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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.




HOW MORTGAGE BROKERS ARE PAID



Many mortgage brokers charge a fee.



Fee: £250 - £3,272*

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*Based on 1.5% of our typical loan amount as of April 2024


DON’T PAY EXTRA



You’ll pay no more applying through us than you would going directly to the
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application right through to completion.

And, if a better deal becomes available before you complete, we can swap you on
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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.


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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
Allied Irish Bank
3.79%
then 7.35% (variable)
5.8% APRC
Learn more

Allied Irish Bank
3.89%
then 7.35% (variable)
5.9% APRC
Learn more

Allied Irish Bank
4.05%
then 7.35% (variable)
5.9% 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
West One
2.49%
then 9.74% (variable)
8.2% APRC
Learn more

West One
2.59%
then 9.74% (variable)
8.2% APRC
Learn more

West One
2.59%
then 9.74% (variable)
8.2% APRC
Learn more


See all Buy to Let mortgage best buys

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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
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Applicant 2’s income
£
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

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You could borrow up to:
Up to £X
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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
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WHAT WILL MY MONTHLY MORTGAGE REPAYMENTS BE?

How much do you want to borrow?
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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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%
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Enter the values above to calculate how much your mortgage will cost

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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



COMPARE TWO MORTGAGE RATES


Basic details
Property value
£
We've calculated this from our average customer
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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
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Current rate
Rate
%
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Fees
£
Error message
Scheme type
FixedVariable
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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




BUYING A HOME BECOMING MORE AFFORDABLE



Affordability pressures are showing signs of easing, according to Halifax, with
strong wage growth and modest house price inflation helping buyers’ incomes
stretch further.



November 29, 2024

Tag

Read more



RIGHT TO BUY REFORMS: WHAT THEY COULD MEAN FOR YOU



The Government has proposed making significant changes to the Right to Buy
scheme with the aim of boosting social housing stock, including the level of
discount offered and how long tenants must live there before they qualify.



November 25, 2024

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Read more



WILL HIGHER INFLATION LEAD TO STEEPER MORTGAGE COSTS?



Inflation increased to 2.3% in the year to October to reach its highest level
for six months, triggering fears that mortgage rates may follow suit.



November 22, 2024

Tag

Read more



FEAR OF ‘PROPERTY POVERTY’ FAILS TO DETER FIRST-TIME BUYERS



One in 20 first-time buyers are worried that if they manage to get onto the
property ladder, they’ll have nothing left to live on, research by Yorkshire
Building Society has found.



November 21, 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 £225,134 payable over 24 years, initially
on a fixed rate until 30/09/26 at 4.88% and then on a variable rate of 6.99% for
the remaining 22 years would require 26 payments of £1328.29 followed by 262
payments of £1,593.54. The total amount payable would be £453,042 made up of the
loan amount plus interest (£226,909) and fees (£999). The overall cost for
comparison is 6.8% 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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