Specialist Lending
Lending designed around you.
Problem solved.
We offer finance solutions to help you achieve your goals.
Our customers view lending as an invaluable tool to help grow their wealth and realise their ambitions. Which is why our experts look at each lending request on an individual basis and consider every aspect of the client's wealth to ensure we offer them the most suitable lending terms.
An introduction to Private Banking Specialist Lending
- We put each lending request in the hands of an expert.
- We aim to identify the most suitable solution by considering your overall wealth, income, and viability of your proposal.
- We offer flexible repayment options built around your income and planned asset disposals.
- Pricing reflects the specific proposal details.
- We can lend on an interest-only or a capital and interest basis.
- If security is required, we can consider a wide range of assets.
- Customers with large borrowing requirements benefit from a dedicated contact.
Our Specialist Lending service is available to anyone with a sole income of at least £100,000 or £250,000 or more in saving and/or investments, excluding personal pensions or property. Fees and charges will apply.
Personal lending solutions
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Our term loans have been specifically designed to cater for their medium to long term needs. Loans can be interest-only or have capital and interest.
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Our Buy to Let loans are designed to allow you to purchase property in order to let it out to tenants. (Up to 10 Properties).
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Our Self-Build Loans are great if you wish to build a new home or renovate your current one. The loan is tailored to the specific project and its time frame, allowing the drawing down of funds as required during the project.
You could lose your home if you don’t keep up your mortgage repayments
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Our Bridging Loans are designed to help you purchase your new home in advance of selling your existing home. Repayment would come from the sale proceeds of your existing home. These loans are available on an open basis where contracts have not been exchanged for their sale or on a closed basis where contracts have been exchanged.
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Our Guarantor Loan allows you to guarantee a family members borrowing. It’s the ideal way to help the next generation take their first step onto the housing ladder.
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Executors will often need to pay inheritance tax charges before the distribution of the proceeds of an estate. Our short-term Inheritance Tax Loans allow this liability to be met. The loans and interest are then repaid once the estate has been settled.
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As part of Lloyds Banking group we can introduce you to our Commercial team who can consider requests of a business nature.
How much we lend, the period and rate available are subject to our assessment of the borrower’s circumstances. Specific eligibility criteria and conditions apply for certain types of lending. The borrower must be 18 or over and a UK resident to apply. Lending is subject to status and application. Security may be required.
“At Lloyds Specialist Lending all our customers have one thing in common – their situation is unique. They use us because the off-the-shelf products just don’t meet their requirements. They need a lender with a wider perspective, one who can offer a solution to the problem they have identified and is able to consider their wealth in its entirety.”
Nigel Lanchbury
Private Banking Lending Manager
Key documents
General information about our lending and financing (PDF, 85KB)
Specialist Lending Brochure
- Lloyds Private Banking Lending Brochure (PDF, 870KB)
- Lloyds Private Banking Customer Fact Sheet (PDF, 70KB)
Specialist Lending Application Form
Pack for Introducers
Contact us for a personal introduction
Making sure you get a fair deal
We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.
To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.
Please note that the Standards of Lending Practice only apply to our unsecured lending products.