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SEE TODAY’S 
MORTGAGE RATES




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GET A MORTGAGE IN PRINCIPLE


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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.




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
Provider
Initial rate
Overall cost for comparison
Santander
4.2%
then 7.50% (variable)
6.1% APRC
Learn more

HSBC
4.22%
then 6.99% (variable)
5.8% APRC
Learn more

Barclays
4.23%
then 8.74% (variable)
6.8% APRC
Learn more


See all mortgage best buys



LATEST BUY TO LET MORTGAGE BEST BUYS

Based on a mortgage of £125,000 at 50% LTV
Provider
Initial rate
Overall cost for comparison
The Mortgage Works
3.69%
then 8.49% (variable)
7.5% APRC
Learn more

Zephyr
3.74%
then 10.25% (variable)
8.8% APRC
Learn more

The Mortgage Works
3.79%
then 8.99% (variable)
7.9% APRC
Learn more


See all Buy to Let mortgage best buys

The best things in life are free



HANDY TOOLS AND CALCULATORS



Practical gadgets to help keep things simple

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Select a calculator
How much can I borrow?
What will my monthly mortgage repayments be?
Should I change mortgage provider?
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SEE HOW MUCH YOU CAN BORROW ON A MORTGAGE

Applicant 1’s income
£
We've calculated this from our average customer
Error message
Applicant 2’s income
£
We've left this blank, but add in your partners income if relevant
Error message

Enter the values above to calculate how much you can borrow

Your results
You could borrow up to:
Up to £X
Close

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

Calculate
Next see the deals you qualify for



WHAT WILL MY MONTHLY MORTGAGE REPAYMENTS BE?

How much do you want to borrow?
£
This value has been customised for you
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Over how many years?
yrs
Loans are typically over 25 years, so we've defaulted to that for you
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Interest rate
%
This value has been customised 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.


Calculate
Next see the deals you qualify for



CALCULATE THE COST OF DOING NOTHING

If you're one of the many borrowers currently on or about to slip onto a
lender's standard variable rate (SVR), it could cost you thousands. Fill in some
basic details below and we'll show you what the cost could be.
Property value
£
We've calculated this from our average customer
Error message
How much do you want to borrow?
£
This value has been customised for you
Error message
Remaining mortgage term
yrs
Loans are typically over 25 years, so we've defaulted to that for you
Error message
Loan type
RepaymentInterest Only
Error message
Current rate
Rate
%
Error message
Fees
£
Error message
Scheme type
FixedVariable
Error message
Remaining scheme length
months
Error message
Follow on rate
%
Error message
Do you have a repayment charge?
No
Yes
Error message
ERC amount
£
Error message
Remaining ERC Term
months
Error message
Add to loan?
YesNo
Error message
Compare rate
Rate
%
Error message
Fees
£
Error message
Scheme type
FixedVariable
Error message
Remaining scheme length
months
Error message
Follow on rate
%
Error message
Compare over
months
Error message
Where interest rates are going to
Stay steadyRise slowlyRise sharplyRise then fall
Error message

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

Calculate
Next see the deals you qualify for



HOW MUCH IS MY HOUSE WORTH?

Number

Error message
Flat Number

Error message
Building Name

Error message
Street

Error message
Postcode

Error message

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.
Calculate
Expert. Honest. Free.



LATEST MORTGAGE NEWS


View all mortgage news




WHAT THE JULY 2024 ELECTION COULD MEAN FOR THE HOUSING MARKET



A summary of the property & mortgage-related items in the main political
parties' manifestos ahead of the July 2024 general election.



June 25, 2024

Tag

Read more



BASE RATE HELD AT 5.25% FOR SEVENTH CONSECUTIVE TIME



The Bank of England’s Monetary Policy Committee (MPC) voted 7-2 to hold base
rate at 5.25% for the seventh consecutive time in June, with homeowners hoping
to see a cut later this summer. Two members voted for a 0.25% cut to 5%.



June 21, 2024

Tag

Read more



LONGER MORTGAGE TERMS ON THE RISE



Growing numbers of borrowers are choosing longer mortgage terms so they can keep
their monthly payments down and meet lenders’ affordability requirements.



June 19, 2024

Tag

Read more



HOUSE PRICES REMAIN STABLE IN MAY



House prices remained resilient in May, edging down a modest 0.1%, according to
Halifax, with lower inflation combined with strong wage growth helping boost
consumer confidence.



June 14, 2024

Tag

Read more

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Think carefully before securing other debts against your home. Your home or
property may be repossessed if you do not keep up repayments on your mortgage.



Representative example A mortgage of £218,181 payable over 24 years, initially
on a fixed rate until 31/07/26 at 4.71% and then on a variable rate of 6.99% for
the remaining 22 years would require 27 payments of £1,266.09 followed by 261
payments of £1,541.62. The total amount payable would be £437,546 made up of the
loan amount plus interest (£218,366) and fees (£999). The overall cost for
comparison is 6.7% APRC representative.



London & Country Mortgages Ltd, Unit 26 (2.06), Newark Works, 2 Foundry Lane,
Bath, BA2 3GZ is a company limited by shares. Our Companies House number is
1988608. We are also authorised and regulated by the Financial Conduct
Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let
mortgages.


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