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Atom / Gender Pay Gap Table

2023/242024/25
MeanMedianMeanMedian
Pay gap21.1%13.7%21.9%20.2%
Bonus gap64.3%75.9%62.8%79.2%
Difference between men and women

Atom / Gender Pay Gap Slide

Lower quartile, female 44%, male 56%

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Atom / Complaints Table 1

Number of complaints opened by volume of

Product/service group

Provision (at reporting period end date)

Intermediation (within the reporting period)

Number of complaints opened

Number of complaints closed

% closed within 3 days

% closed > 3 days but < 8 weeks

% upheld

Main cause of complaints

Banking & credit cards

Home finance

Insurance and pure protection

Decumulation and pensions

Investments

Credit related

Claims management

Funeral plans

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

16.32

4.51

n/a

n/a

n/a

n/a

n/a

n/a

597

47

n/a

n/a

n/a

n/a

n/a

n/a

605

46

n/a

n/a

n/a

n/a

n/a

n/a

18%

13%

n/a

n/a

n/a

n/a

n/a

n/a

82%

85%

n/a

n/a

n/a

n/a

n/a

n/a

64%

59%

n/a

n/a

n/a

n/a

n/a

n/a

General admin/customer service

Errors/not following instructions

n/a

n/a

n/a

n/a

n/a

Atom / Complaints Table 2

Number of complaints opened by volume of

Product/service group

Provision (at reporting period end date)

Intermediation (within the reporting period)

Number of complaints opened

Number of complaints closed

% closed within 3 days

% closed > 3 days but < 8 weeks

% upheld

Main cause of complaints

Banking & credit cards

Home finance

Insurance and pure protection

Decumulation and pensions

Investments

Credit related

Claims management

Funeral plans

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

585

48

n/a

n/a

n/a

n/a

n/a

n/a

574

46

n/a

n/a

n/a

n/a

n/a

n/a

24%

15%

n/a

n/a

n/a

n/a

n/a

n/a

76%

85%

n/a

n/a

n/a

n/a

n/a

n/a

69%

52%

n/a

n/a

n/a

n/a

n/a

n/a

General admin/customer service

Errors/not following instructions

n/a

n/a

n/a

n/a

n/a

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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 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.

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 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 rent should I charge?

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

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.

How much life cover do I need?

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

What is my BMI?

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

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.

Offset v Savings

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

Molecule / CMS List / Awards

2025 - present

2026

Cover Women in Protection Awards 2026

Outstanding Contribution to DEI

2026

Cover Women in Protection Awards 2026

Outstanding Initiative of Support

2026

Cover Women in Protection Awards

Diversity, Equity and Inclusion Champion of the Year

2026

MoneyAge Mortgage Awards

Overall Broker of the Year

2026

MoneyAge Mortgage Awards

Broker Firm of the Year (51+ advisers)

2025

Mortgage Introducer Awards

Rising Star (Broker or Distributor) -Ellen May

2025

Mortgage Introducer Awards

High Net Worth Broker of the Year

2025

Mortgage Introducer Awards

Broker Firm of the Year (51+ advisers)

2025

Protection Review Awards

Best Mortgage & Protection Intermediary –Highly Commended

2025

Protection Review Awards

Doing it Better Award

2025

Personal Finance Awards

Best Mortgage Broker (40 advisers and over)

2025

Mortgage Industry Marketing Awards

DE&I in marketing - highly commended

2025

Women's Recognition Awards

DE&I Equality Employer of the Year

2025

Women’s Recognition Awards

Equity, Diversity & Inclusion: Best Employee Support

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

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.

April 24, 2026

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.

April 1, 2026

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.

March 27, 2026

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Molecule / CMS List / Dynamic Guides

Buy to Let for HMOs

Buy to Let for Airbnb

What does Airbnb mean for your mortgage?

The basics of Buy to Let

Molecule / CMS List / Select Guides

No guides found

View all guides

Molecule / CMS SVR Table

Lender

Accord

Aldermore

Allied Irish

Atom Bank

Bank of Ireland

Barclays

Bath BS

Beverley

BM Solutions

Buckinghamshire

Cambridge

Chelsea

Chorley BS

Clydesdale

Co-op

Coventry

Cumberland

Darlington

Dudley

Earl Shilton

Ecology BS

Family BS

First Direct

Furness

Generation H

Halifax

Handlesbanken

Hanley Economic

Harpenden

Hinckley & Rugby

Hodge Lifetime

HSBC

Kent Reliance

Leeds

Leek United

Lloyds Bank

Loughborough BS

Mansfield

Market Harborough

Marsden

Melton Mowbray

Metro Bank

Monmouthshire

Mpowered

Nationwide

NatWest

Newbury

Newcastle

Nottingham

Paragon

Penrith

Principality

Saffron BS

Santander

Scottish BS

Scottish Widows

Skipton

Stafford Railway

Suffolk BS

Swansea

Teachers BS

The Mortgage Lender

The Mortgage Works

Tipton & Coseley

TSB

Vernon BS

Virgin Money

West Brom BS

Yorkshire BS

Previous SVR %

6.99

8.58

6.85

6.99

7.19

7.74

7.39

7.49

8.34

8.09

7.54

6.99

8.14

6.99

6.87

6.74

7.24

7.64

8.09

7.64

6.04

7.69

6.49

8.09

6.75

7.49

6.99

7.84

7.64

6.89

7.6

6.49

5.68

7.74

7.34

7.49

7.89

8.29

7.39

8.39

8.14

7.5

7.99

5.74

6.74

6.99

6.15

6.5

6.35

8.6

7.49

6.8

7.99

6.75

7.74

7.49

6.54

5.35

7.74

6.8

8.24

7

7.99

7.84

7.49

7.6

6.99

6.39

6.99

% Change

0.25

0.2

0.2

-

0.25

-

0.15

0.15

0.25

0.15

0.15

0.25

-

0.25

0.25

0.2

0.2

-

-

0.2

-

0.15

0.25

0.1

-

0.25

0.25

0.1

-

-

0.25

0.25

-

-

-

0.25

0.05

0.25

0.15

0.15

0.1

0.25

-

-

0.25

0.25

0.15

0.19

-

-

-

-

-

0.25

-

0.25

0.25

0.25

0.25

0.2

-

-

0.25

0.15

0.25

-

0.25

0.15

0.25

New SVR %

6.74

8.38

6.6

-

6.94

-

7.24

7.34

8.09

7.94

7.39

6.74

-

6.74

6.62

6.54

7.04

-

-

7.44

-

7.54

6.24

7.99

-

7.24

6.74

7.74

-

-

7.35

6.24

-

-

-

7.24

7.89

8.04

7.24

8.24

8.04

7.25

-

-

6.49

6.74

6

6.31

-

-

-

-

-

6.5

-

7.24

6.29

5.1

7.49

6.6

-

-

7.74

7.69

7.24

-

6.74

6.24

6.74

Molecule / CMS / Vacancies

New Build Mortgage & Protection Advisers

We’re delighted to announce the expansion of our dedicated New Build Team, and are as such currently looking for dynamic Qualified Mortgage and Protection Advisers, ambitious and hungry for leads, to come on board with delivering the best service to our vital partnered clients. With a start date of the 3rd August, there’s no New Build experience necessary, as we’ll give you all the knowledge you need to go forth and excel and build a fruitful career. If you’re feeling ready for a change and think this could be the role for you, don’t hesitate to apply and get in touch today!

CRO Manager

This is a fabulous chance to join a growing, fast-moving mortgage brokerage where data, creativity and customer experience go hand in hand. We’re looking for a commercially driven CRO Manager to lead optimisation across the full digital journey, from first click to ongoing customer retention. If you thrive on testing, insight-led decision making and delivering measurable impact within a dynamic, regulated environment, this is an exciting opportunity to shape the future of our digital performance strategy, and we’d love to hear from you!

Experienced Protection Adviser

Join L&C Mortgages and turn your expertise into impact. As the UK’s leading fee-free mortgage and protection broker, we’re offering Experienced Protection Advisers the chance to build a rewarding remote career with real momentum behind it. With a steady flow of high-quality leads, clear uncapped earning potential, and a business that’s growing fast, you’ll have everything you need to deliver meaningful advice, protect what matters most to clients, and take your career to the next level. Want to find out more? Get in touch today.

Trainee Protection Adviser

This is an exciting opportunity for any savvy salesperson eager to jump into financial services with our Trainee Protection Adviser role as we expand our brilliant team in Newcastle. From training and beyond, we’ll teach you everything you need to know from scratch, allowing you to flourish and develop a fruitful career. For every mortgage, there’s protection involved, so a vital role here at L&C. Our Protection Advisers help our customers secure themselves and their families, ultimately protecting them financially if things unfortunately go wrong. We’re looking for keen, organised sales savants with passionate people skills, able to build rapport and support our clients in obtaining the best products and policies matching their circumstances. If you think this could be the role for you, please do get in touch and find out more!

Molecule / Dialog

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

Molecule / Gender Pay Gap Slider

Lower quartile, female 43%, male 57%
Lower quartile, female 43%, male 57%
Lower quartile, female 43%, male 57%
Lower quartile, female 43%, male 57%

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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)
Fixed for 5 years
X%
then X% (variable)
Fixed for 5 years
X%
then X% (variable)
See all mortgage best buys

Sections

Section / Awards / Mortgages

L&C is an award-winning mortgage broker

We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice. Our dedication to providing our customers with a first class mortgage service has helped us win over 220 awards since 1999, more than any other mortgage broker. In fact we’ve won the most prestigious awards in our industry on numerous occasions. You can see them all in our awards gallery.

What Mortgage
Awards

Best Mortgage Broker
(40 advisers and over) 2025

Legal & General Business Quality Awards

Consumer Duty (Customer Outcomes/Data Precision) 2025

The Personal Finance
Awards

Best Mortgage Broker
(40 advisers and over) 2025

Section / Awards / Protection

L&C is an award-winning mortgage broker

Legal & General logo

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

Section / Best Buy Main

Compare 1000s of Buy to Let mortgage rates & deals

View today's best Buy to Let deals and find out if L&C could help save you time and money by switching to a better rate.

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Matching mortgages

Rates updated on <date>

Try sorting by annual cost

L&C annual cost

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:

  • We add up all the fees associated with the mortgage deal and deduct any cash back to find total fees
  • We then divide the total fees by the number of months the initial mortgage rate lasts to find the total fees per month
  • We add the total fees per month to your monthly mortgage payment and multiply by 12 to 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.

Provider

Who is lending the money and what sort of mortgage is it.

Details

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

Initial rate

The rate you will pay at the start of your mortgage.

Monthly repayments

Your monthly payment when your mortgage starts, based on the loan amount you entered.

Scheme fees

The total of the lender's booking, arrangement and valuation fees.

Annual cost

The annualised cost of this mortgage.

No matching products found
Try changing your filters or reducing your loan size
Max LTV X%: X% discount for X years
Fixed for 5 years
Initial rate
X%
Then X% (variable)
Monthly repayments
£X
Scheme fees
£X
Annual cost
£X
Early repayment charge: 
Max LTV X% ERC
Overall cost for comparison: X% APRC

APRC stands for Annual Percentage Rate of Charge. It shows you the total cost of a mortgage, including fees, over the entire term of the loan.

Continue online
Fees and charges
  • Booking fee
    £X
  • Arrangement fee
    £X
  • Valuation fee
    £X
  • Other fees
    £X
  • Cashback
    £X
Flexibility
  • Overpayment allowed?
    X% p/a
  • Early repayment charge:
    ERC Text
Fees and charges
  • Exit fee
    £X
  • Estimated legals
    Payable

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Section / Calculator List (Tabs)

Handy tools and calculators

Practical gadgets to help keep things simple

Select a calculator

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 another applicant's 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

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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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.

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

How much can I borrow on a Buy to Let mortgage?

£
Per month/per property - We've calculated this from our average customer
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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

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.

Loan to value ratio calculator

£
We've calculated this from our average customer
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£
This value has been customised for you
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Enter the values above to calculate your LTV

Your results
Your LTV:
X%
Loan amount:
£X
Deposit amount:
£X

Stamp duty calculator

£
We've calculated this from our average customer
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We've calculated this from our average customer
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Enter the values above to calculate how much stamp duty you will pay

Your results
Total stamp duty will be:
£X
The table below shows .you how this is broken down.
Range
Cost
You pay X% up to £X
£X
Total
£X

How much would making overpayments save me on my mortgage?

£
This value has been customised for you
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%
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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One off payments
£
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Regular overpayments
£
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Enter the values above to calculate how much your mortgage will cost

Your results
By making the overpayments above you would:
Pay £X less in interest
By making the overpayments above you would:
Reduce your mortgage term by X

What will happen if interest rates rise or fall?

£
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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%
We've defaulted to a value we think is realistic
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Enter the values above to calculate what will happen if interest rates rise or fall

Your results
Current Payment:
£X
New Payment:
£X

How much interest will I earn?

£
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%
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Enter the values above to see how much interest you will earn

Your results
Monthly Interest:
£X
Tax Rate:
X%

Our life insurance cost calculator

Find out how much over you need with our life insurance calculator.
About your family
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yrs
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About your liabilities
£
This value has been customised for you
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£
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About your income and assets
£
We’ve calculated this from our average customer
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£
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£
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£
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Enter the values above to see calculate how much life cover you require.

Your results
£X
The cover required to replace your income.
We’ve based this on 4 times your gross income, although the amount needed will depend on your circumstances.
£X
The cover required for supporting your children until they are 18.
The annual cost of supporting a child is £9760, according to the LV Cost of a Child report Jan 2015.
£X
The cover required for supporting your children through university.
The annual cost of supporting a child is £13345, according to the LV Cost of a Child report Jan 2015.
£X
The cover required for paying your rent or mortgage
The amount needed to repay your mortgage or to cover 4 years of rent payments based on the figures you entered.
£X
The cover required for covering your loans and credit cards.
The amount needed to repay your mortgage or to cover 4 years of rent payments based on the figures you entered.
£X
Take off your current assets.
We’ve deducted the amount of life cover, savings and assets you have currently.
£X
The minimum level of life insurance we think you should have.
We’ve deducted the amount of life cover, savings and assets you have currently.

How much should I save?

£
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£
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%
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How would you like to calculate?
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£
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yrs
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Enter the values above to calculate how much you need to save

Your results
The amount you would need to save per month:
£X
To reach your required amount it will take you:
X

Would an offset mortgage work for me?

£
This value has been customised for you
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%
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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£
Enter any set up fees
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Your savings
£
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%
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£
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The offset mortgage
%
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£
Enter any set up fees
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yrs
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Enter the values above to see how much your mortgage will cost.

Your results
Standard mortgage
On a standard mortgage, your monthly payment would be £X and you would pay £X in interest over the comparison term. You would also earn £X interest on your savings. The annual net interest cost is show in red of the graph.
Offset mortgage
On a offset mortgage, your monthly payment would be £X and you would pay £X in interest over the comparison term. The annual net interest cost is show in white of the graph.

Body Mass Index

cm
We've calculated this from our average customer
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kg
We've calculated this from our average customer
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Enter the values above to calculate your BMI

Your results
Your BMI is X

Compare two mortgage rates

Basic details
£
We've calculated this from our average customer
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£
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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Current rate
%
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£
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months
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%
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Do you have a repayment charge?
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£
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months
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Compare rate
%
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£
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months
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%
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months
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Enter the values above to compare two mortgages

Your results
Over 24 months your current rate will cost:
£X
The comparison rate will cost:
£X

What’s the likely rental income?

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Enter the values above to calculate how much rent to charge

Your results
Rental value:
£X
An upper value of £X and a lower value of £X is likely.

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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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Start your mortgage journey

Start your mortgage journey online and let your L&C mortgage adviser search 1000s of deals to find you the best fixed rate.

We'll check your mortgage affordability with 45 lenders

Fill out our quick, simple online form to get started

Get your mortgage in principle in minutes

Use our Mortgage Finder for a personalised quote

Our Mortgage Finder will show you how much you can borrow for a mortgage and what your monthly mortgage repayments might be. Then our Mortgage Finder’s unique mortgage affordability calculator will check over 45 lenders’ results and generate your mortgage in principle.

A mortgage in principle is a certificate indicating how much a lender is theoretically willing to lend you. It’s not a guarantee of a mortgage approval but it’s the initial step in the mortgage process.

This certificate is an indicator that if you pass a lender’s mortgage affordability checks, you might be able to buy a property up to the stated value. You’ll also be able to see what your monthly repayments could hypothetically cost.

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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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When it coms to putting down a deposit to buy a property

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Section / Mortgage Minder™

Mortgage Minder™

Your mortgage, perfectly timed

Timing is everything - get what you need, when you need it

Timely reminders for your mortgage deal end date

Stay informed with mortgage market insights

Fee free mortgage advice at the perfect time

Get reminded with the best deals from over 90 lenders

When does your current mortgage deal end?

Your existing mortgage deal is due to end in less than 6 months

No need for reminders, you can start looking for a new mortgage now! Find your next mortgage and book an appointment to speak to one of our mortgage experts - our service won’t cost you a penny.

Find my next mortgage

This will be the original loan amount you took for your mortgage not the amount left to pay. If you’re not sure of the exact amount, just give us a close estimate.

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This is the interest rate on your existing mortgage deal. If you’re not sure of the exact rate, just give us a close estimate.

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By providing your details today, you are signing up to the Mortgage Minder™ service from L&C and agree for L&C to remind you and let you know about your options when your current mortgage deal is due to end. We’ll contact you well in advance of your mortgage deal end date via email, SMS and telephone to ensure you have plenty of time to secure the best deal for your needs.

We take your privacy seriously. Read our policy here.

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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.

April 24, 2026
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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.

April 1, 2026
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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.

March 27, 2026

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Not quite ready to remortgage yet?

Sign up to our Mortgage MinderTM and we'll
let you know when it's time to renew.

Mortgage Minder™

Your mortgage, perfectly timed

Timing is everything - get what you need, when you need it

Timely reminders for your mortgage deal end date

Stay informed with mortgage market insights

Fee free mortgage advice at the perfect time

Get reminded with the best deals from over 95 lenders

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‘When our 1% fixed deal ended and rates were soaring, we were anxious about how much our monthly costs would rise. That’s when we turned to L&C and spoke with Brody Reakes. From the start, he was fantastic — calm, reassuring, and clear in explaining our options. Brody went above and beyond to secure us the best deal possible in a really tough market. Thanks to his support, we gained stability and peace of mind, knowing our home and future were protected. What could have been a stressful process became smooth and positive, and when it’s time to remortgage again, we’ll definitely be coming straight back to L&C.’
‘When our 1% fixed deal ended and rates were soaring, we were anxious about how much our monthly costs would rise. That’s when we turned to L&C and spoke with Brody Reakes. From the start, he was fantastic — calm, reassuring, and clear in explaining our options. Brody went above and beyond to secure us the best deal possible in a really tough market. Thanks to his support, we gained stability and peace of mind, knowing our home and future were protected. What could have been a stressful process became smooth and positive, and when it’s time to remortgage again, we’ll definitely be coming straight back to L&C.’
Matthew Haynes

Matthew Haynes

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