- Fixed interest rate for life at 4.39% with Lloyds
- No broker or advisor fees to pay
- Enjoy a free valuation on your property
- Lifetime equity release product with no end date
- No charges for early repayment
- Option to make monthly repayments if preferred
To determine whether Lloyds equity release is the right option for you, please complete the form below:
Coming to the end of a mortgage term can be a daunting prospect if there is still a balance outstanding and no apparent means of repaying it. For many people approaching retirement, a Lloyds equity release plan provides a way of dealing with the situation while continuing to live in their home.
By arranging a lifetime mortgage through Lloyds, the existing mortgage debt can be cleared in full, avoiding the pressure of having to sell the property or make alternative arrangements at short notice.
A Lloyds equity release works differently from a standard mortgage. The loan is secured against the home, but there is no obligation to make monthly repayments unless the borrower chooses to. Interest is usually added to the balance, and both the loan and interest are repaid from the sale of the property when the homeowner passes away or moves into long-term care.
This makes it easier for people in later life to remain in familiar surroundings without the strain of ongoing commitments.
Lloyds also offers essential consumer protections, such as the guarantee that the debt will never exceed the value of the home. Independent financial advice is necessary, as releasing equity reduces the value of the estate and can affect future inheritance.
LLOYDS BANK – ORGANISATIONAL STRUCTURE, REGULATORY REGISTRATIONS, ACTIVITIES, GLOBAL PRESENCE, AND CONTACT INFORMATION
🏦 CORPORATE STRUCTURE AND ASSOCIATED COMPANIES
| Entity Name | Jurisdiction | Company Number | Role / Notes |
|---|---|---|---|
| Lloyds Banking Group plc | Scotland | SC095000 | Ultimate holding company |
| Lloyds Bank plc | England and Wales | 00002065 | UK retail and commercial banking |
| Bank of Scotland plc | Scotland | SC327000 | UK banking, trading as Halifax and Birmingham Midshires |
| Halifax (brand) | United Kingdom | — | Trading name under Bank of Scotland plc |
| Scottish Widows Limited | Scotland | SC004539 | Life insurance and pensions |
| Scottish Widows Administration Ltd | England and Wales | 03196137 | Back-office operations |
| Cheltenham & Gloucester plc | England and Wales | 02296786 | Dormant brand, mortgage legacy |
| Birmingham Midshires | United Kingdom | — | Trading name of Bank of Scotland plc |
| Lloyds Bank Corporate Markets plc | Scotland | SC100849 | Non-ring-fenced investment banking |
| Lloyds Bank International Ltd | Isle of Man | 00139608C | Offshore and international banking |
| Lloyds Bank GmbH | Germany | HRB 41895 | EU retail and corporate banking |
| Black Horse Ltd | England and Wales | 00689880 | Consumer motor and asset finance |
| Lex Autolease Ltd | England and Wales | 01090741 | Vehicle leasing and fleet management |
| LDC (Managers) Ltd | England and Wales | 02177373 | Lloyds Development Capital – private equity |
| Lloyds Bank (International Services) | Jersey | — | Private banking, international clients |
🛡️ REGULATORY REGISTRATIONS
| Entity | FCA Authorisation | PRA Authorisation | Other Regulators |
|---|---|---|---|
| Lloyds Bank plc | Yes | Yes | FCA Ref: 119278 |
| Bank of Scotland plc | Yes | Yes | FCA Ref: 169628 |
| Lloyds Bank Corporate Markets plc | Yes | Yes | FCA Ref: 763256 |
| Lloyds Bank GmbH | — | — | BaFin (Germany) |
| Lloyds Bank International Ltd | — | — | Isle of Man FSA |
| Lloyds Bank (International Services) | — | — | Jersey Financial Services Commission (JFSC) |
| Lloyds Bank USA | — | — | Regulated as a representative office |
| Scottish Widows Ltd | Yes | — | FCA Ref: 139398 |
🌍 CORE BUSINESS ACTIVITIES
| Category | Description |
|---|---|
| Retail Banking | Current accounts, savings, mortgages, credit cards, personal loans |
| Commercial Banking | Business accounts, asset finance, trade finance, lending |
| Private Banking | Via Lloyds Bank International and Bank of Scotland International |
| Life & Pensions | Life cover, pensions, annuities (Scottish Widows) |
| Mortgages | Lloyds, Halifax, Birmingham Midshires, C&G legacy |
| Motor Finance | Black Horse Ltd, Lex Autolease Ltd |
| Investment Banking | Corporate Markets plc – debt capital markets, derivatives |
| Insurance | General insurance, critical illness cover |
| Wealth & International Banking | Offshore accounts, wealth planning, foreign exchange |
| Private Equity | LDC – mid-market equity investment |
🌍 GLOBAL & REGIONAL OFFICES – POSTAL ADDRESSES AND CONTACTS
Lloyds Banking Group Headquarters
- 📍 25 Gresham Street, London EC2V 7HN, United Kingdom
- 📞 +44 (0)20 7626 1500
- For Lloyds equity release
- 🌐 https://www.lloydsbankinggroup.com
Lloyds Bank plc
- 📍 25 Gresham Street, London EC2V 7HN, United Kingdom
- 📞 0345 602 1997 (UK)
- 🌐 https://www.lloydsbank.com
Bank of Scotland plc / Halifax / Birmingham Midshires
- 📍 The Mound, Edinburgh, EH1 1YZ, United Kingdom
- 📞 0345 721 3141
- 🌐 https://www.bankofscotland.co.uk
- 🌐 https://www.halifax.co.uk
Lloyds Bank Corporate Markets plc
- 📍 10 Gresham Street, London EC2V 7AE, United Kingdom
- 📞 +44 (0)20 7158 1234
- 🌐 https://www.lloydsbankcorporatemarkets.com
Scottish Widows
- 📍 69 Morrison Street, Edinburgh, EH3 8YF, United Kingdom
- 📞 0345 716 6777
- 🌐 https://www.scottishwidows.co.uk
Lloyds Bank GmbH (Germany)
- 📍 Bockenheimer Landstraße 10, 60323 Frankfurt am Main, Germany
- 📞 +49 (0)69 9200 500
- 🌐 https://www.lloydsbank.de
Lloyds Bank International Ltd (Isle of Man)
- 📍 PO Box 160, 25 Prospect Hill, Douglas, Isle of Man IM99 1UF
- 📞 +44 (0)1624 638000
- 🌐 https://international.lloydsbank.com
Lloyds Bank International (Jersey)
- 📍 PO Box 160, 9 Broad Street, St Helier, Jersey, JE4 8NG
- 📞 +44 (0)1534 845500
- 🌐 https://international.lloydsbank.com
Lloyds Bank USA (Representative Office)
- 📍 1095 Avenue of the Americas, New York, NY 10036, USA
- 📞 +1 212 450 0800
- 🌐 https://www.lloydsbank.com/business/large-business/us-presence.asp
Black Horse Ltd
- 📍 25 Gresham Street, London, EC2V 7HN, United Kingdom
- 📞 0344 824 8888
- 🌐 https://www.blackhorse.co.uk
Lex Autolease Ltd
- 📍 Heathside Park, Heathside Park Road, Stockport, SK3 0RB, United Kingdom
- 📞 0344 879 6000
- 🌐 https://www.lexautolease.co.uk
LDC (Lloyds Development Capital)
- 📍 123 Victoria Street, London SW1E 6DE, United Kingdom
- 📞 +44 (0)20 7063 3000
- 🌐 https://www.ldc.co.uk
