You can be regenerate without being baptized with the Holy Ghost.
Sermon #1082
The teaching which tells us that every man at his regeneration is baptized of necessity with the Holy Ghost is a contradiction of the plain teaching of the Scripture.
Lloyd-Jones Sermon #1082
Here is the first principle . . . I am asserting that you can be a believer, that you can have the Holy Spirit dwelling in you, and still not be baptized with the Holy Spirit. . . . And I am suggesting that this is something which is therefore obviously distinct from and separate from becoming a Christian, being regenerate, having the Holy Spirit dwelling within you.
Lloyd-Jones, Joy Unspeakable p. 21, 23
Those people who say that [baptism with the Holy Spirit] happens to everybody at regeneration seem to me not only to be denying the New Testament but to be definitely quenching the Spirit.
Joy Unspeakable p. 141
Spiritual Gifts are for Today
It is perfectly clear that in New Testament times, the gospel was authenticated in this way by signs, wonders and miracles of various characters and descriptions. . . . Was it only meant to be true of the early church? . . . The Scriptures never anywhere say that these things were only temporary — never! There is no such statement anywhere.
Lloyd-Jones, The Sovereign Spirit p. 31-32
I think it is quite without scriptural warrant to say that all these gifts ended with the apostles or the Apostolic Era. I believe there have been undoubted miracles since then.
Joy Unspeakable p. 246
Guidance from the Holy Spirit
there is no question but that God’s people can look for and expect “leadings”, “guidance”, indications of what they are meant to do. . . . Men have been told by the Holy Spirit to do something; they knew it was the Holy Spirit speaking to them; and it transpired that it obviously was his leading. It seems clear to me that if we deny such a possibility we are again guilty of quenching the Spirit.
The Sovereign Spirit p. 89-90
Bethel Cornerstone 