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Fixed-Rate Mortgages
Monthly payments guaranteed to stay the same for a set period of time.
Tell me moreFixed-Rate Mortgages - 5 Years
Monthly mortgage payments guaranteed to stay the same for 5 years.
Tell me moreFixed-Rate Mortgages - 10 Years
Monthly mortgage payments guaranteed to stay the same for 10 years.
Tell me moreTracker Mortgages
Monthly mortgage payments that usually track the Bank of England Base Rate.
Tell me more90% Mortgages
Pay 10% deposit and find a 90% loan to value deal that suits your circumstances.
Tell me more95% Mortgages
Pay 5% deposit and find a 95% loan to value deal that suits your circumstances.
Tell me moreInterest Only Mortgages
Only paying interest on your mortgage loan without reducing your overall balance.
Tell me moreOffset Mortgages
Reduce the overall interest you pay on your mortgage by using your savings.
Tell me moreStandard Variable Rates
Find out about the latest Standard Variable Rates changes for your lender.
Tell me moreMortgages in Principle
An initial agreement confirming how much you could be able to borrow.
Tell me moreShared Ownership Mortgage
Own a portion of your home and pay rent to a housing association on the rest.
Tell me moreShared Equity Mortgage
Get on the property ladder by combining a small deposit with an equity loan.
Tell me moreSwitch to a New Deal
Switching can mean better interest rates when your current deal ends.
Tell me moreSelf-employed Mortgages
Mortgages for the self-employed, including sole traders and company directors.
Tell me moreHoliday Let Mortgages
Designed for people looking to buy a property and let it out to tourists.
Tell me moreNew Build Mortgages
Mortgage options for people buying newly built or converted properties.
Tell me moreDirector Mortgages
Mortgages based on salary and dividends or retained profit for directors.
Tell me moreRetirement Interest Only Mortgages
Designed for older borrowers, allowing them to pay back the interest each month.
Tell me moreRight to Buy Mortgages
A UK Government scheme to help you purchase the home you currently rent.
Tell me moreFixed-Rate Mortgages
Monthly payments guaranteed to stay the same for a set period of time.
Tell me moreFixed-Rate Mortgages - 5 Years
Monthly mortgage payments guaranteed to stay the same for 5 years.
Tell me moreFixed-Rate Mortgages - 10 Years
Monthly mortgage payments guaranteed to stay the same for 10 years.
Tell me moreTracker Mortgages
Monthly mortgage payments that usually track the Bank of England Base Rate.
Tell me more90% Mortgages
Pay 10% deposit and find a 90% loan to value deal that suits your circumstances.
Tell me more95% Mortgages
Pay 5% deposit and find a 95% loan to value deal that suits your circumstances.
Tell me moreInterest Only Mortgages
Only paying interest on your mortgage loan without reducing your overall balance.
Tell me moreOffset Mortgages
Reduce the overall interest you pay on your mortgage by using your savings.
Tell me moreStandard Variable Rates
Find out about the latest Standard Variable Rates changes for your lender.
Tell me moreMortgages in Principle
An initial agreement confirming how much you could be able to borrow.
Tell me moreShared Ownership Mortgage
Own a portion of your home and pay rent to a housing association on the rest.
Tell me moreShared Equity Mortgage
Get on the property ladder by combining a small deposit with an equity loan.
Tell me moreSwitch to a New Deal
Switching can mean better interest rates when your current deal ends.
Tell me moreSelf-employed Mortgages
Mortgages for the self-employed, including sole traders and company directors.
Tell me moreHoliday Let Mortgages
Designed for people looking to buy a property and let it out to tourists.
Tell me moreNew Build Mortgages
Mortgage options for people buying newly built or converted properties.
Tell me moreDirector Mortgages
Mortgages based on salary and dividends or retained profit for directors.
Tell me moreRetirement Interest Only Mortgages
Designed for older borrowers, allowing them to pay back the interest each month.
Tell me moreRight to Buy Mortgages
A UK Government scheme to help you purchase the home you currently rent.
Tell me moreIf 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
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
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
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
As the UK’s No.1 online mortgage broker, we’ve made it easy for you to find your best mortgage in just a few simple steps. All you need to get started is to give us some basic information, which you can submit online using our Mortgage Finder, or in just a few minutes over the phone.
We’ll then search thousands of mortgages from trusted lenders on your behalf, to help you find the best deal you’re eligible for. And don’t forget, our mortgage advisers are on hand to provide you with all the free advice you need.
Once we’ve found the right deal for you and you’ve submitted your application, a dedicated case manager will support you through the mortgage process from start to finish, from form filling to chasing things up. You’ll be able to track your application online 24/7 or over the phone seven days a week.
As the UK’s No.1 online mortgage broker, we’ve made it easy for you to find your best mortgage in just a few simple steps. All you need to get started is to give us some basic information, which you can submit online using our Mortgage Finder, or in just a few minutes over the phone.
We’ll then search thousands of mortgages from trusted lenders on your behalf, to help you find the best deal you’re eligible for. And don’t forget, our mortgage advisers are on hand to provide you with all the free advice you need.
Once we’ve found the right deal for you and you’ve submitted your application, a dedicated case manager will support you through the mortgage process from start to finish, from form filling to chasing things up. You’ll be able to track your application online 24/7 or over the phone seven days a week.
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.
Choosing the right mortgage for you can be really tricky.
At L&C our expert advisers guide you through the process. Simple and efficient.
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