When compiling our best buy tables we choose the best mortgage deals from across the UK market, including deals that are exclusive to us. It's important to remember that the best mortgage deals are not necessarily about getting the lowest mortgage rate possible, you also need to take into account all the fees and charges associated in setting up your new mortgage deal.
By choosing L&C to find your next mortgage deal our advisers will research the market for you, looking at criteria,
set up fees and the rate to get the best mortgage deal for your circumstances, saving you time and effort.
Our best buy tables below show you the pick of the mortgage deals currently available, both fixed rates and variable rates, whether you are looking to purchase or remortgage.
Comparing mortgages isn’t easy. Sometimes deals look attractive because they have a low initial rate, but you also need to take into account
any fees that come with the mortgage deal. We recommend annual cost as the best way to see which mortgage deal offers
the best value for the size of mortgage you’re looking to take.
This is how we calculate the annual cost:
By comparing mortgage deals looking at annual cost you can see which one would be cheapest for you taking into account fees as well as the interest rate. The annual cost only applies to the initial deal as its always best to consider switching once the initial deal is over to see if you could save money.