First-time buyers
Step onto the property ladder with guided support from application to completion. We explain deposit requirements, affordability checks, and the legal process in plain language.
Home finance
Mortgages
Home finance for first-time buyers, movers, landlords, and existing customers—with adviser support and clear guidance through every stage of your application.
Mortgage solutions
Remortgage
Switch your existing mortgage to Lloyd Merchant Bank to secure a new rate or release equity. We compare product options and highlight any early repayment charges on your current deal.
Buy to let
Finance residential investment properties with products designed for individual landlords and small portfolios. Rental income and property type are considered as part of affordability.
Existing customers
Already bank with us? Product transfers and additional borrowing may be available without a full remortgage application. Review your options before your current deal ends.
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it. Mortgage terms, rates, and fees vary by product and are subject to status and valuation.
Lloyd Merchant Bank does not provide legal or tax advice. You should consider independent professional advice before committing to a mortgage, particularly for buy-to-let and complex ownership structures.
Arrange a mortgage conversation
Book a call with our advisers to discuss borrowing amounts, product types, and next steps for your property plans.
Frequently asked questions
First-time buyers typically need at least 10% of the property purchase price, though some products may require more depending on the property type and your circumstances. Buy-to-let mortgages usually require a minimum 25% deposit.
A decision in principle is an indicative lending amount based on information you provide. It helps you house-hunt with confidence but is not a formal mortgage offer. A full application and property valuation are required before completion.
Yes, though early repayment charges may apply if you leave a fixed or discounted deal before the end of the agreed term. We can review your current deal and outline any fees before you switch.
If your circumstances change, contact us as early as possible. We may be able to discuss temporary payment arrangements or product changes in line with our forbearance policy and regulatory obligations.
Related information
Speak to a mortgage adviser
Our UK mortgage team can discuss your plans, outline documentation requirements, and arrange a decision in principle where appropriate.