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Lloyds Bank Resurrects 0%-Down Adjustable-Rate Mortgages for First-Time Buyers to Prop Up UK’s Housing Market Lloyds Bank launches Help to Buy mortgages2nd January 2014. From 3 January, first time buyers and home-movers will be able to apply for Help to Buy mortgages through Lloyds Bank, which today launched its Help to Buy mortgage products. This will allow homebuyers to access a mortgage with just a 5 per cent deposit.

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