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You're remortgaging your home
If you’re looking to remortgage your home, then you might be hoping to get a better rate on a different deal. And remember, remortgaging before you get moved onto your current lender’s standard variable rate can save you money.
You're moving home
Moving to a new home is thrilling, but figuring out mortgages can be tricky. Even if you've done it before, knowing all your options is super important. At L&C, we've got you covered. From porting to offset and fixed or variable mortgage options, our advisors can help you make smart choices and make moving into your new place hassle free.
You're buying your first home
Buying your first home is an exciting time but can be confusing. From deposits to interest rates and monthly payments to stamp duty, your L&C mortgage adviser can guide you through the process, and their advice won’t cost you a penny.
Compare mortgage types
Fixed rate
If having total certainty on your monthly repayments is important for you, a fixed rate mortgage may be your best choice. A fixed rate mortgage is where the interest rate remains the same for a set period of time. The advantage of this is that you know exactly how much you’ll be paying back each month, making it easier to budget and plan for the future.
Tracker
Tracker mortgages, as the name suggests, track a nominated interest rate (usually the Bank of England base rate), plus a set percentage, for a certain period of time. When the base rate goes up, your mortgage rate will rise by the same amount, and if the base rate falls, your rate will go down.
Discount rate
A discounted variable rate mortgage is one where your interest rate is a set percentage below the lender’s standard variable rate and can move up or down over time, which means your monthly payments are also likely to change over time. One of the biggest benefits of this type of mortgage is that, when you look at fixed and variable interest rates, the initial rate can be lower on a variable deal.
Offset
With an offset mortgage, you can use the balance of your savings or current accounts to help you reduce the overall amount of interest you pay on your mortgage. Doing so can allow you to either reduce the overall term of your mortgage or reduce the amount you repay every month.
Your questions, answered.
Will my mortgage rate fall in 2025?
“It’s important to note that this only applies to those on a variable rate. Homeowners on fixed-rate mortgages will need to wait for their current deal to end, before they can remortgage and potentially benefit.”
Adam Cozens, L&C Mortgage Advice Director
How much can I borrow?
Not sure how much you could borrow for a mortgage, or how much your monthly mortgage repayments are going to be? Our quick and easy-to-use mortgage calculator is here to help.
How to get the best mortgage deals
Check your credit score
A good credit score can unlock better mortgage rates. L&C can help you understand what lenders look for. We can also suggest ways to improve your score before you apply. This could mean a wider choice of deals and lower monthly payments.
Shop around
The best mortgage deal isn’t always from your bank. L&C searches across the market, including deals you won’t find yourself because lenders only make them available to mortgage brokers. We also know which lenders are most likely to approve your application, saving you time. This helps you get the best rate without the hassle.
Check the fees
A low interest rate doesn’t always mean a cheap mortgage. Some deals have high fees that make them more expensive in the long run. L&C can break down the true cost of a mortgage, so you don’t get caught out. We’ll make sure you get the best overall deal, not just the lowest rate.
Use an L&C mortgage broker
A good credit score can unlock better mortgage rates. L&C can help you understand what lenders look for. We can also suggest ways to improve your score before you apply. This could mean a wider choice of deals and lower monthly payments.At L&C, we’ll search 1000s of deals from across the market and work with over 90 lenders to ensure you get the best deal for your circumstances. Applying through L&C ensures that you won't pay more than if you went directly to the lender for the same deal.
What's more, we'll manage the entire process for you, from the initial application to the final completion. If there's a better deal for your circumstances, we can swap your deal during the process if it's right for your situation.
Get a head start with an L&C mortgage in principle
A mortgage in principle will show you the best result from over 45 lenders all in one place, saving your time and effort and shows the seller you're ready to move forward. And it's completely free.
You’ll get your mortgage in principle certificate in minutes
Applying won’t affect your credit score
A mortgage in principle can help speed up the buying process
Getting started with our mortgage guides
L&C’s expert mortgage guides are designed to walk you through your mortgage journey. Take advantage of our free advice today. Go online or call to speak to an adviser.
How to prepare for a mortgage application
You can start preparing for a mortgage application at any time, but getting everything in order first can improve your chances of approval. Lenders will look at your income, outgoings, credit score, and financial history, so it’s important to be as prepared as possible. Our guide explains what you need to do before you apply, from checking your credit report to organising the right paperwork.
What does a mortgage broker do?
A mortgage broker is someone who helps you navigate the mortgage process and works to find the best deal for your needs. If you're feeling overwhelmed by the idea of choosing a mortgage, a broker can guide you through it. They will explain the different interest rates, types of mortgages available, and how long you might want to borrow money for. Once you choose a broker, they will gather information about your financial situation, the property you’re looking to buy or refinance, and your future plans. Using this information, they will search for the best mortgage options for you.
Comparing mortgages FAQs
How do I decide which is the best mortgage for me?
The best mortgage for you depends on your budget, how long you plan to stay in your home, and whether you want certainty over your monthly payments. It’s important to compare interest rates, fees, and features like the ability to make overpayments. Looking at the overall cost of the mortgage rather than just the initial rate can help you make the right choice.
What should I consider when comparing mortgages?
When comparing mortgages, don’t just focus on the interest rate—look at arrangement fees, early repayment charges, and any incentives. A mortgage with a slightly higher rate but lower fees might actually be cheaper in the long run. It’s also worth considering how long you want to fix your rate for, as this affects both stability and flexibility.
What factors affect the mortgage I can get?
Lenders assess your income, outgoings, credit score, and the size of your deposit to decide what rate is available to you. Your employment status and the type of property you’re buying can also play a role. Having a larger deposit and a strong credit score can improve your chances of securing a lower interest rate.
What is LTV and how does it affect the cost of a mortgage?
LTV (loan-to-value) is the percentage of the property price you borrow compared to your deposit. A lower LTV—meaning a larger deposit—usually means lower interest rates, as lenders see it as less risky. If you have a higher LTV, you may face higher rates, so saving a bigger deposit can help reduce costs.
Should I compare mortgages based on annual cost?
Comparing mortgages based on their annual cost gives a clearer picture of what you’ll actually pay. A deal with a low interest rate might have high fees, making it more expensive overall. Looking at the total cost—including fees and incentives—helps ensure you get the best value.
What other mortgage cost factors should I compare?
In addition to the interest rate, consider arrangement fees, valuation fees, legal costs, and early repayment charges. Some lenders offer cashback or free valuations, which can help reduce upfront costs. Factoring in all these elements will give you a better idea of which mortgage is truly the best deal.
What length fixed rate mortgage should I get?
A 2 or 3 year fixed-rate period offers flexibility to review your situation in the shorter term, while a 5 or 10 year fixed rate provides longer term stability in case interest rates rise. The best option depends on your plans—if you’re likely to move or remortgage soon, a shorter term might work better. If you prefer predictable payments for longer, a longer fix may be a safer choice.
When should I remortgage?
It’s a good idea to start looking for a new mortgage around six months before your current deal ends, to avoid moving onto your lender’s more expensive standard variable rate. Remortgaging earlier might also save you money if interest rates have dropped or your property value has increased. Checking your options regularly can help you secure the best deal.
How do you compile your best buy tables?
When compiling the best buy tables we compare the best mortgage rates from across the UK market, including deals that are exclusive to L&C.
It's important to remember that the best mortgage deals are not necessarily about getting the lowest mortgage rate possible, you also need to take into account all the fees and charges associated in setting up your new mortgage deal.
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