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Lloyds Bank: Mortgage reviews

Name: Mortgage
Rating: 3.06 (44 reviews)

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3.06

Based on 44 reviews, last reviewed 24th Mar 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

44%

11%

34%

Latest highest rating:

5

Staff are very easy to talk to and help with any adv... Staff are very easy to talk to and help with any advice or information you need and they always try and do what is best for the customer. Also the clu... Read more Reviewed on: 22nd January 2026

Latest lowest rating:

1

They told me they could not give me a mortgage becau... They told me they could not give me a mortgage because they did not classify a pension as income. My pension is a Lloyds pension !! Reviewed on: 24th March 2026

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About this product

Lloyds Bank is a financial services provider offering a range of products and services, including a variety of mortgage products. Make sure that you’re confident with the Ts and Cs and interest rate of a mortgage before taking it out. Always speak with the lender or an independent advisor if you need help understanding your options.

At Smart Money People, we understand that finding the right mortgage provider is difficult. That’s why we collect Lloyds Bank mortgage reviews, to help you make an informed decision when choosing your new lender.

If you’re considering a mortgage with Lloyds Bank, find out more from the reviews on Smart Money People. Learn why borrowers chose Lloyds Bank as their mortgage provider and how satisfied they’ve been so far. Read about Lloyds Bank’s customer service to find out how quickly customers’ issues get resolved. Find out the main pros and cons of a Lloyds Bank mortgage. All of this and more can be found in our Lloyds Bank mortgage reviews.

If you have a mortgage with Lloyds Bank, share your experience with others by writing a review. Tell us which mortgage you chose and how satisfied you’ve been so far. Share the main pros and cons you’ve experienced. How supportive was Lloyds Bank throughout the application process? Have you been kept you up to date with any important mortgage updates or news? Would you recommend the lender to your family and friends? Whether good or bad, write a Lloyds Bank mortgage review today. Together, we can help people like you make better financial decisions.

Lloyds Bank Mortgage reviews (44)

Review of the Lloyds Bank, Mortgage:

Perfect

Always helpful especially in branch Reviewed on: 2nd June 2022

NO CARE FOR LOYALTY NO HELP

I have been with Lloyds Bank for 18 yrs with a mortgage. Never once missed a payment. This month February 2023 I asked for a payment holiday. We were told we had until 28th February to make our payment. We usually pay on the 1st. Because we had not paid in the first our mortgage holiday was refused. We told them this would make us struggle financially as we had something we needed to organise which would have us back in track. They refused. It seems 18 yes of paying without any missed payments is neither here nor there. This company will not help even the customers who have been good on their account! Very disappointing! UPDATE So we where told 23rd February that if we paid this months mortgage then we could gave a holiday. Then today 27th February I received a call saying we couldn't. That they apologise for getting our hopes up. That they sympathise with this and that and just verbal company non-sense. No help at all. They can't help due to the fact decent afford the mortgage!!! We haven't missed a payment in 18 years and just needed to get our new work contracts in order as the other person who had the other half of the mortgage abruptly stopped without warning us! DO NOT GET A MORTHAGE WITH THIS COMPANY..THEY DO NOT CARE ABOUT YOUR LOYALTY OR GIVE ANY SUPPORT. Unless you want to rack a bill up with a 0% interest rating that will kill your credit rating. That was as far as their generosity went... Reviewed on: 27th February 2023

Great mortgage

Easy flexible mortgage with competitive rates Reviewed on: 20th February 2023

Fantastic support

Lloyds customer service while I was going through the process of buying a house and arranging a mortgage was second to none. As a first time buyer the whole process was new and unfamiliar to me but my mortgage adviser guided me through every step. Cannot recommend more highly! Reviewed on: 9th February 2023

Good bank complaint resolved to our satisfaction

We applied for a mortgage with Lloyd's and got offered a fantastic rate (just before they all went up). After paying the product fee we were informed we couldn't have the rate as our mortgage needed to start 1 day later. Made a complaint and it was resolved (we got the rate, seller had given us wrong info) and it was resolved quickly so very happy in the end. Informed the mortgage advisor would undergo training. Reviewed on: 3rd February 2023

Trying to change my variable to a fixed rate mortgage

It took me 3 months to finally change my mortgage from a variable to a fixed rate mortgage after 3 hours on the phone with a mortgage advisor being antagonised and fraustrated as he was more interested in selling me life insurance rather than helping and advising me so I had to use my own initiative in the end Reviewed on: 28th October 2022

Trying to change from a variable mortgage to a fixed mortgage

It took me 3 months to finally get my mortgage changed from a variable mortgage to a fix mortgage as they used every trick possible to delay my actions then who was supposed to be my mortgage adviser spent most of his time antagonising me and trying to sell me life insurance even though I kept telling him that I used wanted a fixed mortgage and nothing else! Reviewed on: 28th October 2022

They use a hopeless free conveyancer

They use a company called Optima Legal for their conveyancer they are the worst company you will ever deal with. Lloyds will hide behind them saying that they can't help when it ends up costing you more by your mortgage not being ready. They won't sadly be "By your side" they won't compensate you and will leave you high and dry blaming it on a third party! Reviewed on: 18th October 2022

Wasting my time

After weeks of giving data and passing their checks and due diligence... oddly out of no where, they said no. They suggested the underwriters did not want to based on some nonsense ratio that actually was not correct. Don't waste your time with these amateurs Reviewed on: 17th August 2022

Great customer service

Really great! The mortgage application process was really supportive and everything was explained clearly. There’s a page you can log in to online to track the process of your mortgage offer. You’re updated every step of the way. Reviewed on: 12th August 2022

Good bank

Very good experience excellent customer service Reviewed on: 2nd June 2022

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