Born in Nowra, Lloyd went to eight different schools in twelve years. He grew up on a dairy farm until he was seven. His father was a lumberjack and a dairy farmer, until he decided when I was six years old, to become a pastor like his father was before him. After Lloyd’s dad became a pastor, they moved to Queensland and then to New Zealand.
Prior to being a pastor, Lloyd was a builder. He went to Bible college when he was 22 and kept building to pay for his college fees. Lloyd finally started work as a pastor in 1990 and has been doing this for almost 27 years now.