Compare mortgages

OnTheMarket has teamed up with L&C, the UK's leading fee free mortgage broker, to offer you expert advice on the right deal. Whether you're a first time buyer, moving home, or buying a Buy to Let, use the tools below to see how much you could borrow, and the mortgages, rates and monthly payments you could potentially apply for.

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Compare 1000s of mortgage rates & deals

View today's best mortgage deals and find out if L&C could help save you time and money by switching to a better rate.

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Matching mortgages

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Try sorting by annual cost

L&C annual cost

Comparing mortgages isn’t easy. Sometimes deals look attractive because they have a low initial rate, but you also need to take into account any fees that come with the mortgage deal. We recommend annual cost as the best way to see which mortgage deal offers the best value for the size of mortgage you’re looking to take.

This is how we calculate the annual cost:

  • We add up all the fees associated with the mortgage deal and deduct any cash back to find total fees
  • We then divide the total fees by the number of months the initial mortgage rate lasts to find the total fees per month
  • We add the total fees per month to your monthly mortgage payment and multiply by 12 to calculate the annual cost

By comparing mortgage deals looking at annual cost you can see which one would be cheapest for you taking into account fees as well as the interest rate. The annual cost only applies to the initial deal as its always best to consider switching once the initial deal is over to see if you could save money.

Provider

Who is lending the money and what sort of mortgage is it.

Details

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

Initial rate

The rate you will pay at the start of your mortgage.

Monthly repayments

Your monthly payment when your mortgage starts, based on the loan amount you entered.

Scheme fees

The total of the lender's booking, arrangement and valuation fees.

Annual cost

The annualised cost of this mortgage.

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Max LTV X%: X% discount for X years
Fixed for 5 years
Initial rate
X%
Then X% (variable)
Monthly repayments
£X
Scheme fees
£X
Annual cost
£X
Early repayment charge:
Max LTV X% ERC
Overall cost for comparison: X% APRC

APRC stands for Annual Percentage Rate of Charge. It shows you the total cost of a mortgage, including fees, over the entire term of the loan.

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Fees and charges
  • Booking fee
    £X
  • Arrangement fee
    £X
  • Valuation fee
    £X
  • Other fees
    £X
  • Cashback
    £X
Flexibility
  • Overpayment allowed?
    X% p/a
  • Early repayment charge:
    ERC Text
Fees and charges
  • Exit fee
    £X
  • Estimated legals
    Payable

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Fee free since 1999

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

Find the best mortgage deal for you

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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

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.