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Yet another reason to come to L&C for your mortgage

See how much our Rate Check service has saved customers this year

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14560181.34
333878.52
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Free advice on the best deal for you today

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Secure the best deal now

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Switch & save on a better deal if rates change†

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See today’s 
mortgage rates

Use our handy online calculators

How can we do this for free?

Get a mortgage in principle

Fee free since 1999

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-£3,272*. With L&C, you really won’t pay a fee. No fee for our advice and no fee for our service. Nothing.

How mortgage brokers are paid

Many mortgage brokers charge a fee.

Fee: £250 - £3,272*

All mortgage brokers are paid by the lender

Fee £0

*Based on 1.5% of our typical loan amount as of April 2024

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 160 industry awards for our services.

Leading the way...fee free.

Today's best buy mortgages

Latest mortgage best buys

Based on a mortgage of £125,000 at 50% LTV
Provider
Details
Initial rate
Overall cost for comparison
Fixed for 5 years
X%
then X% (variable)
X% APRC
Learn more
Fixed for 5 years
X%
then X% (variable)
X% APRC
Learn more
Fixed for 5 years
X%
then X% (variable)
X% APRC
Learn more
See all mortgage best buys

Latest Buy to Let mortgage best buys

Based on a mortgage of £125,000 at 50% LTV
Provider
Details
Initial rate
Overall cost for comparison
Fixed for 5 years
X%
then X% (variable)
X% APRC
Learn more
Fixed for 5 years
X%
then X% (variable)
X% APRC
Learn more
Fixed for 5 years
X%
then X% (variable)
X% APRC
Learn more
See all Buy to Let mortgage best buys
The best things in life are free

Handy tools and calculators

Practical gadgets to help keep things simple

See all calculators
Select a calculator
How much can I borrow?
What will my monthly mortgage repayments be?
Should I change mortgage provider?
How much is my house worth?

See how much you can borrow on a mortgage

£
We've calculated this from our average customer
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We've left this blank, but add in your partners income if relevant
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Enter the values above to calculate how much you can borrow

Your results
You could borrow up to:
Up to £X

About your borrowing ability

Calculating exactly how much you can borrow depends on a number of things, such as:

  • How much you spend each month on regular commitments
  • Whether you're paid a basic salary, a basic salary plus bonus, commission or overtimeIf you're self employed
  • The amount of deposit you have
  • Your age and whether you are looking to borrow beyond your retirement date

One of the most important factors in determining how much you can borrow is the lender. Each lender has different criteria and as brokers who, last year successfully placed mortgages with 59 different lenders, we are perfectly placed to match the right lender to your borrowing requirements.

What if I need to borrow more?

Sometimes it can be possible to borrow more than the calculator on our website shows you and that's where our expertise comes in. We are sometimes able to arrange higher borrowing by taking your own individual circumstances into account.

* All potential borrowing is subject to affordability checks and credit status

Next see the deals you qualify for

What will my monthly mortgage repayments be?

£
This value has been customised for you
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yrs
Loans are typically over 25 years, so we've defaulted to that for you
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This value has been customised for you
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Enter the values above to calculate how much your mortgage will cost

Your results
Your monthly payment will be:
£X
Assuming interest rates stay the same
The total amount you will pay over the term is:
£X
Made up of £X capital and £X interest.
Next see the deals you qualify for

Calculate the cost of doing nothing

If you're one of the many borrowers currently on or about to slip onto a lender's standard variable rate (SVR), it could cost you thousands. Fill in some basic details below and we'll show you what the cost could be.
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This is typically what you might revert to if your initial deal has ended
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£
Tell us what you think your property is worth
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yrs
Loans are typically over 25 years, so we've defaulted to that for you
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Your results
Your mortgage could be costing you an extra:
£XX a month /
£XX a year
Payments on follow-on rate:
Around £XX a month
Payments if you switch:
Around £XX a month

From the basic information you've given us, it looks like you might be on the best rate. But there's so much we don't know about your circumstances yet, that might not be accurate.

To find out what your mortgage options are, and to get a better idea of any potential saving you could make by switching deals, head to our Mortgage Finder.

Use our mortgage finder
Next see the deals you qualify for

How much is my house worth?

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Enter the values above to calculate how much your property is worth

Your results
Property value:
£X
An upper value of £X and a lower value of £X is likely.
Expert. Honest. Free.

Latest mortgage news

View all mortgage news

Interest rates held at 4.25% in June

The Bank of England’s Monetary Policy Committee has voted 6-3 to keep the base rate unchanged at 4.25% in June, amid ongoing economic uncertainty and persistent inflationary pressures.

June 19, 2025

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Yorkshire extends mortgage options for first-time buyers

Yorkshire Building Society and Accord Mortgages, Yorkshire’s intermediary arm, have boosted the number of mortgage options available to first-time buyers.

June 19, 2025

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House prices fall in May following Stamp Duty changes

Average UK house prices fell by -0.4% in May, according to Halifax’s latest House Price Index, after changes to Stamp Duty came to effect in April.

June 10, 2025

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Landlords could be missing out on cheaper green mortgages rates

Landlords who’ve improved the energy efficiency of their properties could be paying more for their mortgages than they need to, due to failing to take advantage of preferential green mortgage rates.

June 4, 2025

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