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Best Lloyds Remortgage Deals 2026

Lloyds Bank is part of the UK's largest banking group and a major remortgage lender, with Club Lloyds members accessing preferential rates. This guide covers the best Lloyds remortgage deals in 2026 and the alternatives worth comparing.

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Quick Answer: Best Lloyds Remortgage Deals in 2026

Lloyds remortgage rates in 2026 are typically 4.7%-5.2% for a 2-year fix and 4.5%-5.0% for a 5-year fix at 75% LTV. Club Lloyds members access a rate discount (typically around 0.20%) that can make Lloyds market-leading. Lloyds lends up to 90% LTV with broad criteria. Existing customers can product-transfer quickly. Note: Lloyds' new-business rates are sometimes cheaper than its product-transfer rates, so compare both. Always check against HSBC, First Direct, Halifax and Santander.

Lloyds Remortgage Rates by LTV (2026)

LTV bandTypical 2-yr fixTypical 5-yr fix
60% LTV4.5-4.9%4.3-4.8%
75% LTV4.7-5.2%4.5-5.0%
85% LTV5.0-5.4%4.8-5.2%
90% LTV5.2-5.8%5.0-5.6%

Club Lloyds members typically get around 0.20% off these rates — which can move Lloyds from mid-table to market-leading.

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Gary from London

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Gary, London
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"I kept putting off remortgaging because I thought it would be a massive headache. Honestly, the whole thing was painless — filled in a quick form, got my options, and it was all sorted within weeks. Wish I'd done it sooner."
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Katie, London
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"Our fixed rate was ending in a month and I was panicking about going onto the SVR. Managed to get everything sorted really quickly and we're now on a much better rate. Saving us about £200 a month."
Janet from Exeter

"So Much Better Off"

Janet, Exeter
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"Was a bit nervous about switching as I'd been with the same lender for years. Turns out I was massively overpaying — got a much better deal and the whole process was far easier than I expected."
Lucy from Tamworth

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Lucy, Tamworth
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"After having to pay a ridiculous amount due to the interest rate hike, we have now got a more suitable monthly payment, consolidated a loan and have money left for hopefully a loft conversion."

Club Lloyds: The Member Discount

Lloyds' standout feature is the Club Lloyds discount:

If you're a non-member, joining Club Lloyds before remortgaging (to access the discounted rate) is often worth the small account cost. Always model whether the discount makes Lloyds the cheapest option versus the wider market.

Product Transfer vs Switching From Lloyds

Existing Lloyds customers can:

As with NatWest, Lloyds' new-business remortgage rates are sometimes cheaper than its product-transfer rates — so compare both routes within Lloyds, plus the wider market.

Best Alternatives to Lloyds

Compare Lloyds (with any Club discount) against:

A broker compares Lloyds' Club-discounted rate against the whole market so you know whether the membership genuinely makes it the cheapest option for you.

Important: Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The actual rate available will depend on your circumstances. Think carefully before securing other debts against your home.

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Frequently Asked Questions

Typically 4.7%-5.2% for a 2-year fix and 4.5%-5.0% for a 5-year fix at 75% LTV, with cheaper rates at 60% LTV. Club Lloyds members get around 0.20% off, which can make Lloyds market-leading. Rates change daily, so compare Lloyds (with any Club discount) against HSBC, First Direct, Halifax and Santander.

Club Lloyds members (holders of the Club Lloyds current account, £3/month or free if you pay in £2,000+/month) access a mortgage rate discount of typically around 0.20%. On a £200,000 mortgage that saves roughly £20-£25/month — about £1,200-£1,500 over a 5-year fix, far exceeding the account's cost. For non-members, joining before remortgaging is often worthwhile.

Often, yes. The Club Lloyds account costs £3/month (waived if you pay in £2,000+/month), and the ~0.20% mortgage discount saves far more on a typical loan — around £1,200-£1,500 over a 5-year fix on £200,000. But only if the Club-discounted Lloyds rate is genuinely the cheapest for you versus the wider market. Compare before joining.

Compare both — and compare Lloyds' product transfer against its own new-business rate, which is sometimes cheaper. Factor in any Club Lloyds discount. A product transfer is fast and needs no valuation or legal work. If a rival (or Lloyds' new-business deal) beats your retention rate by a meaningful margin, switching can save more.

They're both part of Lloyds Banking Group but are separate brands with separate products and rates. Halifax is the group's largest mortgage brand and often very competitive; Lloyds Bank offers the Club Lloyds discount for members. You can't hold the same mortgage at both, but it's worth comparing both brands (plus the wider market) when remortgaging — a broker does this in one go.

Lloyds lends up to 90% LTV on remortgages for clean-credit borrowers in 2026. The best rates are at 60% LTV, stepping up at 75%, 85% and 90%. For capital raising (borrowing more), Lloyds typically caps at a lower LTV than the maximum. Higher LTV or adverse credit cases may need a specialist lender.

Both are in Lloyds Banking Group but compete separately. Halifax is the group's largest mortgage brand, often very competitive on rate and strong for self-employed. Lloyds offers the Club Lloyds member discount (~0.20%). For a Club Lloyds member, Lloyds can be cheaper; for non-members, Halifax is often more competitive. Compare both brands plus the wider market.

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