Moving home guides

Moving home is exciting but can feel a little overwhelming when you’re trying to keep everything on track. That’s why we've created expert, fee-free advice guides for every aspect of moving home. From looking for a new mortgage to planning your move, we’ve got you covered.

Categories

What is own new rate reducer?

Find out how the Own New Rate Reducer scheme works and if it could help you get on the property ladder

First Time Buyer

Moving Home

What are Let to Buy mortgages and how do they work?

Want to find out how Let to Buy works? Our guide explains everything you need to know, to help you decide whether letting out your current home to buy a new property is the right option for you.

Buy To Let

Moving Home

Remortgage

What is APRC?

APRC stands for Annual Percentage Rate of Charge. APRC tells you how much your mortgage will cost you each year, assuming you kept it for its full term.

Buy To Let

First Time Buyer

Moving Home

Remortgage

What is an Energy Performance Certificate?

EPCs were introduced in 2007 and are valid for 10 years from the date of issue. You’re legally required to have one if you’re planning to sell your home or let out a property. Here, we explain exactly how they work, and how to go about getting one. What is an EPC rating and what does it mean? Properties are rated

Buy To Let

First Time Buyer

Moving Home

Who’s who when buying a home?

If you’re new to the home buying process, you may be confused about who does what. This helpful guide makes it clear who does what in the buying process.

First Time Buyer

Moving Home

Buying a property through a limited company - how does the conveyancing process work?

Buying a property through a limited company can be a complex procedure and involves a lengthier conveyancing process. Read more in our guide

Buy To Let

Moving Home

Buying a property with a gifted deposit - how does the conveyancing process work?

If you're planning on buying your first home using a gifted deposit from family or friends then read our guide to find out more about the legal process

First Time Buyer

Moving Home

Buying a property - how does the conveyancing process work?

Conveyancing is an essential part of buying a property, so it's really important to understand the process. You can read more in our guide.

Buy To Let

First Time Buyer

Moving Home

Buying a leasehold property - how does the conveyancing process work?

If you're buying a leasehold property your conveyaning will need to go through a few extra steps. Read more about the legal process in our guide.

First Time Buyer

Moving Home

How long does it take to get a mortgage?

L&C explains how long a mortgage application takes, how long you can expect to wait for yours and what you can do to speed up the process.

Buy To Let

First Time Buyer

Moving Home

Remortgage

The cost of buying a house

Use this mortgage guide to find out about the costs of buying a house.

Conveyancing

First Time Buyer

House Prices

Moving Home

Stamp Duty

Japanese Knotweed: What is it and will it affect your mortgage?

Japanese knotweed, the invasive plant that often plagues our gardens, can be a major headache for anyone buying or selling a property, but there is help available if you know where to look.

Buy To Let

First Time Buyer

Moving Home

Remortgage

What is a tracker mortgage?

Is a tracker mortgage the right option for you? Find out everything you need to know about tracker mortgages here.

Buy To Let

Fixed Rate

First Time Buyer

Moving Home

Remortgage

Securing a mortgage on a temporary contract

If you’re employed on a temporary contract, don’t assume you won’t be able to get a mortgage.

Moving Home

Remortgage

What is an interest-only mortgage?

Find out how an interest-only mortgage works and whether it is the right option for you

Product Types

Moving Home

Remortgage

What is a fixed rate mortgage?

Looking to see if a fixed rate mortgage is right for you? Here we discuss the options available as well as the benefits and drawbacks of fixed rate mortgages

Buy To Let

Fixed Rate

First Time Buyer

Moving Home

Remortgage

What are solicitors searches when buying a house?

Solicitor property searches are an important stage of the mortgage process. This guide will help you understand how conveyancing works.

Conveyancing

First Time Buyer

Moving Home

How to prepare for a new mortgage application

Preparing your paperwork in advance will help speed up the process of your mortgage application. This guide will take you through all the necessary steps to help get you organised.

First Time Buyer

Moving Home

How much deposit do I need to buy a house?

Use this mortgage guide to find out all about deposits, including how much you're likely to have to save for a mortgage.

Conveyancing

First Time Buyer

Moving Home

Stamp Duty

Tax

Joint mortgages – How do they work?

Find out everything you need to know about joint mortgages, including taking out a joint mortgage with your parents or friends, how much you can borrow and what happens in the event of separation.

First Time Buyer

Moving Home

Remortgage

Stamp Duty

Mortgage Broker Fees

L&C is a fee free mortgage broker, meaning we’re paid by the lender and not by you. However, some brokers do charge. Our guide explains more.

Buy To Let

First Time Buyer

Moving Home

Remortgage

Porting mortgages: can I transfer my mortgage when I move?

If you’re wondering how to move home and take your mortgage with you, discover the pros and cons of a mortgage transfer with L&C Mortgages.

Moving Home

How mortgages work - A step by step guide

New to the world of mortgages? There's a lot to learn in a short space of time. Use this guide to help you understand the basics of how mortgages work.

First Time Buyer

Moving Home

What are Shared Ownership mortgages and how do they work?

Looking to find out what a Shared Ownership mortgage is? This L&C guide answers all your important questions.

First Time Buyer

Moving Home

Government schemes for first time buyers

Find out all you need to know about the government schemes available for first time buyers in the UK.

First Time Buyer

Moving Home

Check your mortgage options

See the deals you qualify for & how much you could borrow

Get started online

Categories

What is own new rate reducer?

What are Let to Buy mortgages and how do they work?

What is APRC?

What is an Energy Performance Certificate?

Who’s who when buying a home?

Buying a property through a limited company - how does the conveyancing process work?

Buying a property with a gifted deposit - how does the conveyancing process work?

Buying a property - how does the conveyancing process work?

Buying a leasehold property - how does the conveyancing process work?

How long does it take to get a mortgage?

The cost of buying a house

Japanese Knotweed: What is it and will it affect your mortgage?

What is a tracker mortgage?

Securing a mortgage on a temporary contract

What is an interest-only mortgage?

What is a fixed rate mortgage?

What are solicitors searches when buying a house?

How to prepare for a new mortgage application

How much deposit do I need to buy a house?

Joint mortgages – How do they work?

Mortgage Broker Fees

Porting mortgages: can I transfer my mortgage when I move?

How mortgages work - A step by step guide

What are Shared Ownership mortgages and how do they work?

Government schemes for first time buyers

Check your mortgage options

Which best describes you?