Lloyds Bank Mortgage Rates - October 2026
The indicative rates below are based on Lloyds Bank's published products for residential mortgages. Rates shown are for illustrative purposes - your actual rate will depend on your LTV, loan size, credit profile and property type.
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-year fixed rate | 3.90% | 4.10% | 4.35% |
| 5-year fixed rate | 4.15% | 4.35% | 4.60% |
| 2-year tracker | – | 3.96% | – |
| Standard Variable Rate (SVR) | 7.09% |
Rates are indicative only. Last updated October 2026. Subject to change without notice. Your home may be repossessed if you do not keep up repayments on your mortgage.
Already on Lloyds Bank's SVR at 7.09%? On a £250,000 mortgage, moving from 7.09% to a 5-year fix at 4.35% could save approximately £570 per month. Contact us now to compare.
Is Lloyds Bank's Rate the Best Available?
Lloyds Bank's rates are competitive in many scenarios, but the best rate for you depends on your specific circumstances - your LTV, loan amount, credit history, property type, and whether you're purchasing or remortgaging.
Doulton Bridging Finance compares Lloyds Bank's rates against 130+ lenders to ensure you get the best available deal. If Lloyds Bank is the right choice, we'll tell you. If another lender can save you money, we'll show you the numbers.
Compare Lloyds Bank Against the Market →
Existing Lloyds Bank Customer? Compare Your Renewal Options
If you're an existing Lloyds Bank mortgage customer coming to the end of your deal, you have two options: take Lloyds Bank's product transfer offer, or remortgage to a potentially better rate with a different lender.
Since July 2026, the FCA no longer requires a full affordability check when you move to a cheaper deal with your existing lender - making product transfers faster than ever. But "faster" doesn't always mean "cheaper". Let us compare both options.
See our dedicated Lloyds Bank product transfer page for a full comparison of renewal options.