Fee free expert advice with L&C mortgages

Use our online Mortgage Finder to

  • Get a FREE Mortgage in Principle
  • Find out how much you can borrow
  • See which rates you qualify for
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Straightforward mortgage advice

Arranging a mortgage can sometimes feel complicated. L&C, the UK’s leading fee free mortgage broker, can help make it simple and find the best deal for you. You can start your application online or call L&C for help - and you'll pay no fee for our service.

What fee free really means

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.

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Compare mortgages & remortgages - check if you qualify & apply online

Step 1

Rates & eligibility

See how much you can borrow & find out which deals you're eligible for in real-time online

Step 2

Best deal for you

When you're ready we'll give you a call if we need to and email you advice on the best mortgage and lender for you

Step 3

Apply online

No need to tell us any info twice; we'll pre-populate the lenders application form & you can apply online

Step 4

Track & chase

Track your application online 24/7

Expert. Honest. Free.

Today's best buy mortgages

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Based on a mortgage of £125,000 at 50% LTV
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Latest Buy to Let mortgage best buys

Based on a mortgage of £125,000 at 50% LTV
Provider
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Overall cost for comparison
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then X% (variable)
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then X% (variable)
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X%
then X% (variable)
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Fee free since 1999

Handy tools and calculators

Practical gadgets to help keep things simple

See all calculators
Select a calculator
How much can I borrow?
What will my monthly mortgage repayments be?
Should I change mortgage provider?
How much can I borrow on a buy to let mortgage?
How much is my house worth?
What will my loan to value percentage be?
How much stamp duty will I pay?
How much can I save by making overpayments?
What will happen if rates change?
How much interest will I earn?
How much life cover do I need?
How long do I need to save?
Offset v Savings
What is my BMI?
I have an early repayment charge, should I switch?
How much rent should I charge?

See how much you can borrow on a mortgage

£
We've calculated this from our average customer
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We've left this blank, but add in your partners income if relevant
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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

Next see the deals you qualify for

What will my monthly mortgage repayments be?

£
This value has been customised for you
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Loans are typically over 25 years, so we've defaulted to that for you
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Enter the values above to calculate how much your mortgage will cost

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.
Next see the deals you qualify for

Compare two mortgage rates

Basic details
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We've calculated this from our average customer
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£
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yrs
Loans are typically over 25 years, so we've defaulted to that for you
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Current rate
%
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months
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Do you have a repayment charge?
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Compare rate
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Enter the values above to compare two mortgages

Your results
Over 24 months your current rate will cost:
£X
The comparison rate will cost:
£X
Next see the deals you qualify for

How much can I borrow on a Buy to Let mortgage?

£
Per month/per property - We've calculated this from our average customer
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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

Next see the deals you qualify for

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.

Loan to value ratio calculator

£
We've calculated this from our average customer
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£
This value has been customised for you
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£
This value has been customised for you
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%
This value has been customised for you
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Enter the values above to calculate your LTV

Your results
Your LTV:
X%
Loan amount:
£X
Deposit amount:
£X
Next see the deals you qualify for

Stamp duty calculator

£
We've calculated this from our average customer
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We've calculated this from our average customer
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Enter the values above to calculate how much stamp duty you will pay

Your results
Total stamp duty will be:
£X
The table below shows .you how this is broken down.
Range
Cost
You pay X% up to £X
£X
Total
£X
Next see the deals you qualify for

How much would making overpayments save me on my mortgage?

£
This value has been customised for you
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%
This value has been customised for you
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yrs
Loans are typically over 25 years, so we've defaulted to that for you
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One off payments
£
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Regular overpayments
£
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Enter the values above to calculate how much your mortgage will cost

Your results
By making the overpayments above you would:
Pay £X less in interest
By making the overpayments above you would:
Reduce your mortgage term by X
Next see the deals you qualify for

What will happen if interest rates rise or fall?

£
This value has been customised for you
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yrs
Loans are typically over 25 years, so we've defaulted to that for you
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%
This value has been customised for you
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%
We've defaulted to a value we think is realistic
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Enter the values above to calculate what will happen if interest rates rise or fall

Your results
Current Payment:
£X
New Payment:
£X
Next see the deals you qualify for

How much interest will I earn?

£
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%
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Enter the values above to see how much interest you will earn

Your results
Monthly Interest:
£X
Tax Rate:
X%

Our life insurance cost calculator

Find out how much over you need with our life insurance calculator.
About your family
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yrs
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About your liabilities
£
This value has been customised for you
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About your income and assets
£
We’ve calculated this from our average customer
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£
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£
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£
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Enter the values above to see calculate how much life cover you require.

Your results
£X
The cover required to replace your income.
We’ve based this on 4 times your gross income, although the amount needed will depend on your circumstances.
£X
The cover required for supporting your children until they are 18.
The annual cost of supporting a child is £9760, according to the LV Cost of a Child report Jan 2015.
£X
The cover required for supporting your children through university.
The annual cost of supporting a child is £13345, according to the LV Cost of a Child report Jan 2015.
£X
The cover required for paying your rent or mortgage
The amount needed to repay your mortgage or to cover 4 years of rent payments based on the figures you entered.
£X
The cover required for covering your loans and credit cards.
The amount needed to repay your mortgage or to cover 4 years of rent payments based on the figures you entered.
£X
Take off your current assets.
We’ve deducted the amount of life cover, savings and assets you have currently.
£X
The minimum level of life insurance we think you should have.
We’ve deducted the amount of life cover, savings and assets you have currently.

How much should I save?

£
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£
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%
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How would you like to calculate?
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£
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yrs
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Enter the values above to calculate how much you need to save

Your results
The amount you would need to save per month:
£X
To reach your required amount it will take you:
X
Next see the deals you qualify for

Would an offset mortgage work for me?

£
This value has been customised for you
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%
This value has been customised for you
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yrs
Loans are typically over 25 years, so we've defaulted to that for you
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£
Enter any set up fees
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Your savings
£
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%
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£
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The offset mortgage
%
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£
Enter any set up fees
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yrs
Example message to come from the form
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Enter the values above to see how much your mortgage will cost.

Your results
Standard mortgage
On a standard mortgage, your monthly payment would be £X and you would pay £X in interest over the comparison term. You would also earn £X interest on your savings. The annual net interest cost is show in red of the graph.
Offset mortgage
On a offset mortgage, your monthly payment would be £X and you would pay £X in interest over the comparison term. The annual net interest cost is show in white of the graph.
Next see the deals you qualify for

Body Mass Index

cm
We've calculated this from our average customer
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kg
We've calculated this from our average customer
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Enter the values above to calculate your BMI

Your results
Your BMI is X

Compare two mortgage rates

Basic details
£
We've calculated this from our average customer
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£
This value has been customised for you
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yrs
Loans are typically over 25 years, so we've defaulted to that for you
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Current rate
%
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£
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months
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%
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Do you have a repayment charge?
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£
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months
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Compare rate
%
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£
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months
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%
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months
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Enter the values above to compare two mortgages

Your results
Over 24 months your current rate will cost:
£X
The comparison rate will cost:
£X
Next see the deals you qualify for

What’s the likely rental income?

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Enter the values above to calculate how much rent to charge

Your results
Rental value:
£X
An upper value of £X and a lower value of £X is likely.
Next see the deals you qualify for
Leading the way...fee free.

L&C is an award-winning mortgage broker

We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice. Our dedication to providing our customers with a first class mortgage service has helped us win over 160 awards since 2002, more than any other mortgage broker. In fact we’ve won the most prestigious awards in our industry on numerous occasions. You can see them all in our awards gallery.

What Mortgage
Awards

Best mortgage broker 2024

Legal & General Business Quality Awards

Outstanding customer service outcome (51+ employees) 2022

The Personal Finance
Awards

Best mortgage broker (40 advisors and over) 2023

Word of mouth

Doing a good job is important to us, so we’re always delighted to receive positive feedback from our customers.

Read all reviews
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Important notice

If you complete on a mortgage through L&C, L&C will be paid a commission by the chosen lender. L&C will share a percentage of this commission with the referring third party. The commission L&C receives doesn't affect the product or rate recommended to you.

If you complete on a mortgage through L&C, L&C will be paid a commission by the chosen lender. L&C may choose to share a percentage of this commission with the referring third party. The commission L&C receives doesn't affect the product or rate recommended to you.