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Fee freemortgage advice
From the UK's best mortgage broker
Expert advice whatever your circumstances
Clear explanations that make things easier to understand
Trusted by over 1 million customers
Today’s best buy mortgages
Latest mortgage best buys
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Handy tools and calculators
Practical gadgets to help keep things simple
How can we do all this for free?
All brokers receive a payment from the lender when the mortgage completes. Other brokers charge customers a fee of between £250-£2,377*. With L&C, you really won’t pay a fee. No fee for our advice and no fee for our service. Nothing.
Many mortgage brokers charge a fee.
Fee: £250 - £2,377*
All mortgage brokers are paid by the lender
Fee £0
How mortgage brokers are paid
*Based on 1% of our typical loan amount as of June 2025
Don’t pay extra
You’ll pay no more applying through us than you would going directly to the lender on the same deal – but we’ll also handle the entire process for you from application right through to completion.
And, if a better deal becomes available before you complete, we can swap you on to it if it's a better one for you.
Benefit from exclusive deals
We sometimes have exclusive deals not available directly from the lender so you may be able to save more money.
We’ve got a proven track record
It’s an approach that’s proved itself to work time and time again – in fact, we’ve won over 220 industry awards for our services.
Celebrating 1 million
mortgage stories
1 million mortgage applications means 1 million stories...
Hear from some of the people we've helped below.
Latest mortgage news
Inflation jumps to 3.3% in March
The UK’s main measure of inflation, the Consumer Prices Index (CPI), rose to 3.3% in the year to March, according to the Office for National Statistics, up from 3% in February.
Lenders to get in touch with 1.6 million borrowers as deals end
Lenders must proactively contact around 1.6 million mortgage customers whose fixed rate deals are expiring in 2026, setting out their options and explaining any support that might be available.
Inflation stays at 3% in February, but is it the calm before the storm?
Inflation held steady at 3% in the 12 months to February, providing a brief sense of stability in an otherwise volatile economic environment.
Rates held at 3.75% in March
The Bank of England’s Monetary Policy Committee voted unanimously to leave the base rate unchanged at 3.75% in March, due to ongoing economic uncertainty caused by conflict in the Middle East.
