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Fee freemortgage advice
From the UK's best mortgage broker
Expert advice whatever your circumstances
Clear explanations that make things easier to understand
Trusted by over 1 million customers
Today’s best buy mortgages
Latest mortgage best buys
Latest Buy to Let mortgage best buys
Handy tools and calculators
Practical gadgets to help keep things simple
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-£2,377*. With L&C, you really won’t pay a fee. No fee for our advice and no fee for our service. Nothing.
Many mortgage brokers charge a fee.
Fee: £250 - £2,377*
All mortgage brokers are paid by the lender
Fee £0
How mortgage brokers are paid
*Based on 1% of our typical loan amount as of June 2026
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 220 industry awards for our services.
Celebrating 1 million
mortgage stories
1 million mortgage applications means 1 million stories...
Hear from some of the people we've helped below.
Latest mortgage news
Renovate or relocate. How to get the home you need.
There comes a time in every homeowner’s life when the house starts to feel a little cramped, dated or unloved. But the question is whether to chuck it all in and move, or renovate the place you once loved.
Government to replace Lifetime ISA with new First Time Buyer ISA
The Lifetime ISA is set to be replaced by a new Government-backed First Time Buyer ISA designed to help those wanting to get onto the property ladder to save a deposit.
Government reforms aim to speed up homebuying and cut costs
Purchasing a property should become easier and cheaper under Government reforms designed to put an end to gazumping and reduce buying and selling costs.
Inflation boost for borrowers
The Consumer Prices Index (CPI) measure of inflation remained at 2.8% in the 12 months to May, according to the Office for National Statistics, defying expectations that it would rise.
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See the deals you qualify for & how much you could borrow.
