to-let mortgage rates

1 - 7 of 8
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Lloyds Bank 31/08/2029 Fixed
4.76% fixed until 31/08/2029
9.59% variable
70%
7.9% APRC
View details
Lloyds Bank 31/08/2029 Fixed
4.76% fixed until 31/08/2029
9.59% variable
70%
7.9% APRC
View details
Lloyds Bank 31/08/2029 Fixed
4.96% fixed until 31/08/2029
9.59% variable
70%
8% APRC
View details
Lloyds Bank 31/08/2029 Fixed
4.96% fixed until 31/08/2029
9.59% variable
70%
8% APRC
View details
Lloyds Bank 31/08/2026 Fixed
5.34% fixed until 31/08/2026
9.59% variable
70%
8.9% APRC
View details
Lloyds Bank 31/08/2026 Fixed
5.34% fixed until 31/08/2026
9.59% variable
70%
8.9% APRC
View details
Lloyds Bank 31/08/2026 Fixed
5.54% fixed until 31/08/2026
9.59% variable
70%
9% APRC
View details
loading

What types of mortgage can I get with Lloyds?

  • Fixed rate: Your interest rate will remain fixed for a set amount of time, providing certainty as far as the size of your mortgage payments.
  • Variable: This type of mortgage has an interest rate that can change over the mortgage’s term. Changes can be linked to the Bank of England (BoE) base rate, but other factors can also play a part.
  • Remortgages: You can switch your existing mortgage to Lloyds Bank via one of its remortgage products.
  • Interest-only: Your monthly repayments will only take mortgage interest into account. You’ll repay the capital at the end of the mortgage term.
  • Offset: You’ll use the funds in your Lloyds Bank savings account to offset the amount of your mortgage balance you pay interest on.
  • Buy-to-let: This mortgage allows you to borrow money to purchase an additional property and let it out to tenants.
  • Shared ownership: This mortgage allows you to buy a percentage of a property and pay rent on the remainder. You can then apply to buy additional percentages of the property as and when you can afford to do so.

How to apply

You can apply online, by calling 0800 783 3534 or by visiting a local branch.

What information do I need to provide?

You’ll need to provide personal details and financial information. You might need to show payslips and/or bank statements to back this up. The lender will also want to see details of any existing debt you have.

Eligibility criteria

Usually, you must be 18 or over to apply and not more than 80 when your mortgage term comes to an end.

All applicants will be subject to an affordability test or credit check. Lloyds Bank has an affordability calculator on its website, which estimates how much you may be able to borrow.

Contact details

For general mortgage queries, call 0800 783 3534 or visit a local branch.

Lloyds mortgages customer reviews

In our 2024 customer satisfaction survey, Lloyds scored 4.1 out of 5 stars with 89% of its customers saying they’d recommend the brand to a friend.

Customers in our survey commented positively on Lloyds’ customer service.

Here’s some of the feedback we got from Lloyds mortgage customers:

“Never had an issue with them. They have always put my needs first as a customer.”
“I find them easy to deal with and the application process was straightforward.”
“Excellent advice and service.”

Lloyds is a well-established high street name, offering a range of different mortgage options. When it comes to selecting and applying for a mortgage, it’s always important to do your research on the various lenders and deals available to you. Using a mortgage broker may save you time when researching the wider mortgage market, although be mindful of any fees involved.”

Michelle Stevens, Deputy Editor for Mortgages, Finder

Frequently asked questions

Mortgage ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Avatar

Written by

Matthew Boyle

Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full profile

More guides on Finder

Go to site