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Compare Mortgages

1
Your Situation
2
The Mortgage
Mortgage
3
Your Preferences
Preferences
Results

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 property or remortgaging?

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 property or remortgaging?
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.

£
Please enter a value between £1 and £99,999,999

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

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Please enter a value between £1 and £99,999,999

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

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Please enter a value between £1 and £99,999,999

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

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Please enter a value between £1 and £99,999,999

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

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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…
Please select your lender

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.

£
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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…
Please select your lender

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.

Sorry, there doesn’t seem to be any mortgage products available based on what you’ve told us. Try changing your requirements to see if that helps.

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
If your summary doesn't look quite right, just head back up the page to make any changes.

Your results

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 property or remortgaging?

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 property or remortgaging?
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.

£
Please enter a value between £1 and £99,999,999

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

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Please enter a value between £1 and £99,999,999

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

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Please enter a value between £1 and £99,999,999

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

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Please enter a value between £1 and £99,999,999

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

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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…
Please select your lender

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.

£
Please enter a value between £1 and £99,999,999

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?
£
Please enter a value between £1 and £99,999,999

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

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

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.

£
Loan to Value (LTV)
0%
Please enter a value between £1 and £99,999,999

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…
Please select your lender

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
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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.

‍

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.

‍

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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Try changing your filters or reducing your loan size
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Initial rate
X% discount for X years
Max LTV X%
New build only
Extra requirements apply

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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

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Transferring you to L&C

Apply through L&C for a chance to win up to 6 months mortgage free. Find out more!
Book your appointment with L&C

Welcome to L&C. We’re the UK’s leading fee free mortgage broker, and over a million customers have trusted us to help them with their mortgage. We’ll help you understand your options and give you clear, easy to understand advice whatever your circumstances.

Your appointment will generally take around 30 minutes, depending on your specific circumstances. It's also completely free, and you're under no obligation to use our services. If you also have your payslip and any details of outgoings to hand, this can help our advisers find the best deal for you.

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Jul
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You're almost done. Just pop in your details below and one of our mortgage advisers will be in touch.

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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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Your expert adviser will call you to discuss your mortgage options completely free.
You’re all booked in

Your mortgage adviser will call you at the scheduled time and you’ll receive a confirmation email shortly with all the details.

Appointment details
Day Date Month between HH:MM - HH:MM
You don’t need to do anything right now as we’ll call you on the number you provided at your scheduled time.
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Transferring you to L&C

Apply through L&C for a chance to win up to 6 months mortgage free. Find out more!
L&C Mortgage in Principle

Get your Mortgage in Principle from L&C

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L&C’s online Mortgage in Principle will check affordability for over 45 lenders all in one place, so you can find out how much you could borrow.

L&C will email your certificate which you can use to show sellers you’re a serious buyer, and there’s no credit check needed.

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When you’re ready to go their advice is fee free too!

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