News & Insight

Our expert views and commentary on what’s happening in the world of mortgages and sometimes beyond, along with our regular summary of what the papers say.

Are you ‘Just About Managing’?

Over 1.4m people are struggling to pay their mortgages, but there are plenty of steps borrowers can take to help make their monthly payments more manageable. ...

L&C water pump is under construction

We’re proud to support AquAid by purchasing their water coolers and installing them in each of our offices. Our AquAid water cooler not only benefits our employees, but also gives us the opportunity to help others – slightly further afield....

What the papers said about 99 months of low rates and taking action

May is the 99th month that the Bank of England has kept its base rate at or below 0.50%. Around 2.5 million people have bought their first property since then, according to the Council of Mortgage Lenders, and will not yet have witnessed base rate moving in the opposite direction. ...

Interest rates held at 0.25%

The Bank of England left the base rate unchanged at 0.25% in it’s May meeting, but warned that rising living costs and falling wages will mean “challenging” times for many households this year. ...

Mortgage debt for the over 65's on the rise

Borrowing into older age is set to become increasingly common, according to a new report, with several lenders already showing a more flexible approach to people in their 60s and 70s. ...

Leasehold Vs Freehold

If you’re looking to buy a home, it’s vital to understand the difference between buying a property which is freehold, and one which is leasehold. Let us explain the differences between the two, and the financial implications for homebuyers....

House Price growth drops for second month

House prices fell by 0.4% in April, according to Nationwide Building Society’s latest House Price Index, the second consecutive month that prices have dropped. ...

Easter competition winner revealed

Thanks to everyone who entered our competition to win an Easter hamper from Hotel Chocolat. After receiving over 1400 entries, we’ve now chosen a winner. Congratulations to......

Win the ultimate chocolate feast with L&C

Take part in the L&C Easter egg hunt and you could win this Easter Hamper from Hotel Chocolat. We’ve hidden three small Easter eggs on the L&C Website. Use the clues below to find the three eggs that we’ve hidden. For the chance to win this Hotel Chocolat Hamper, simply find the eggs that are labelled with city names and list...

Annual house price growth slows

The latest Nationwide House Price Index highlights a fall in property prices of 0.3% in March, the first drop since June 2015. ...

Afternoon tea competition winner - revealed

After receiving a huge number of entries, we’ve now chosen a competition winner for our Afternoon Tea at Fortnum and Mason competition. Congratulations to our first, second and third prize winners......

Eight years of low rates

The Bank of England chose to keep interest rates on hold again in March, marking eight years of rock-bottom mortgage rates for homeowners. ...

Spring Budget 2017

Property and the housing market were noticeable by their absence in this year’s Spring Budget, quashing hopes of any reduction in stamp duty costs or other help for ...

How to get a mortgage if you’re self-employed

Applying for a mortgage can be tricky, but if you’re a self-employed worker, freelancer or contractor, you could face extra challenges. Here's what you'll need to get a mortgage as a self-employed person... ...

L&C “Piece of Cake” Event Roundup – L&C

L&C “Piece of Cake” Baking Event Roundup To celebrate the launch of our new cake-orientated TV advert (you can watch it here if you haven’t seen it yet), we decided to host our very own bake-off with ten of the UK’s top food, travel, lifestyle & parenting bloggers....

Easter Competition Ts and Cs

For a chance to win the Hotel Chocolat Happy Easter Hamper, simply find the three Easter eggs on the L&C webpage and tell us the place names of the three eggs before midnight on Monday 17th April 2017. Terms and conditions apply....

Five questions to ask when viewing a house

Buying a property is likely to be the biggest purchase you’ll ever make, so it’s vital you choose carefully. Here are five things you should ask when viewing a property....

Baking Cakes with L&C

London & Country is hosting a baking event with some of the UK’s top bloggers, to celebrate our new TV ad....

Advantages of using a mortgage broker

Let’s face it, if you’re buying a home or remortgaging, the huge choice of mortgages available can seem bewildering. Should you go for a fixed rate deal, a variable rate deal, or an offset mortgage? And how much will you be able to afford?...

Eight things to do before you exchange

If you’re buying a home, chances are you’ll want to exchange contracts as soon as possible to seal the deal. But rushing in without finding out everything you need to know about the property you’re purchasing could end up costing you more. Here are eight things you need to do before exchanging contracts....

New Year mortgage resolutions

Your mortgage is likely to be your biggest monthly outgoing, so if you haven’t reviewed yours for a while, it’s a good idea to make sure you aren’t paying more than you need to. ...

2016 Review and Outlook

Last year isn’t one any of us are likely to forget in a hurry thanks to Brexit, but amidst all the political turmoil, homebuyers and owners enjoyed some of the lowest mortgage rates ever recorded. ...

L&C mortgages latest TV advert

Today we are excited to launch our latest TV ad - Let’s L&C. Choosing a mortgage isn’t as simple as choosing a cake, so it shouldn’t be treated like one. With the right expert help from L&C, the whole process can be a piece of cake. ...

6 surprising things that affect your house value

If you're selling your home you'll want to get the best price possible, but there could be things you aren't even aware of that are affecting its value. Here we reveal six surprising things that could affect your property's price....

Competition terms and conditions

1. The competition runs from 8am 17/01/2017 until midnight 17/03/2017. Entries received after this time will not be put forward for the draw. 2. The prize draw is open to residents of the UK aged 18 or over, excluding employees or agencies of London & Country Mortgages, MoneySuperMarket or their respective group companies or families or anyone else connected to the Prize Draw....

Explaining the terms - completion and exchange

When buying a property in England or Wales, two of the most important terms to get to grips with are ‘exchange’ and ‘completion’. Only once you’ve done both of these will you be able to get your hands on the keys to your new home. Here’s what you need to know....

Tips to add value to your home

If you’re looking to bump up the value of your property, perhaps with a view to selling it, then the good news is that lots of improvements can be made without breaking the bank. Here are our top tips on how to add value to your home....

How to save on your winter houshold bills

How to save on your winter household bills: As winter draws ever nearer and energy bills begin to climb, we wanted to share some simple steps to save money on your household bills with small changes that will make a big difference....

Autumn Statement 2016

Phillip Hammond has delivered his first Autumn Statement as Chancellor of the Exchequer. Compared to recent budgets and statements there was relatively little directly affecting the housing market though we did get two further housing initiatives announced: ...

Annual house price growth eases

The annual rate of growth has continued to ease, slowing from 5.8% in September to 5.2% in October, according to the latest Halifax House Price Index. ...

Santander tightens buy-to-let lending policy

Santander has announced it will tighten the rental calculation for landlords from 23rd November. This makes them the first major lender to declare policy changes since the Prudential Regulatory Authority published new requirements in September....

Making sense of solicitors’ quotes

You’ve found a property you want to buy and got your mortgage application ready to go, so now you need to hire a solicitor and make sense of their quotes...

Bank of England holds base rate at 0.25%

Although there had been suggestions that a further cut to Base Rate could be on the cards, it came as little surprise that the Bank of England elected to make no change in its November meeting. ...

How to help your mortgage affordability

When you apply for a mortgage, lenders will look to your bank statements to help them decide how much you can afford to borrow. Follow these simple steps to boost your mortgage affordability...

What the papers said about savers and milennials

The Times reported this weekend that over 100 savings accounts have been withdrawn since the Bank of England cut its Base Rate in August, bringing the number of available products to its lowest since 2007. ...

New Rules for Buy To Let Mortgages

At the end of September the Prudential Regulatory Authority announced new underwriting standards for Buy to Let mortgage lenders. What do the new rules say? ...

House price growth slows

Annual house price growth slowed from 5.6% to 5.3% between August and September, according to Nationwide’s latest House Price Index. It now suggests the average value of a UK property is £206,015. ...

SVR Watch

Here’s how lenders are reacting to the Bank of England’s decision to cut Base Rate. We’ll keep updating this page as news comes come in. ...

4 tips for mortgage money saving

A mortgage is one of the most expensive commitments many of us will ever take out, but even some of the savviest households fail to consider cutting the costs of their mortgage. ...

Confidence returning to the housing market

The latest Residential Market Survey produced by the Royal Institution of Surveyors (RICS) suggests that the housing market is stabilising in the wake of the EU Referendum result. ...

Bank of England Reduces Base Rate

After much speculation the Bank of England has indeed cut Base Rate to 0.25% - the first move in over 7 years and, until the EU referendum, one that very few would have for seen. So what does it mean for mortgage holders? ...

Impact of Brexit is yet to be felt

Nationwide’s latest House Price Index – the first full month’s set of data produced since the EU Referendum - shows an increase of 0.5% in July, putting the average cost of a home at £205,715. ...

No change to Base Rate....Yet

The Bank of England’s Monetary Policy Committee has decided to hold Base Rate at 0.50%, and also to hold the Asset Purchase programme (better known as Quantitative Easing) as well....

Are lenders expecting an interest rate cut?

Much of the attention has been on fixed rates lately, with long-term rates falling to record lows. With increased uncertainty following the vote to leave the EU, it’s no surprise that many people are looking for stability. ...

Record-low long term fixed rates launched

The recent EU Referendum result has inevitably created uncertainty within the financial markets, but over the last week banks and building societies have begun to take advantage of falling funding costs by ramping up the mortgage war even further. ...

Financial Stability Report

The Bank of England’s Financial Policy Committee is charged with looking after the stability of the UK financial system, and has released its first Financial Stability Report since the EU referendum. ...

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