Free advice on the best mortgage deal for you from across the market

Be sure you'll qualify before you apply

Use our Rate Check promise - secure a deal now & swap if rates change during the application process

Support with your application right through to completion

Fee free since 1999

How can we do all this for free?

All brokers receive a payment from the lender when the mortgage completes. Other brokers charge customers a fee of between £250-£3,272*. With L&C, you really won’t pay a fee. No fee for our advice and no fee for our service. Nothing.

How mortgage brokers are paid

Many mortgage brokers charge a fee.

Fee: £250 - £3,272*

All mortgage brokers are paid by the lender

Fee £0

*Based on 1.5% of our typical loan amount as of April 2024

Don’t pay extra

You’ll pay no more applying through us than you would going directly to the lender on the same deal – but we’ll also handle the entire process for you from application right through to completion.

And, if a better deal becomes available before you complete, we can swap you on to it if it's a better one for you.

Benefit from exclusive deals

We sometimes have exclusive deals not available directly from the lender so you may be able to save more money.

We’ve got a proven track record

It’s an approach that’s proved itself to work time and time again – in fact, we’ve won over 160 industry awards for our services.

Leading the way...fee free.

Today's best buy mortgages

Latest mortgage best buys

Based on a mortgage of £125,000 at 50% LTV
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Overall cost for comparison
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then X% (variable)
X%
then X% (variable)
X%
then X% (variable)
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Latest Buy to Let mortgage best buys

Based on a mortgage of £125,000 at 50% LTV
Provider
Initial rate
Overall cost for comparison
X%
then X% (variable)
X%
then X% (variable)
X%
then X% (variable)
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The best things in life are free

Handy tools and calculators

Practical gadgets to help keep things simple

Select a calculator

See how much you can borrow on a mortgage

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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

What will my monthly mortgage repayments be?

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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.

Compare two mortgage rates

Basic details
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Your results
Over 24 months your current rate will cost:
£X
The comparison rate will cost:
£X

How much is my house worth?

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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.
Expert. Honest. Free.