Lloyds Bank mortgage

Written by: Joost van Herpen

Reviewed by: Roel Wonders

Written on: 1 juli 2024
Dutch version Lloyds Bank is part of the British Lloyds Bank Group, the sixth largest mortgage provider in the Netherlands.

An important advantage of Lloyds Bank is the daily interest rate. When all documents are signed at the notary, it is checked again whether the interest at that time is lower than the interest in the quotation. If that is the case, your mortgage interest rate will be reduced.

Lloyds Bank offers even more advantages, but of course also a number of disadvantages. As a Certified Mortgage Planner, I have a lot of experience with Lloyds Bank and I know the conditions. That's why I'll tell you all about the pros and cons of this sofa below.

Want to know whether Lloyds Bank has the best conditions and interest rates for you? Then schedule a free meeting with me..


• The bank works with daily interest
• Has mortgages with a variable interest rate and many fixed-rate periods
• Competitive mortgage rates for a fixed interest period of 10, 15, 20 and 30 years
• Lloyds Bank also offers buy-to-let mortgages
• Despite BKR registration, a chance of a mortgage if you meet NHG conditions
• Often higher borrowing capacity with a personal loan


• Without NHG, the maximum mortgage may be 90% of the home value
• Bonus, commission or overtime is added to the income up to a maximum of 20%
• Possible costs for extending the mortgage offer

Curious about your maximum mortgage? Wondering if this or one of the other 37 mortgage providers has the best rates and terms for you? Schedule a free consultation with me..

Joost en Roel huis

Joost van Herpen & Roel Wonders EHP

About Lloyds Bank

Lloyds Bank is part of the Lloyds Banking Group and is active in the Netherlands with banking products, including mortgages.

In the Netherlands, around 150,000 people have a mortgage or savings account with Lloyds Bank.

Lloyds Banking Group is active in 6 countries. In Great Britain, Lloyds Bank has more than 30 million customers. In Great Britain, Lloyds Bank is the largest in current and savings accounts, mortgages, personal loans and credit cards.

One in three Britons bank with Lloyds Bank.

What are the funding sources for Lloyds Bank?

The money that Lloyds Bank lends mainly comes from savings. So the money that people put in a savings account at Lloyds is lent out through mortgages.

In addition, Lloyds Bank resells loans through so-called “covered bonds”.

Mortgage rates from Lloyds Bank

Lloyds Bank, Allianz, Robuust en ABN AMRO

Lloyds Bank mortgage interest rates are low for mortgages with NHG, especially with fixed interest periods of 10, 20 and 30 years.

In addition, Lloyds Bank often offers a competitive variable interest rate.

Discover now what the current mortgage interest rate of Lloyds Bank is and compare it with the interest rates of all other mortgage providers:

Is Lloyds Bank reliable?

Lloyds Bank is one of the largest English banks. The Lloyds Bank Group has more than 65,000 employees and 30 million customers.

The bank has been around since 1765, but the history of the bank goes back to 1695. The bank has been around for more than 250 years and that says something about its reliability.

Lloyds Bank has been active in the Netherlands since 1999 and has grown into the sixth largest provider in our country. The bank is also active in the rest of Europe.

Brexit threatened the position of Lloyds Bank in Europe. Because the bank established its own company in Germany before Brexit, it could still remain active after Brexit through a European banking license.

This ability to respond to changes naturally benefits the reliability of Lloyds bank.

Wat is mijn ervaring met Lloyds Bank?

Bij het vergelijken van hypotheekvoorwaarden en rentes neem ik Lloyds Bank natuurlijk mee. Ik heb goede ervaringen met deze bank.

De rentetarieven zijn vaak laag, zowel de variabele rente als voor de verschillende rentevaste periodes. In Amsterdam heeft Lloyds Bank een eigen team met 50 tot 100 hypotheekspecialisten, die ook wel bereid zijn om mee te denken.

In de basis is Lloyds Bank wel een strenge bank, omdat ze veel documenten opvragen. Wanneer echter alles goed wordt aangeleverd, dan denken ze vaak in mogelijkheden.

Daarnaast is Lloyds ook een aanbieder van verhuurhypotheken, waardoor het via de bank dus ook mogelijk is om een huis te kopen voor de verhuur.

If this mortgage provider is not the best for you? Then one of the 37 other providers might be better Schedule a free consultation with me to find out.

Extensive pros and cons

Below are the detailed pros and cons:


  • Lloyds Bank uses the daily interest principle. This means that if the interest rate is lower on the date the mortgage deed is signed, you will still receive this lower interest rate.
  • Lloyds Bank has a wide range of interest rates and fixed interest periods. You can also opt for a variable interest rate at Lloyds Bank. Lloyds Bank offers low interest rates for 10, 15, 20 and 30 years fixed.
  • Lloyds Bank also offers a rental mortgage, which means that you can also take out a mortgage with Lloyds Bank for a home that you want to rent out.
  • Do you have an expiring credit? Lloyds Bank then includes the actual burden in the mortgage application.
  • If you have a BKR registration and meet the conditions of the National Mortgage Guarantee, you have a good chance of being able to take out a mortgage with Lloyds Bank.



  • If you take out a mortgage without a National Mortgage Guarantee (NHG), your mortgage may not exceed 90% of the market value of the home.
  • You may include a bonus payment, income from commission or overtime for a maximum of 20% of your fixed income in a mortgage application.
  • If you want to extend the validity of the mortgage offer, you may pay extension costs.


We do our best to keep the conditions up to date, but mortgage providers may change their conditions. Schedule a free consultation with me so that we can discuss the most current conditions and pros and cons.

Roel Wonders Review
Roel Wonders

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