• We offer a range of mortgages. To find out more about our first time buyer offers contact us to speak to one of our Mortgage Arrangers.
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  • Features and benefits

    • We offer fixed rate mortgages for a variety of periods up to 5 years, so you'll know exactly what interest you will be paying.
    • We have Tracker mortgages which track the Bank of England base rate for 2 or 3 years.
  • Choosing the right way to repay.

    Whatever your reason for needing a new mortgage we’ll help you decide which type of repayment option will work for you. Our fixed rate mortgages mean your payments will stay the same each month during the fixed period (usually two, three or five years). So you can budget in peace of mind, knowing that your payments will stay the same whatever happens to interest rates generally. Our tracker mortgage rates move in line with the Bank of England base rate (within one month). So depending on the movement of the base rate, your interest rate could go up or down at any time.

    Lending is at the bank's discretion. How much we lend, the rate available to you and the issue of a mortgage is subject to our assessment of your circumstances. You must be 18 or over and resident in the Channel islands or Isle of Man to apply.

  • YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

  • Eligibility

    Lending is at the Bank’s discretion and you must be 18 or over and resident in the Channel Islands or Isle of Man to apply. Security will be required.

  • Current Interest Rates

    Interest rates are correct as from 1st February 2017

    Homeowner Variable Rate 3.74% APR 3.8%

    Fixed Rate Mortgages

    Product Pay Rate Followed by the Homeowner Variable Rate The Overall Cost for Comp- arison Expiry Date Valuation Free Product* Arrangement Fee
    2 Year Fixed 60% LTV 1.85% 3.74% APR 3.6% 31st March 2019 No £899
    2 Year Fixed 75% LTV 1.95% 3.74% APR 3.6% 31st March 2019 No £999
    2 Year Fixed 85% LTV 2.89% 3.74% APR 3.7% 31st March 2019 Yes £999
    2 Year Fixed 90% LTV 3.25% 3.74% APR 3.8% 31st March 2019 Yes £499
    3 Year Fixed 75% LTV 2.94% 3.74% APR 3.7% 31st March 2020 No £999
    3 Year Fixed 85% LTV 3.74% 3.74% APR 3.8% 31st March 2020 Yes £999
    3 Year Fixed 90% LTV 4.39% 3.74% APR 3.9% 31st March 2020 Yes £499
    5 Year Fixed 60% LTV 2.44% 3.74% APR 3.5% 31st March 2022 No £995
    5 Year Fixed 75% LTV 2.69% 3.74% APR 3.5% 31st March 2022 No £999
    5 Year Fixed 85% LTV 3.49% 3.74% APR 3.8% 31st March 2022 Yes £999
    5 Year Fixed 90% LTV 4.00% 3.74% APR 3.9% 31st March 2022 Yes £499

    For mortgages taken before 1st February 2011 you will pay interest at the Lloyds Bank International Banking Mortgage Rate, which is variable, from the date after expiry of the fixed term. For mortgages taken on or after 1st February 2011 you pay interest at the Homeowner Variable Rate, which is variable, from the date after expiry of the fixed term. The arrangement fee shown is payable before we formally offer a mortgage to you. The arrangement fee is waived in full for Premier customers and will be refunded on completion for first time buyers. You must be 18 or over to apply. The APR (Annual Percentage Rate) shown is typical for a mortgage of £200,000 over 25 years. For above fixed rate offers apply by 31st March 2017.

    *All applicants must pay their mortgage valuation fees as part of the application process. If the mortgage is a "Valuation Free" product, the valuation fee must still be paid by the applicant(s) but this will be refunded when the mortgage funds are released. Please note that if any mortgage application is declined or withdrawn by the applicant(s) the fee will not be refunded.

    Tracker Mortgages

    Product Margin Interest Rate Followed by the Homeowner Variable Rate The Overall Cost for Comparison Expiry Date Arrangement Fee
    2 Year Tracker 75% LTV 2.79% above Base Rate 3.04% 3.74% APR 3.7% 31st 
    March 2019
    £999
    2 Year Tracker 90% LTV 4.34% above Base Rate 4.59% 3.74% APR 3.9% 31st 
    March 2019
    £999
    3 Year Tracker 75% LTV 2.99% above Base Rate 3.24% 3.74% APR 3.7% 31st 
    March 2020
    £999

    Interest rates are variable. With a tracker mortgage, the interest rate will be linked to the Bank of England's Base Rate. The rate will be recalculated within one month following any change in the Base Rate. For mortgages taken before 1st February 2011 you pay interest at the Lloyds Bank International Banking Mortgage Rate, which is variable, from the date after expiry of the term of the tracker (if any). For mortgages taken on or after 1st February 2011, you pay interest at the Homeowner Variable Rate, which is variable, from the date after expiry of the term of the tracker (if any).

  • Charges and fees

    Arrangement Fee

      Standard arrangement fees Gold customers' fees Premier
    Tracker mortgage £999 £499.50 £0
    Fixed Rate mortgage £499 - £999 (depending upon selected product) £249.50 - £499.50 (depending upon selected product) £0

    Legal Fees

    You must pay your own legal fees and any fees we incur while setting up your mortgage.

    Early repayment

    The early repayment charge will be 1 month's interest for every whole or part year of the Fixed Rate period outstanding. The minimum charge will be 3 months.

    Other fees and charges

    You will need to pay these fees as necessary:

    • valuation fee
    • stamp duties
    • taxes
    • communication charges
    • building insurance
  • How old do I have to be to take out Mortgage?

    You must be 18 or over in order to take out any lending with Lloyds Bank. This includes mortgages, loans, overdrafts and credit cards.

    Do I have to pay anything for taking out a Mortgage?

    There are numerous charges and fees that come with buying a house. You will be charged some of these by the lender, such as an arrangement fee, where as other charges will take the form of legal and valuation costs which are not charged by the lender. The charges and fees section in the website will give you an idea of the types of charges you may incur.

    Am I guaranteed to be accepted for a Mortgage?

    Unfortunately we cannot guarantee everyone will be approved for a mortgage. How much we lend and the issue of a loan is subject to our assessment of your circumstances.

    Who can I speak to if I need extra information?

    For Jersey residents please call 01534 845155, Isle of Man residents 01624 697113, Guernsey residents 01481 706317 or Alderney residents 01481 822340.

  • How to apply:

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    Visit us in branch

    • Make sure you bring ID such as your original passport or driving licence, as well as proof of your address.

    Find a branch

    telephone

    Call us

    • 01534 845271 or 01534 845307  Jersey
    • 01481 706317  Guernsey
    • 01624 697113 or 01624 811421  Isle of Man
    • 01481 822340  Alderney

    Lines are open 24 hours a day, 365 days a year.

    To ensure security for our customers and staff and to help maintain service quality, some calls may be recorded and monitored.