You will find at Lloyds Mortgages a variety of mortgage deals on offer. Lloyds TSB are in partnership with C&G (Cheltenham & Gloucester plc). C&G offer their skills whilst Lloyds TSB heads the agreement as a lender. You will find that Lloyds TSB Mortgages have some amazing deals on fixed-rate or tracker mortgages for you to choose from.

Lloyds Mortgages Fixed Rate Mortgages allow you to be comforted in the knowledge that the rate you will pay will remain the same every month up until an agreed date, no matter what occurs to the rates of interest. The benefits offered by Lloyds Mortgages are the following:

• Got a Lloyds TSB current account with £1000 plus per month deposited into it then you can apply for their most advantageous mortgage rates.
• Your mortgage repayments remain identical throughout the fixed-rate term making it easier for you to handle.
• In the first year you are given a free Home Harmony service which offers such services as giving details of trusted local trades people such as decorators, electricians, gardeners etc. This is available if you are purchasing a property.

At present Lloyds Mortgages 2 Year Fixed Rate Mortgage, which is available for first time buyers only, and must commence from the 29 February 2012 for loans between £5000 to £400,000 and between 75% and 80% of the value of your home, offer the following rates:

• Initial rate of 3.89% up until 30/11/2013 with a follow-on homeowner variable rate of 3.99% for the remainder of the period.  There is no product fee and an early repayment charge is payable up until the 30/11/2013.

For other borrowers then the rates for a 2 Year Fixed Rate Mortgage which must commence from the 29 February 2012 for loans between £5000 to £1,00,000 and between 60% and 75% of the value of your home, are as follows:

• Initial rate of 3.04% up until 30/11/2013 with a follow-on homeowner variable rate of 4.00% for the remainder of the period.  Product fee of £995 and an early repayment charge is payable up until the 30/11/2013.

• Initial rate of 3.34% up until 30/11/2013 with a follow-on homeowner variable rate of 4.01% for the remainder of the period.  There is no product fee and an early repayment charge is payable up until the 30/11/2013.

Also available at Lloyds Mortgages are Tracker Mortgages, this sort of mortgage tracks a separate set of interest rates and Lloyds Mortgages track the Bank of England bank rate, this rate can of course fluctuate up or down.

The benefits offered by Lloyds Mortgages 2 Year Tracker Mortgage include no early repayment fees; in the first year you are given a free Home Harmony service which offers such services as giving details of trusted local trades people such as decorators, electricians, gardeners etc. (this is available if you are purchasing a property) and if you possess a Lloyds TSB current account with £1000 plus per month deposited into it then you can apply for their most advantageous mortgage rates.

Payment options are as follows: Should you be loaning 75% or less of the property you are purchasing then you can opt for an interest-only repayment.  Should you require more than 75% then repayment mortgages will only be available.

Loans must commence from the 29 February 2012 and be between £5000 to £1,000,000 and 60% of the value of your home ad the rates are as follows:

• Initial rate of 2.64% which is variable, up until 30/11/2013 and tracks 2.14% above the base rate up until 30/11/13,  followed by a homeowner variable rate which presently is 3.99 % for the remainder of the period.  Product fee of £995 and an early repayment charge is payable up until the 30/11/2013.

Lloyds Mortgages have currently the following mortgage Special offer:

If you are remortgaging with Lloyds Mortgages then there are no upfront charges. You also have to have a Lloyds TSB current account which has £1000 or more paid in monthly giving you the opportunity to apply for their best mortgage rates such as shown below:

• Initial rate of 3.59% which is fixed up until 30/11/2013 with a follow-on homeowner variable rate of 3.99% for the remainder of the period.  There is no product fee and an early repayment charge is payable up until the 30/11/2013.

Lloyds Mortgages are definitely worth looking at when searching for a mortgage.