Our purpose and strategy
Our purpose is Helping Britain Prosper.
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Who we are
- About the Group
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Purpose and strategy
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Social housingChampioning social housing
Social housing is an integral part of the UK’s housing landscape.
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Brands
![A selection of Lloyds Banking Group brands]()
Our brandsOur brands
Lloyds Banking Group incorporates many household names.
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Environmental sustainability
![Building a sustainable and inclusive future]()
Download the report PDF, 14MB (opens in a new tab)Sustainability Report 2023
This report provides an update on our progress towards the Group's sustainability ambitions.
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Social sustainability
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Our partnershipCrisis
In 2023 we partnered with Crisis.
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Heritage
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Read the articleWho was Flora Murray?
As with all necessary struggles it’s often the actions of brilliant and tenacious individuals that create lasting change.
- Downloads
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Investors
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Annual report
![Helping Britain Prosper]()
Download the report PDF, 15MB (opens in new tab)Annual report
Disclosures relating to our strategic, financial, operational, environmental and social performance.
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Investor news
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Financial calendar Financial calendarFinancial calendar
See all the key dates in the financial year.
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Shareholder information
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Our investment caseWhy invest in Lloyds Banking Group?
Higher, more sustainable returns as we continue to Help Britain Prosper.
- ESG information
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Annual report
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News & insights
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Insights
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Read the articleA-Z: From Anxiety to Zero Way Out
It's the alphabet that no child should have to learn.
- Group news
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Insights
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Careers
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Roles and departments
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Search for jobsTech and data roles
If you want to bring your knowledge and skills to a truly transformative, widescale digital environment, we’d love to hear from you.
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Culture and inclusion
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Read Xinyi's storyMusic and master data strategy
Xinyi is pioneering master data strategy at the Group alongside her part-time role as a concert pianist.
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Brands
![A selection of Lloyds Banking Group brands]()
Our brandsOur brands
Lloyds Banking Group is best known for its portfolio of financial services brands.
- Benefits
- Learn and develop
- About applying
- Early careers
- Search jobs
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Roles and departments
- Search jobs
- Contact
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About the Group
About the Group collapsed
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Purpose and strategyOur purpose and strategy
Our purpose is Helping Britain Prosper.
-
Purpose and strategy
Purpose and strategy collapsed
![]()
Social housingChampioning social housing
Social housing is an integral part of the UK’s housing landscape.
-
Brands
Brands collapsed
![A selection of Lloyds Banking Group brands]()
Our brandsOur brands
Lloyds Banking Group incorporates many household names.
-
Environmental sustainability
Environmental sustainability collapsed
![Building a sustainable and inclusive future]()
Download the report PDF, 14MB (opens in a new tab)Sustainability Report 2023
This report provides an update on our progress towards the Group's sustainability ambitions.
-
Social sustainability
Social sustainability collapsed
![]()
Our partnershipCrisis
In 2023 we partnered with Crisis.
-
Heritage
Heritage collapsed
![]()
Read the articleWho was Flora Murray?
As with all necessary struggles it’s often the actions of brilliant and tenacious individuals that create lasting change.
- Downloads
-
Annual report
Annual report collapsed
![Helping Britain Prosper]()
Download the report PDF, 15MB (opens in new tab)Annual report
Disclosures relating to our strategic, financial, operational, environmental and social performance.
-
Investor news
Investor news collapsed
![]()
Financial calendar Financial calendarFinancial calendar
See all the key dates in the financial year.
-
Shareholder information
Shareholder information collapsed
![]()
Our investment caseWhy invest in Lloyds Banking Group?
Higher, more sustainable returns as we continue to Help Britain Prosper.
- ESG information
-
Insights
Insights collapsed
![]()
Read the articleA-Z: From Anxiety to Zero Way Out
It's the alphabet that no child should have to learn.
- Group news
-
Roles and departments
Roles and departments collapsed
![]()
Search for jobsTech and data roles
If you want to bring your knowledge and skills to a truly transformative, widescale digital environment, we’d love to hear from you.
-
Culture and inclusion
Culture and inclusion collapsed
![]()
Read Xinyi's storyMusic and master data strategy
Xinyi is pioneering master data strategy at the Group alongside her part-time role as a concert pianist.
-
Brands
Brands collapsed
![A selection of Lloyds Banking Group brands]()
Our brandsOur brands
Lloyds Banking Group is best known for its portfolio of financial services brands.
- Benefits
- Learn and develop
- About applying
- Early careers
- Search jobs
Supporting the UK housing market
We aspire to contribute to a UK in which all households have access to affordable, safe and sustainable homes in places they want to live.
Access to secure and quality housing is becoming increasingly challenging. We’re uniquely placed to enact change and want to explore the opportunities to increase access to the benefits of home ownership, including through shared ownership, supporting a quality rental and social housing sector, taking the building of housing that supports inclusive communities further, and increasing the availability of specialist housing.
We have supported more than £12 billion in funding to first time buyers in 2023.
Social housing is an integral part of the UK’s housing landscape with millions of people benefiting from stable and genuinely affordable homes. In 2023, we supported £2.7 billion of new funding to the social housing sector.
Our contribution to the housing market
£12bn+
funding to first time buyers in 2023
£10bn
of mortgage lending for EPC A and B rated properties by 2024
c.£17bn
funding provided to the social housing sector since 2018
Championing social housing
Social housing is an integral part of the UK’s housing landscape with millions of people benefiting from stable and genuinely affordable homes.
Lloyds Banking Group is the biggest supporter of social housing in the UK. We currently work with over 340 housing associations of all sizes.
Despite the construction of around 40,000 homes in 2021, there is still a chronic shortage of social housing in the UK. This is why we are committed to working with housebuilders to expand the availability of quality social housing across the UK.
Providing sustainable homes
UK homes currently account for 23% of the country’s total carbon emissions and 35% of energy use. At least 19m of the UK’s 29m homes still need to become low carbon, more energy efficient and more resilient to a changing climate.
We’re helping homeowners understand the impact their home has on the environment and we’re educating, encouraging and rewarding them to take action to improve it.
Making homes greener
While many people are concerned about their home’s carbon footprint and cost of high energy use, often they don’t know where to begin as they look to make their homes fit for a low-carbon future.
That’s why we have launched our Making Homes Greener hub – a source of information and guidance on how we can improve the energy efficiency of the UK’s housing stock.
Working with the housing industry, we’re providing green financing and sustainable investment products to clients across both private housebuilding and social housing sectors to help them on their journey to net zero.
Beyond investment products, we’re helping to shape national sustainability standards for housebuilding finance through our membership of the NextGeneration Executive Committee.
By supporting our customers to improve the energy efficiency of their homes, we’re able to make a big impact on reducing overall UK emissions on our path to net zero.
The Housebuilding Sustainability Finance Framework
Our new Framework sets out how the Group will support housebuilders to access finance to build more sustainable homes.
Our latest insights
As longstanding supporters of the social housing sector, our experts have unique insights into the challenges and opportunities the sector is facing.
Tackling the skills shortage in the UK property sector
6 December 2023 | Jessica Tomlinson
FInd out how the skills shortage in the housing sector is affecting the number of genuinely affordable properties being built.
The hidden cost of the housing crisis
The number of people experiencing homelessness in the UK is at an all-time high, with a staggering 240,000 households living in unsuitable temporary accommodation. We explore the social housing shortfall.
Chronic shortage of social housing leaves families stuck in harmful accommodation
17 September 2024 | Lloyds Banking Group
New research reveals the stark reality of waiting for a social home -with nearly three quarters of people trapped in unsuitable properties that are impacting their health.
Giving first-time buyers a boost
We’re launching new support to get more first-time buyers onto the property ladder.
What are the risks and benefits of buying a house with a friend or sibling?
Half of first-time buyers are now willing to consider “non-traditional routes” to be able to afford a home.
What is social housing?
Following our call alongside Crisis for one million more homes for social rent in the next decade, we answer some of the most prevalent questions about social housing and the role it plays in the UK housing market.
What’s next for the housing market in 2024?
Our housing expert Andrew Asaam explores what homeowners and renters might see in the market this year.
Why should housing associations retrofit older properties now?
How can social housing providers find the right balance between building new homes and retrofitting existing housing stock?
Decarbonising the UK's housing stock
Becky Heaton | 23 Nov 2023
Our new research focuses on the key barriers to decarbonisation, the incentives needed to drive progress and contains insight from people who have retrofitted their homes.
Is homelessness a housing problem?
21 August 2023 | David Cleary
Our Head of Housing explains why increasing access to social housing is essential to fixing Britain’s housing crisis.
Do renters need to save more for retirement than homeowners?
4 July 2023 | Pete Glancy
30% of people are now expected to rent in retirement – but in some areas, rents will cost 130% of people's retirement income.
Let’s end homelessness with homes
20 April 2023 | Charlie Nunn and Matt Downie
We've joined forces with Crisis and Simon Community, calling for one million more social homes to be built.
How can we fix the UK's cladding crisis?
25 Jan 2023 | Andrew Asaam
How we've taken steps to get the mortgage market on cladded flats moving again.
Other content you might be interested in
Our partnership with Crisis
We have partnered with Crisis, a UK national charity for people experiencing homelessness.
Together, we're calling for the UK to build 1 million more homes for social rent by 2030.
Decarbonising the UK’s homes: A housing stocktake, 2023
Our new research focuses on the key barriers to decarbonisation, the incentives needed to drive progress and contains insight from people who have retrofitted their homes.