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Calculate mortgage payments

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Difference between men and women
	2022/23		2023/24
	Mean	Median	Mean	Median
Pay gap	24.8%	13%	21.1%	13.7%
Bonus gap	71.1%	81.2%	64.3%	75.9%

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Mortgage calculator

Not sure how much you could borrow for a mortgage, or how much your monthly mortgage repayments are going to be?

How much can I borrow

How much will my mortgage payments be?

Find out what your mortgage is going to cost each month with our mortgage repayment calculator.

How much is my house worth?

Get an idea of the current value of your house when you use our house price estimate calculator.

House Price Calculator

Looking to remortgage?

The L&C remortgage calculator will help you see what you could save by switching to a new deal.

What will my loan to value percentage be?

Find out what your loan to value (LTV) percentage will be with our LTV calculator.

How long do I need to save?

How much can I borrow on a buy to let mortgage?

Thinking of buying a rental property? Find out what you can borrow with our buy to let mortgage calculator.

How much can I borrow?

How much rent should I charge?

Find out how much rent you could get for your property with our rental yield calculator.

Rent calculator

How much stamp duty will I pay?

Find out how much you’ll need to put aside for stamp duty with our stamp duty calculator.

Stamp duty calculator

How long do I need to save?

Use our savings calculator to calculate how long you need to save to hit your target.

How much interest will I earn?

Find out how much interest you’re likely to earn on your savings with our savings interest calculator.

Calculate Interest

How much life cover do I need?

Find out how much over you need with our life insurance calculator.

How much life cover do I need?

What is my BMI?

Use our handy BMI calculator to work out your body mass index.

Find out your BMI

How much can I save by making overpayments?

Use our mortgage overpayment calculator to calculate how much you can save when you pay extra on your mortgage.

Calculate overpayments

Offset v Savings

Work out if an offset mortgage could be of benefit to you with our offset mortgage calculator.

Offset v Savings

Molecule / CMS List / Awards

2025 - present

2025

Barclays Mortgage Intermediaries Summit and Awards

Trailblazer of the Year

2025

Barclays Mortgage Intermediaries Summit and Awards

Diversity Hero

2025

Barclays Mortgage Intermediaries Summit and Awards

Business Ally

2025

Barclays Mortgage Intermediaries Summit and Awards

Best Inclusive Culture

2025

British Mortgage Awards

Best Broker: Administrator

2025

British Mortgage Awards

Best Broker: Large Loan

2025

British Mortgage Awards

Best Broker: Rising Star

2025

Cover Women in Protection and Health Awards

DEI Champion - Highly Commended

2025

Cover Women in Protection and Health Awards

Rising Star

2025

Cover Women in Protection and Health Awards

Outstanding Initiative of Support

2025

Financial Reporter Awards

Mortgage Broker of the Year (50+ employees)

2025

L&G Business Quality Awards

Consumer Duty (Customer Outcomes/Data Precision)

2025

MoneyAge Mortgage Awards

Overall Broker of the Year

2025

Mortgage Strategy Awards

Best Mortgage Broker (more than 50 advisers)

2025

What Mortgage Awards

Best Mortgage Broker (40 advisers and over)

2025

What Mortgage Awards

Best Broker Website

Molecule / CMS List / Dynamic Insights

Would you pay £42,000 more to live near a station?

City homebuyers are prepared to pay an often-significant premium to live close to transport links, according to research carried out by Nationwide.

September 29, 2025

First-time buyers seek ‘forever homes’ over flats

First-time buyers are increasingly choosing to purchase houses rather than flats, in the hope that they can avoid the need to move again.

September 25, 2025

Interest rates held at 4% as inflation holds steady

The Bank of England’s Monetary Policy Committee voted by 7-2 to leave the base rate unchanged at 4% in September, as it continues to try to balance managing inflation and supporting economic growth.

September 18, 2025

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Divorce, mortgages and adding partners. What happens when your situation changes

If you’re going through a divorce or considering changes to your mortgage arrangements (for example, adding a partner), there are a lot of moving parts to sort out. Below is a guide that pulls together what happens to a mortgage during a divorce, how the division of assets works, and how adding or removing parties plays into this.

What is a mortgage?

Taking out a mortgage for the first time can be daunting, especially with so many different deals to choose from. Here, we explain how they work.

Advice for buying or selling your home

At L&C, we’ve helped almost a million people with their mortgages whether they’re buying their first home, moving house or selling up. One thing we see repeatedly is how important a good estate agent can be when it comes to a smooth sale or a successful offer.

But it’s not just about finding an estate agent. It’s about asking the right questions and knowing your options. That's why we’ve put together a few tips to help you get the most out of the process, from the mortgage side of things right through to dealing with agents and their add-on services.

Mortgage calculator

Not sure how much you could borrow for a mortgage, or how much your monthly mortgage repayments are going to be?

How much can I borrow

How much will my mortgage payments be?

Find out what your mortgage is going to cost each month with our mortgage repayment calculator.

Calculate mortgage payments

How much is my house worth?

Get an idea of the current value of your house when you use our house price estimate calculator.

House Price Calculator

Looking to remortgage?

The L&C remortgage calculator will help you see what you could save by switching to a new deal.

What will my loan to value percentage be?

Find out what your loan to value (LTV) percentage will be with our LTV calculator.

How long do I need to save?

How much can I borrow on a buy to let mortgage?

Thinking of buying a rental property? Find out what you can borrow with our buy to let mortgage calculator.

How much can I borrow?

How much rent should I charge?

Find out how much rent you could get for your property with our rental yield calculator.

Rent calculator

How much stamp duty will I pay?

Find out how much you’ll need to put aside for stamp duty with our stamp duty calculator.

Stamp duty calculator

How long do I need to save?

Use our savings calculator to calculate how long you need to save to hit your target.

How much interest will I earn?

Find out how much interest you’re likely to earn on your savings with our savings interest calculator.

Calculate Interest

How much life cover do I need?

Find out how much over you need with our life insurance calculator.

How much life cover do I need?

What is my BMI?

Use our handy BMI calculator to work out your body mass index.

Find out your BMI

How much can I save by making overpayments?

Use our mortgage overpayment calculator to calculate how much you can save when you pay extra on your mortgage.

Calculate overpayments

Offset v Savings

Work out if an offset mortgage could be of benefit to you with our offset mortgage calculator.

Offset v Savings

Molecule / CMS List / Select Guides

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Molecule / CMS List / Lenders

Bath Building Society

Beverley Building Society

Bluestone

Brown Shipley Private Bank

Buckinghamshire Building Society

CHL Mortgages

Cambridge Building Society

Coventry Building Society

Cumberland Building Society

Cynergy Bank

Darlington Building Society

Dudley Building Society

Earl Shilton Building Society

Ecology Building Society

Family Building Society

Fleet Mortgages

Foundation Home Loans

Harpenden Building Society

Hinckley & Rugby Building Society

Hodge

Investec Specialist Bank

Leeds Building Society

Leek Building Society

LendInvest

Livemore Capital

Loughborough Building Society

MPowered Mortgages

Mansfield Building Society

Market Harborough

Marsden Building Society

Melton Mowbray

Metro Bank

Molo Finance

Monmouthshire Building Society

NatWest

Nationwide Building Society

Ned Bank

Newbury Building Society

Newcastle Direct

Norton Homeloans

Nottingham Building Society

Paragon Mortgages

Penrith Building Society

Pepper Homeloans

Perenna

Post Office Mortgages

Precise Mortgages

Principality

Quantum Mortgages

Saffron Building Society

Santander

Scottish BS

Scottish Widows Bank PLC

Shawbrook Bank

Skipton Building Society

Stafford Railway BS

State Bank of India

Suffolk Building Society

Swansea Building Society

Weatherbys Private Bank

West Bromwich Building Society

West One

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Sections

Section / Awards / Mortgages

L&C is an award-winning mortgage broker

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What Mortgage
Awards

Best mortgage broker 2025

Legal & General Business Quality Awards

Outstanding customer service outcome (51+ employees) 2022

The Personal Finance
Awards

Best mortgage broker (40 advisors and over) 2023

Section / Awards / Protection

L&C is an award-winning mortgage broker

Legal & General Business Quality Awards

Outstanding customer service outcome (51+ employees) 2022

Protection Guru

Best Training Initiative Award 2023

Protection Guru

Best Protection Support Group 2024

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A standout 3-year fixed deal, just for L&C customers.*
See if you qualify below.

*Subject to change and elegibility

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Section / Disclaimer / Partner Page 1

Important notice

If you complete on a mortgage through L&C, L&C will be paid a commission by the chosen lender. L&C will share a percentage of this commission with the referring third party. The commission L&C receives doesn't affect the product or rate recommended to you.

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Fee free since 1999

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Explore our mortgage products

View the range of mortgage types and find the right option for you.

Fixed rate mortgages

Monthly payments guaranteed to stay the same for a set period of time.

Fixed rate mortgages - 5 years

Monthly mortgage payments guaranteed to stay the same for 5 years.

Fixed rate mortgages - 10 years

Monthly mortgage payments guaranteed to stay the same for 10 years.

Tracker mortgages

Monthly mortgage payments that track the Bank of England Base Rate.

Variable rate mortgages

Explore all the different types of variable rate mortgages.

90% mortgages

Pay 10% deposit and find a 90% loan to value deal that suits your circumstances.

95% mortgages

Pay 5% deposit and find a 95% loan to value deal that suits your circumstances.

Interest-only mortgages

Only paying interest on your mortgage loan without reducing your overall balance.

Joint mortgages

Get a mortgage on a property with your partner, friend, or relative.

Offset mortgages

Reduce the overall interest you pay on your mortgage by using your savings.

Standard variable rates

Find out about the latest Standard Variable Rates changes for your lender.

Green mortgages

Find out about options for energy-efficient homes.

High net worth mortgages

Explore the options if you're looking for a large mortgage loan.

Mortgage in principle

An initial agreement confirming how much you could be able to borrow.

Shared Ownership mortgage

Own a portion of your home and pay rent to a housing association on the rest.

Shared Equity mortgage

Get on the property ladder by combining a small deposit with an equity loan.

Switch to a new deal

Switching can mean better interest rates when your current deal ends.

High net worth mortgages

Explore the options if you're looking for a large mortgage loan

High net worth mortgages

Explore the options if you're looking for a large mortgage loan.

Let to Buy mortgages

Rent out your current property and buy a new home to live in.

Holiday Let mortgages

Designed for people looking to buy a property and let it out to tourists.

New build mortgages

Mortgage options for people buying newly built or converted properties.

Contractor mortgages

Specialist mortgages for people working on short term contracts.

Director mortgages

Mortgages based on salary and dividends or retained profit for directors.

Guarantor mortgages

Secure a mortgage with the help of a family member.

Retirement interest-only mortgages

Designed for older borrowers, allowing them to pay back the interest each month.

Right to Buy mortgages

A UK Government scheme to help you purchase the home you currently rent.

Self-employed mortgages

Mortgages for the self-employed, including sole traders and company directors.

Development finance

Finance for the building or substantial refurbishment of property.

Commercial mortgages

Mortgages for offices, retail spaces, warehouses and other commercial premises.

Bridging loans

Quick access to a funding for a variety of different scenarios.

Second charge mortgages

Access equity in your home whilst leaving your current mortgage in place.

Buy to Let remortgages

Remortgage your existing Buy to Let to a better deal.

Buy to Let interest-only

Interest -only mortgages for Buy to Let investors and landlords.

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