Thanks for joining us from Wates Group
At L&C, we've been helping people with free, expert mortgage advice since 1999
Why choose our free, award-winning service?
- See real-time rates from across the market
- Find out how much you could borrow in minutes
- Track your application online 24/7
- Our entire service is fee free
- Expert advice on hand when you need it
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 Aon UK Limited. The commission L&C receives doesn't affect the product or rate recommended to you.
Not quite ready to remortgage yet?
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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
Exclusive offer - get a £50 voucher when your mortgage completes.* Home buyers also get free buyer's protection insurance worth £79.**
*Terms and conditions apply, you can find out about the voucher promotion here.
** Purchases in England and Wales only, full details of the buyer's protection insurance will be provided with your mortgage recommendation.
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
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The Personal Finance
Awards
Best Mortgage Broker
(40 advisers and over) 2025
Latest mortgage news
Inflation boost for borrowers
The Consumer Prices Index (CPI) measure of inflation remained at 2.8% in the 12 months to May, according to the Office for National Statistics, defying expectations that it would rise.
Self-employed? Get your mortgage paperwork in order
Self-employed workers could soon find it easier to take out a mortgage, under changes to lending rules currently being considered by the Financial Conduct Authority (FCA).
Buyer demand heats up after weather cools
Buyer demand has rebounded this month after a temporary slowdown caused by May’s record-breaking heatwave and the half-term school holiday, according to new analysis from property website Rightmove.
Lloyds launches new mortgage for first-time buyers with a £5,000 deposit
First-time buyers will have a wider choice of mortgage options to choose from following the launch of a new deal from Lloyds Banking Group aimed at helping those with a £5,000 deposit to get onto the property ladder.
Let us guide you
Check out our essential guides on all you need to know about the mortgage process.
How much deposit do I need?
When it comes to putting down a deposit to buy a property, the more you can save up, the better.
How much does it cost to buy a house?
Make no mistake about it - buying property is expensive, however modest your new home. A mortgage is not the only expense.
Do I need life insurance?
When it coms to putting down a deposit to buy a property, the more you can save up, the better.
What are the different types of mortgage?
With so many different mortgage deals to choose from, finding the right one for your individual circumstances can feel difficult to find.
