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MORTGAGE PRODUCTS

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Types of Mortgage
First time buyers
Remortgages
Specialist mortgages
Buy to Let

What are my

MORTGAGE OPTIONS?

Fixed rate mortgages

If having total certainty on your monthly repayments is important for you, a fixed rate mortgage may be your best choice. As the name suggests, with a fixed rate mortgage, the rate... READ MORE

Variable rate mortgages

If you would like to be able to take advantage of falling interest rates when they happen, and can withstand some uncertainty in your payments, a variable rate mortgage may be... READ MORE

90% and 95% mortgages

If you only have a 5% or 10% deposit to put down, you'll need a 95% or 90% mortgage. These higher Loan-to-Value (LTV) mortgages, which only require a small deposit... READ MORE

Offset mortgages

An offset mortgage allows you to use your savings to help reduce the amount of interest you pay on your mortgage, which could help you save money in the long run, or may allow... READ MORE

WHY CHOOSE L&C FOR
YOUR MORTGAGE?

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Considerations when applying for a mortgage

When you apply for a mortgage, there are several things to be aware of that might boost your chances of being accepted, or that could help you get a better deal.

A good starting point is to get a copy of your credit report, as lenders will look at this when processing your application so that they can see whether you’ve managed debts responsibly in the past. If your score is lower than you were expecting, you might be able to boost it by closing down any unused credit accounts and making sure you’re on the electoral roll.

Bear in mind that the bigger the deposit you can afford to put down, the wider the choice of mortgage options you’ll have available to you. Lenders tend to offer favourable rates if you have a substantial deposit or a significant amount of equity if remortgaging as they’ll consider you lower risk than someone with a small deposit.

Mortgage FAQs

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Do I need a deposit?
How many times my salary can I borrow for a mortgage?
What mortgage can I qualify for?
How long does a mortgage application take?
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What’s a repayment mortgage?

Confused by the options?

Choosing the right mortgage for you can be really tricky.

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