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.
What is an interest-only mortgage?
Find out how an interest-only mortgage works and whether it is the right option for you
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.
What credit score is needed to buy a house?
Your credit score is taken into account when taking out a mortgage, but there are other factors at play too. Find out more about credit scores & mortgages.
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.
Can I remortgage my home?
Use this mortgage guide to find out if you could remortgage your home.
Repayment or interest only buy to let mortgage?
What's best for landlords, a repayment or interest-only mortgage? Our guide looks at the pros and cons of both so you can see which option suits you.
What information do I need for my remortgage?
Read our guide for an explanation of what information you'll need when remortgaging
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.
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.
Porting a mortgage: 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 porting a mortgage with L&C Mortgages.
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.
What are the different types of mortgage?
Use this mortgage guide to find out about the different types of mortgages there are available.
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.
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.
How to get a mortgage
Use this mortgage guide to find out more about the process of getting a mortgage.
Questions to ask when buying a house
Use this mortgage guide to find out about the questions to ask when buying a house.
Check your mortgage options
See the deals you qualify for & how much you could borrow