Though William Lovelock was born in London, his family were originally of Berkshire extraction and two of his great-uncles had emigrated to Australia in the 19th century, long before he did. He was educated at Emanuel School, Wandsworth, and started piano lessons at the age of six and organ lessons at twelve. At the age of sixteen, he won an organ scholarship to the Trinity College of Music, where he studied with C. W. Pearce and Henry Geehl. After service as an artilleryman in World War I, he returned to Trinity College and graduated with a Bachelor of Music degree in 1922. He then joined the teaching staff and later obtained a doctorate in composition in 1932. As an organist, he served at St. Clements in Eastcheap from 1919 to 1923, then as Kapellmeister to Countess Cowdray from 1923 to 1926. He was also organist at the Church of the Good Shepherd in Carshalton from 1928 to 1930.