Mortgage guides
The subject of mortgages can feel complicated enough as it is. Trying to arrange one by yourself whilst juggling all your everyday demands can even feel rather daunting!
We also understand that there may be lots of questions you may have or things you feel you want to know more about.
We are here to help you and are happy to give you expert, fee-free advice at all stages of the journey - whether you're remortgaging, buying a new home or have a rental property.
And, in the meantime, if you'd rather do a little self-learning, or there's a question we can answer right here, we've also put together a range of mortgage guides for you to read if you have a spare 10 minutes. If there's something you need to know which we haven't covered in our guides, then just let us know! We'll either create a new guide for you or help you direct via email or phone.
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.
11 reasons you might not be able to get a mortgage for your home
If you’re looking to buy a home, then getting a mortgage in principle is your first step. However, when you’re looking at properties, there are some things that can make getting a mortgage very difficult. read on to see what you should avoid.
Freehold vs leasehold. What’s the difference?
When buying a property, it is important to know whether it is freehold or leasehold. This choice affects your rights as an owner, your responsibilities, and your long-term costs. Our guide will help you decide which property is best for you.
Buying a house: Getting a mortgage with a friend.
Thinking of getting a mortgage with a friend? It's a big step, so make sure you have all the information beforehand with our expert advice. Speak to L&C mortgage adviser today
How much will your mortgage cost?
Find out how much your mortgage could cost, including key factors like deposit, interest rates, and repayments. Speak to an expert adviser and get fee free mortgage advice from L&C
Life insurance and trusts
Our guide explains the basics of putting your life insurance policy in trust and what you should look out for.
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
When to remortgage
Use this mortgage guide to find out when the best time is to remortgage your 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.
What do I need for my mortgage application?
Use this mortgage guide to find out what you'll need to have ready for when you apply for a mortgage.
What does remortgage mean?
Use this mortgage guide to find out what remortgage actually means, and how it could benefit you.
What is a mortgage? – A first time buyers' guide
Taking out a mortgage for the first time can be daunting, especially with so many different deals to choose from.
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.
What is a Buy to Let mortgage?
Use this mortgage guide to find out what a buy to let mortgage is, and how one could benefit you.
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
What is critical illness cover?
Find out all about critical illness cover, how it works and help on whether you should take out a critical illness policy.
Check your mortgage options
See the deals you qualify for & how much you could borrow
