L&C Mortgages is the UK's leading fee free mortgage broker and will help you find the right mortgage deal. Most importantly unlike many other brokers we won’t charge you a fee, whether you proceed with the application or not.
Friendly, helpful staff fulfilled all my requirements professionally, quickly and efficiently. Could not ask for more. Very useful online tracker facility
Absolutely fantastic service received from my 1st phone call right to the very end. Genuine advice tailored to suit my needs. No "pushy salesperson". Any queries/issues resolved in a timely manner. Telephone contact always arranged at suitable times around my daily schedule. Also being able to track my case throughout the process online. Would absolutely recommend L&C Mortgages to everyone.
Comparing mortgages isn’t easy. Sometimes deals look attractive because they have a low initial rate, but you also need to take into account
any fees that come with the mortgage deal. We recommend annual cost as the best way to see which mortgage deal offers
the best value for the size of mortgage you’re looking to take.
This is how we calculate the annual cost:
By comparing mortgage deals looking at annual cost you can see which one would be cheapest for you taking into account fees as well as the interest rate. The annual cost only applies to the initial deal as its always best to consider switching once the initial deal is over to see if you could save money.
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.
Who is lending the money and what sort of mortgage is it.
The rate you will pay at the start of your mortgage.
Your monthly payment when your mortgage starts, based on the loan amount you entered.
The total of the lender's booking, arrangement and valuation fees.
The annualised cost of this mortgage.