FEE FREE
MORTGAGE ADVICE

How you can be sure it's free

Like all other brokers, we receive a payment from the lender when the mortgage completes.

The difference is that unlike other mortgage brokers, we simply choose not to charge our customers a fee on top of this.

You’ll pay no more applying through us than you would going directly to the lender on the same deal.

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We make mortgages a piece of cake
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Open 7 days a week - until 8pm weekdays
(free from mobile or landline)

Arrange a callback

Let's L&C the best mortgage for you in 4 simple steps

Step 1
Compare & check >>

Compare the latest mortgage deals in real-time online and check what's affordable.

Step 2
See if you qualify

Call us - we'll need to run through a few questions to let you know which deals you're eligible for - no need for a credit check.

Step 3
Apply online

You won't have to tell us any info twice, we'll keep it and put it in the form so you can check it and apply online.

Step 4
Track & chase

Track your application online 24/7. We'll even appoint a dedicated case manager who'll do all the legwork for you.

In a nutshell, L&C saves you time. We save you hassle. And we save you money.

Start saving today!

First time buyer

Step onto the property ladder with our expert help

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Buying a home

Secure your dream home with stress-free mortgage advice

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Remortgage your home

Switch your mortgage to suit your changing needs

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Buy to Let

Start out in the rental market or expand your portfolio

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Our latest best buy mortgages

How can we offer all this for free?

Like all other brokers, we recieve a payement from the lender when the mortgage completes. The difference is that unlike other mortgage brokers, we simply choose not to charge our customers a fee on top of this.
It's an approach that's proved itself to work time and time again. In fact, we've won over 150 industry awards for our services since 2002.

Net Promoter
Score

Net Promotor Score (NPS) is a gauge many businesses use to measure customer satisfaction.

The highest Net Promotor Score for the banking industry is +73* so we're really proud of our score.

* Source Satmetrix 2015 UK Customer study

as at 16/06/2017

86

Mr R, Glossop

Extremely competent and responsive outfit, with every question answered and thoughtfully handled - I will... Read more

Breaking news:
Property prices show signs of cooling
The traditional spring bounce in the housing market failed to materialise this year, according to Halifax’s latest house...
Learn more
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News & Views

What is going on in the world of mortgages?

What the papers say about the new Buy-to-Let rules, New Build and Critical Illness Cover
The Times focused on the new Buy to Let rules from the Prudential Regulation Authority (PRA) that will come into force this October. They will affect ‘portfolio landlords’ (those with 4 or more mortgaged properties). Previously, lenders might assess a new mortgage in isolation but will now have to undertake a review of all the client’s assets, liability, tax position, business plan and exit strategy. Buy to Let Mortgage lenders are beginning to announce how they will implement these changes,...
July 25, 2017
Property prices show signs of cooling
The traditional spring bounce in the housing market failed to materialise this year, according to Halifax’s latest house price index, which showed prices have fallen for the third quarter running....
July 21, 2017
Is 35 years becoming the new norm?
The Telegraph was keen to highlight that in the first quarter of 2017 almost one in seven borrowers took a mortgage term of 35 years or more.......
July 18, 2017
Clarity on mortgage stress tests
Lenders will have to adopt a more uniform approach to mortgage stress tests, following a clarification of the rules by the Bank of England’s Financial Policy Committee (FPC)....
July 10, 2017