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Find the right mortgage  for your home move

Moving house is exciting, but getting the right mortgage can be a worry. Even if you've moved before, understanding your options is key to getting the right deal.

At L&C, we've got you covered. From finding a new mortgage to porting your current one, our expert mortgage advisers are here to help you make smart choices and find a mortgage solution that works for you.

Combined with our simple, easy-to-use mortgage comparison tools, you’ll know that you’re getting the best deal for your specific circumstances.

Oh, and all our advice is completely fee free.

Our moving home mortgage comparison tool

We compare the best mortgage rates from across the UK market, including deals that are exclusive to us. It's important to remember that the best mortgage deals are not necessarily the ones with the lowest interest rate, as any fees and charges associated with your new mortgage deal can affect the overall price.

‍

Our moving home mortgage comparison tool

If you'd like to take a mortgage on a property that's currently mortgage free (unencumbered) or you'd like to raise extra funds, e.g. for home improvements, please select 'I want to remortgage to a better deal'.

Are you buying a new home or remortgaging  your current one?
Are you buying your first home?
Do you live in the property or let it out?
Will you live in the property or let it out?
What stage are you at?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

£
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This is the total amount you have to put towards the purchase of your new property.

£
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With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
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A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?
What stage are you at?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

£
Error message

This is the total amount you have to put towards the purchase of your new property.

£
Error message

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
Error message

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?
What stage are you at?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

£
Error message

This is the total amount you have to put towards the purchase of your new property.

£
Error message

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
Error message

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?
What stage are you at?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

£
Error message

This is the total amount you have to put towards the purchase of your new property.

£
Error message

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
Error message

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?

If you aren't sure when your current mortgage deal ends, no problem. Let us know when you're planning to remortgage and we'll make sure you get the right support.

When are you planning to remortgage?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply so it’s important not to overestimate.

£
Error message

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
Error message

LTV is Loan to Value. This is the amount of your mortgage as a percentage of the value of your property and will help determine the deals available to you.

£
Error message

If you'd like to borrow more than your current mortgage amount, e.g. for home improvements, debt consolidation etc, or you don't currently have a mortgage on this property, please answer 'Borrow more'.

If you'd like to reduce your current mortgage balance select 'Borrow less'.

If you want to increase or reduce your overall mortgage term or change to repayment, interest-only or part and part, select 'Change my term and/or repayment type'.

Do you want to make any changes to your mortgage? I want to…
Error message

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?

If you aren't sure when your current mortgage deal ends, no problem. Let us know when you're planning to remortgage and we'll make sure you get the right support.

When are you planning to remortgage?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply so it’s important not to overestimate.

£
Error message

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
Error message

LTV is Loan to Value. This is the amount of your mortgage as a percentage of the value of your property and will help determine the deals available to you.

£
Error message

If you'd like to borrow more than your current mortgage amount, e.g. for home improvements, debt consolidation etc, or you don't currently have a mortgage on this property, please answer 'Borrow more'.

If you'd like to reduce your current mortgage balance select 'Borrow less'.

If you want to increase or reduce your overall mortgage term or change to repayment, interest-only or part and part, select 'Change my term and/or repayment type'.

Do you want to make any changes to your mortgage? I want to…
Error message

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?
Your mortgage summary

Looks like you want to borrow £225,000 over
20 years. With a 5 year fixed rate repayment mortgage.

Great news. We’ve found X mortgage products from X different lenders. Click below to see your results.

Didn’t see any matching rates? Don’t worry, we may still be able to help. Give us a call on 0800 953 0590 and our advisers can explore your options to find the right mortgage for you.

‍

Sort and filter through the latest deals with L&C's Mortgage Finder
Mortgage Finder
summary
Looks like you want to borrow £X over X years.

We’ve found X deals starting from X%

Mortgage Finder
Review your answers

If you'd like to take a mortgage on a property that's currently mortgage free (unencumbered) or you'd like to raise extra funds, e.g. for home improvements, please select 'I want to remortgage to a better deal'.

Are you buying a new home or remortgaging  your current one?
Are you buying your first home?
Do you live in the property or let it out?
Will you live in the property or let it out?
What stage are you at?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

£
Error message

This is the total amount you have to put towards the purchase of your new property.

£
Error message

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
Error message

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?
What stage are you at?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

£
Error message

This is the total amount you have to put towards the purchase of your new property.

£
Error message

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
Error message

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?
What stage are you at?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

£
Error message

This is the total amount you have to put towards the purchase of your new property.

£
Error message

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
Error message

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?
What stage are you at?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

£
Error message

This is the total amount you have to put towards the purchase of your new property.

£
Error message

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
Error message

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?

If you aren't sure when your current mortgage deal ends, no problem. Let us know when you're planning to remortgage and we'll make sure you get the right support.

When are you planning to remortgage?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply so it’s important not to overestimate.

£
Error message

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
Error message

LTV is Loan to Value. This is the amount of your mortgage as a percentage of the value of your property and will help determine the deals available to you.

£
Error message

If you'd like to borrow more than your current mortgage amount, e.g. for home improvements, debt consolidation etc, or you don't currently have a mortgage on this property, please answer 'Borrow more'.

If you'd like to reduce your current mortgage balance select 'Borrow less'.

If you want to increase or reduce your overall mortgage term or change to repayment, interest-only or part and part, select 'Change my term and/or repayment type'.

Do you want to make any changes to your mortgage? I want to…
Error message

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?

If you aren't sure when your current mortgage deal ends, no problem. Let us know when you're planning to remortgage and we'll make sure you get the right support.

When are you planning to remortgage?

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

Have you had any credit issues in the last 6 years or taken a payday loan in the last 2 years?

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply so it’s important not to overestimate.

£
Error message

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Which repayment type would you prefer?
£
Error message

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

yrs
Error message

LTV is Loan to Value. This is the amount of your mortgage as a percentage of the value of your property and will help determine the deals available to you.

£
Error message

If you'd like to borrow more than your current mortgage amount, e.g. for home improvements, debt consolidation etc, or you don't currently have a mortgage on this property, please answer 'Borrow more'.

If you'd like to reduce your current mortgage balance select 'Borrow less'.

If you want to increase or reduce your overall mortgage term or change to repayment, interest-only or part and part, select 'Change my term and/or repayment type'.

Do you want to make any changes to your mortgage? I want to…
Error message

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

What kind of monthly payments do you prefer?
How long would you like your initial deal to last for?
How to apply
Get Free Advice
Speak to a mortgage expert at L&C who’ll check if this is the best deal for you, from across the market. If there’s a better match, we’ll let you know and help you explore more suitable options for your needs— at no cost to you.
Get a Decision in Principle
A Decision in Principle from L&C shows how much a bank might lend you based on your financial situation. It helps you understand your budget and signals to sellers that you’re a serious buyer.

You can apply for an L&C Decision in Principle online where it checks borrowing amounts from over 45 lenders, and doesn’t require a credit check.
We're connecting you to X

If you're not happy with the rates offered by this lender, just come back to L&C and we'll find the best deal for you're circumstances, including exclusive rates only available through L&C.

Get fee free mortgage advice
If you'd like to discuss any of the deals you've seen, simply book an appointment with one of our expert mortgage advisers, at a time that suits you.
Get a Decision in Principle
This is the first step in getting your best mortgage deal. Simply fill in your details and get yours from L&C today.
Property value
£X
LTV
X%

LTV is Loan to Value. This is the amount of your mortgage as a percentage of the value of your property and will help determine the deals available to you.

Borrowing
£X
Deposit
£X
Borrowing
£X
Property value
£X
Change your mortgage filters
Product period

The length of time your initial mortgage deal will last before moving to the lender’s Standard Variable Rate (SVR). Common fixed periods are 2, 3, or 5 years, but longer options are available.

Types of mortgage

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal.

Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

Other features

Offset

With an offset mortgage, your savings account is linked directly to your mortgage. Instead of earning interest on your savings, the money in your savings account is used to reduce the amount of your mortgage that interest is charged on

No Early Repayment Charge

Some lenders charge a fee if you repay your mortgage early, for example by switching deals or paying off a lump sum. Choosing ‘No Early Repayment Charge’ shows you deals that offer more flexibility, without penalties for overpaying or exiting early.

Include New Build

Select ‘Yes’ to see mortgage products that are available for New Build homes, including houses and flats. Some lenders offer specific deals for New Build buyers.

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Include Green Mortgages

Green mortgages can reward buyers of energy efficient homes with better rates or incentives. These are usually available for properties with an EPC rating of A or B.

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Your mortgages
Try changing your filters or reducing your loan size
No matching products found
Max LTV X%: X% discount for X years
New build only
Extra requirements apply

‍

About your borrowing ability

Calculating exactly how much you can borrow depends on a number of things, such as:

  • How much you spend each month on regular commitments
  • Whether you're paid a basic salary, a basic salary plus bonus, commission or overtimeIf you're self employed
  • The amount of deposit you have
  • Your age and whether you are looking to borrow beyond your retirement date

One of the most important factors in determining how much you can borrow is the lender. Each lender has different criteria and as brokers who, last year successfully placed mortgages with 59 different lenders, we are perfectly placed to match the right lender to your borrowing requirements.

What if I need to borrow more?

Sometimes it can be possible to borrow more than the calculator on our website shows you and that's where our expertise comes in. We are sometimes able to arrange higher borrowing by taking your own individual circumstances into account.

* All potential borrowing is subject to affordability checks and credit status

Fixed for 5 years
Initial rate

The rate you will pay at the start of your mortgage.

X%
Then X% (variable)
Monthly repayments

Your monthly payment when your mortgage starts, based on the loan amount you entered.

£X
Scheme fees

The total of the lender's booking, arrangement and valuation fees.

£X
Annual cost

The annualised cost of this mortgage.

£X
Early repayment charge: 
Max LTV X% ERC
Overall cost for comparison: X% APRC

APRC stands for Annual Percentage Rate of Charge. It shows you the total cost of a mortgage, including fees, over the entire term of the loan.

More info
Fees and charges
  • Booking fee
    £X
  • Arrangement fee
    £X
  • Valuation fee
    £X
  • Other fees
    £X
  • Cashback
    £X
Flexibility
  • Overpayment allowed?
    X% p/a
  • Early repayment charge
    ERC Text
Fees and charges
  • Exit fee
    £X
  • Estimated legals
    Payable

Representative example: Irure commodo occaecat in aute nulla ullamco Lorem irure commodo dolor deserunt ullamco. Laborum officia culpa non pariatur cupidatat commodo cupidatat elit pariatur ipsum.

Book an appointment
Your appointment will generally take around 30 minutes, but that could change depending on your specific circumstances. It's also completely free, and you're under no obligation to use our services.

Have your payslip and any details of outgoings to hand, as this can help our advisers in finding the best deal for you.
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You'll be contacted between these times
Your expert adviser will call you to discuss your mortgage options completely free.
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Supporting our customers

When you tell us more about you and how we can help, it may help us better support you.

Any feedback we receive will also help us develop our service, improve accessibility, and support others with additional support needs in the future. We might not always be able to help but if we understand your circumstances, we’ll have the opportunity to tailor our services where possible to offer you the best support we can. For more information on how we support our customers click here.

We want to provide you with the best service we can. Help us to understand your circumstances by telling us more about you and how we can support you.
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To make sure we can recommend you the best deal we'll always need to speak to you, however we can also keep you up to date with the latest rates, mortgage news and related services by the methods you choose below. You can unsubscribe or change your preferences at any time, and you'll only hear from L&C. Here's a reminder of our privacy policy.
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Explore mortgage products

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Variable rate mortgages

If you’re looking for a variable rate mortgage, we can provide all the help and advice you need to find the best deal.

Variable rate mortgages
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Fixed rate mortgages - 5 Years

If you’re looking for the security of a 5 year fixed rate mortgage, L&C can provide all the support and advice you need to find you the best deal.

Fixed rate mortgages 5 Years
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Fixed rate mortgages - 10 Years

If you’re looking for a 10 year fixed rate mortgage, L&C can help you find the best deal to suit your needs.

Fixed rate mortgages 10 Years

Mortgage options for moving home

When you’re moving house, you’ve got three main options for your mortgage. You can ‘port’ your existing mortgage across to your new home, port your existing mortgage and borrow more money to top up what you need, or take out a new mortgage.

Porting your mortgage

If you’ve got a while left on your existing deal, your lender might let you transfer it across to your new home without paying an Early Repayment Charge (ERC). But, even if they do let you port your mortgage, you’ll need to go through the mortgage application process again.

This is because your mortgage lender will need to be shown that you meet their current lending criteria and can afford the repayments.

Top up mortgages

You might also be able to port your mortgage and borrow more money to afford your new home. If you do this, it’s important to know that this extra borrowing might be at a different rate to your current mortgage.

If you need a different deal, try to make sure it finishes at a similar time to your existing mortgage so that when you remortgage, it can all be put into the same deal.

Taking out a new mortgage

If you’re currently on your lender’s Standard Variable Rate(SVR), or there are no early repayment charges to move away from your existing mortgage or lender, you could take out a new mortgage for your new home.

Why apply for a mortgage with L&C?

Mortgages can feel like a minefield, but L&C made the whole process stress-free.

We’d used them before, so it was easy to reconnect and be guided through our options.

We wanted to leave a hectic London suburb for a coastal lifestyle with more space. Thanks to L&C, we moved into a bigger home near the south coast and started a new chapter with more stability and peace of mind.

We’d happily choose L&C again.
Mortgages can feel like a minefield, but L&C made the whole process stress-free.

We’d used them before, so it was easy to reconnect and be guided through our options.

We wanted to leave a hectic London suburb for a coastal lifestyle with more space. Thanks to L&C, we moved into a bigger home near the south coast and started a new chapter with more stability and peace of mind.

We’d happily choose L&C again.
Malcolm Braganza

Malcolm Braganza

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When to apply for a mortgage

Start the process of applying for a mortgage as soon as you’ve decided you’re going to move home.

Your starting point should be to think about how much you want to borrow and what type of mortgage you’d like.

Here at L&C we can help you determine which type of mortgage is right for you, and once you’ve found a property to buy, you’ll be supported through the mortgage application process from start to finish.

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How to apply for a mortgage with L&C

Step 1 – Start online

Compare the latest mortgage deals with our online Mortgage Finder.

Step 2 – See what you could borrow

See how much you could borrow with an L&C Mortgage in Principle. It won’t impact your credit score, and you could get your certificate in as little as 20 minutes.

Step 3 – Start your application with a trusted adviser

Speak to a dedicated mortgage adviser and find a deal that suits your specific circumstances.

Your L&C case manager will then track progress, handlelender queries, and update you as things happen.

They’ll also act as the go-between between you, the lender and the solicitors, so you can sit back and relax in the knowledge that they’ve got it all in hand

Let us guide you

Our useful hints and tips to help you find your new home

How much deposit do I need?

When it comes to putting down a deposit to buy a property, the more you can save up, the better.

Read more

Is it cheaper to rent or buy?

Many think that buying is always the best decision and that paying rent to a landlord is 'dead' money. But buying isn't necessarily the right choice for everyone.

Read more

The cost of buying a house

Make no mistake about it - buying property is expensive, however modest your new home. A mortgage is not the only expense.

Read more

What are the different types of house survey?

If you're buying a new home and need a mortgage then your new lender will require a valuation of the property to ensure they're happy to lend against it.

Read more
View all guides
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Moving house FAQs

Downsizing can be a smart financial decision, whether you're looking to reduce your monthly outgoings, release equity, or move to a property that's better suited to your lifestyle. However, it's important to understand how your mortgage might be affected.

If you have an existing mortgage, you'll need to decide whether to repay it, apply for a new mortgage, or port your current deal to your new property (if your lender allows this). If you're releasing equity from your sale, you may be able to reduce your borrowing or even become mortgage-free.

Every lender assesses affordability and lending criteria differently, so understanding your options before you start searching can help you make informed decisions and avoid unnecessary delays.

Buying and selling at the same time is commonly referred to as being part of a property chain. This means your purchase depends on your sale completing, while your buyer may also be relying on selling their own property.

Managing both transactions simultaneously requires careful planning and communication between estate agents, solicitors, mortgage advisers, and lenders. Delays anywhere in the chain can affect completion dates, which is why preparation is key.

Having your finances arranged early and working with experienced professionals can make the process much smoother and reduce the stress often associated with moving home.

Moving home involves more than just the purchase price. Budgeting for the upfront costs canhelp prevent unexpected surprises.

Typicalcosts include:

  • Stamp Duty Land Tax (where applicable)
  • Estate agent fees
  • Legal fees

Knowing these costs in advance allows you to budget confidently and ensures you're financially prepared for your move.

A Mortgage in Principle (MIP), sometimes called an Agreement in Principle, gives you an indication of how much you may be able to borrow based on your financial circumstances.

Having an MIP before you begin viewing properties means:

  • You'll have a realistic budget, helping you focus on homes you can comfortably afford
  • Estate agents and sellers often view buyers with an MIP as more ready to go
  • It can speed up the buying process once you've found the right property

Knowing these costs in advance allows you to budget confidently and ensures you're financially prepared for your move. It helps identify any potential affordability issues before you've invested time and money into the buying process.

Getting an MIP is one of the simplest steps you can take to put yourself in the strongest possible position before you start your property search.