Welcome to your next mortgage!

Why choose our free, award-winning service?

  • See real-time rates from across the market
  • Find out how much you could borrow in minutes
  • Track your application online 24/7
  • Expert advice on hand when you need it
  • Our entire service is fee free

Get started:

Do you want to...

Find your best rate online

Or call

0808 229 7847
Trustpilot widget

Compare 1000s of mortgage rates & deals

View today's best deals and find out if L&C could help save you time and money by switching to a better rate.

Loan type
Error message
£
Error message
yrs
Error message
£
Error message
£
Error message
£
Error message
Filters
Filters
Purchase type
Error message
Property type
Error message
Type of mortgage
Product period
Other features
Check your
mortgage options
Get started online
Matching mortgages

Rates updated on <date>

Try sorting by annual cost

L&C annual cost

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:

  • We add up all the fees associated with the mortgage deal and deduct any cash back to find total fees
  • We then divide the total fees by the number of months the initial mortgage rate lasts to find the total fees per month
  • We add the total fees per month to your monthly mortgage payment and multiply by 12 to 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.

Provider

Who is lending the money and what sort of mortgage is it.

Details

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

Initial rate

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

Monthly repayments

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

Scheme fees

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

Annual cost

The annualised cost of this mortgage.

Continue online
No matching products found
Try changing your filters or reducing your loan size
Max LTV X%: X% discount for X years
Fixed for 5 years
Initial rate
X%
Then X% (variable)
Monthly repayments
£X
Scheme fees
£X
Annual cost
£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.

Continue online
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.

Please enter a search to get started

Get started

Handy tools and calculators

Practical gadgets to help keep things simple

See all calculators
Select a calculator
How much can I borrow?
What will my monthly mortgage repayments be?
Should I change mortgage provider?
How much can I borrow on a buy to let mortgage?
How much is my house worth?
What will my loan to value percentage be?
How much stamp duty will I pay?
How much can I save by making overpayments?
What will happen if rates change?
How much interest will I earn?
How much life cover do I need?
How long do I need to save?
Offset v Savings
What is my BMI?
I have an early repayment charge, should I switch?
How much rent should I charge?

See how much you can borrow on a mortgage

£
We've calculated this from our average customer
Error message
£
We've left this blank, but add in another applicant's income if relevant
Error message

Enter the values above to calculate how much you can borrow

Your results
You could borrow up to:
Up to £X

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

Next see the deals you qualify for

What will my monthly mortgage repayments be?

£
This value has been customised for you
Error message
yrs
Loans are typically over 25 years, so we've defaulted to that for you
Error message
%
This value has been customised for you
Error message

Enter the values above to calculate how much your mortgage will cost

Your results
Your monthly payment will be:
£X
Assuming interest rates stay the same
The total amount you will pay over the term is:
£X
Made up of £X capital and £X interest.
Next see the deals you qualify for

Calculate the cost of doing nothing

If you're one of the many borrowers currently on or about to slip onto a lender's standard variable rate (SVR), it could cost you thousands. Fill in some basic details below and we'll show you what the cost could be.
Error message
Error message
%
This is typically what you might revert to if your initial deal has ended
Error message
£
Tell us what you think your property is worth
Error message
£
Error message
yrs
Loans are typically over 25 years, so we've defaulted to that for you
Error message
Error message
Your results
Your mortgage could be costing you an extra:
£XX a month /
£XX a year
Payments on follow-on rate:
Around £XX a month
Payments if you switch:
Around £XX a month

From the basic information you've given us, it looks like you might be on the best rate. But there's so much we don't know about your circumstances yet, that might not be accurate.

To find out what your mortgage options are, and to get a better idea of any potential saving you could make by switching deals, head to our Mortgage Finder.

Use our mortgage finder
Next see the deals you qualify for

How much can I borrow on a Buy to Let mortgage?

£
Per month/per property - We've calculated this from our average customer
Error message

Enter the values above to calculate how much you can borrow

Your results
You could borrow up to:
Up to £X

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

Next see the deals you qualify for

How much is my house worth?

Error message
Error message
Error message
Error message
Error message

Enter the values above to calculate how much your property is worth

Your results
Property value:
£X
An upper value of £X and a lower value of £X is likely.

Loan to value ratio calculator

£
We've calculated this from our average customer
Error message
Error message
£
This value has been customised for you
Error message
£
This value has been customised for you
Error message
%
This value has been customised for you
Error message

Enter the values above to calculate your LTV

Your results
Your LTV:
X%
Loan amount:
£X
Deposit amount:
£X
Next see the deals you qualify for

Stamp duty calculator

£
We've calculated this from our average customer
Error message
We've calculated this from our average customer
Error message
Error message
Error message

Enter the values above to calculate how much stamp duty you will pay

Your results
Total stamp duty will be:
£X
The table below shows .you how this is broken down.
Range
Cost
You pay X% up to £X
£X
Total
£X
Next see the deals you qualify for

How much would making overpayments save me on my mortgage?

£
This value has been customised for you
Error message
%
This value has been customised for you
Error message
yrs
Loans are typically over 25 years, so we've defaulted to that for you
Error message
Error message
One off payments
£
Error message
Error message
Regular overpayments
£
Error message
Error message

Enter the values above to calculate how much your mortgage will cost

Your results
By making the overpayments above you would:
Pay £X less in interest
By making the overpayments above you would:
Reduce your mortgage term by X
Next see the deals you qualify for

What will happen if interest rates rise or fall?

£
This value has been customised for you
Error message
yrs
Loans are typically over 25 years, so we've defaulted to that for you
Error message
%
This value has been customised for you
Error message
%
We've defaulted to a value we think is realistic
Error message

Enter the values above to calculate what will happen if interest rates rise or fall

Your results
Current Payment:
£X
New Payment:
£X
Next see the deals you qualify for

How much interest will I earn?

£
Error message
%
Error message
Error message

Enter the values above to see how much interest you will earn

Your results
Monthly Interest:
£X
Tax Rate:
X%

Our life insurance cost calculator

Find out how much over you need with our life insurance calculator.
About your family
Error message
yrs
Error message
Error message
About your liabilities
£
This value has been customised for you
Error message
£
Error message
£
Error message
£
Error message
About your income and assets
£
We’ve calculated this from our average customer
Error message
£
Error message
£
Error message
£
Error message

Enter the values above to see calculate how much life cover you require.

Your results
£X
The cover required to replace your income.
We’ve based this on 4 times your gross income, although the amount needed will depend on your circumstances.
£X
The cover required for supporting your children until they are 18.
The annual cost of supporting a child is £9760, according to the LV Cost of a Child report Jan 2015.
£X
The cover required for supporting your children through university.
The annual cost of supporting a child is £13345, according to the LV Cost of a Child report Jan 2015.
£X
The cover required for paying your rent or mortgage
The amount needed to repay your mortgage or to cover 4 years of rent payments based on the figures you entered.
£X
The cover required for covering your loans and credit cards.
The amount needed to repay your mortgage or to cover 4 years of rent payments based on the figures you entered.
£X
Take off your current assets.
We’ve deducted the amount of life cover, savings and assets you have currently.
£X
The minimum level of life insurance we think you should have.
We’ve deducted the amount of life cover, savings and assets you have currently.

How much should I save?

£
Error message
£
Error message
%
Error message
How would you like to calculate?
Error message
£
Error message
yrs
Error message

Enter the values above to calculate how much you need to save

Your results
The amount you would need to save per month:
£X
To reach your required amount it will take you:
X
Next see the deals you qualify for

Would an offset mortgage work for me?

£
This value has been customised for you
Error message
%
This value has been customised for you
Error message
yrs
Loans are typically over 25 years, so we've defaulted to that for you
Error message
£
Enter any set up fees
Error message
Your savings
£
Error message
%
Error message
£
Error message
Error message
The offset mortgage
%
Error message
£
Enter any set up fees
Error message
yrs
Example message to come from the form
Error message

Enter the values above to see how much your mortgage will cost.

Your results
Standard mortgage
On a standard mortgage, your monthly payment would be £X and you would pay £X in interest over the comparison term. You would also earn £X interest on your savings. The annual net interest cost is show in red of the graph.
Offset mortgage
On a offset mortgage, your monthly payment would be £X and you would pay £X in interest over the comparison term. The annual net interest cost is show in white of the graph.
Next see the deals you qualify for

Body Mass Index

cm
We've calculated this from our average customer
Error message
kg
We've calculated this from our average customer
Error message

Enter the values above to calculate your BMI

Your results
Your BMI is X

Compare two mortgage rates

Basic details
£
We've calculated this from our average customer
Error message
£
This value has been customised for you
Error message
yrs
Loans are typically over 25 years, so we've defaulted to that for you
Error message
Error message
Current rate
%
Error message
£
Error message
Error message
months
Error message
%
Error message
Do you have a repayment charge?
Error message
£
Error message
months
Error message
Error message
Compare rate
%
Error message
£
Error message
Error message
months
Error message
%
Error message
months
Error message
Error message

Enter the values above to compare two mortgages

Your results
Over 24 months your current rate will cost:
£X
The comparison rate will cost:
£X
Next see the deals you qualify for

What’s the likely rental income?

Error message
Error message
Error message
Error message
Error message

Enter the values above to calculate how much rent to charge

Your results
Rental value:
£X
An upper value of £X and a lower value of £X is likely.
Next see the deals you qualify for

Important notice

If you complete on a mortgage through L&C, L&C will be paid a commission by the chosen lender. L&C will share a percentage of this commission with the referring third party. The commission L&C receives doesn't affect the product or rate recommended to you.