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Mortgages Get started Browse mortgage best buys Find out how much you can borrow Get a mortgage quote Get a mortgage in principle Mortgages for Buying a home First time buyers Remortgaging Buying to let Mortgage guides What is own new rate reducer? Buying a leasehold property - how does the conveyancing process work? Buying a property - how does the conveyancing process work? All mortgage guides Mortgage calculators How much can I borrow? How much will it cost? How much stamp duty will I pay? All calculators Discover all mortgages ProtectionConveyancing Resources Mortgage guides What is own new rate reducer? Buying a leasehold property - how does the conveyancing process work? Buying a property - how does the conveyancing process work? All mortgage guides Protection guides How to get a mortgage The cost of buying a house How do I remortgage my home? All protection guides News & Insights Bank of England holds base rate at 5.25% Marathon mortgage terms on the rise House prices see first annual rise in a year All news & insights WHAT ARE SOLICITORS SEARCHES WHEN BUYING A HOUSE? Read more About us Contact us About us Our people Awards Reviews Careers Search Contact Call our expert advisors 0808 292 0801 Call free from landline or mobile Log in Get started online Track your application FREE MORTGAGE ADVICE Voted the UK’s best mortgage broker for the 10th year running Mortgages Protection Conveyancing SEE YOUR MORTGAGE OPTIONS Buy a property Remortgage Get a mortgage quote EXPLORE LIFE COVER AND PROTECTION Find out about life cover & protection See all of our guides Get in touch about protection DISCOVER OUR CONVEYANCING SERVICES Find out about our conveyancing service See all of our guides Get in touch about conveyancing FREE ADVICE ON THE BEST MORTGAGE DEAL FOR YOU FROM ACROSS THE MARKET BE SURE YOU'LL QUALIFY BEFORE YOU APPLY RATE CHECK - SECURE A DEAL NOW & SWAP UP TO COMPLETION IF RATES CHANGE SUPPORT WITH YOUR APPLICATION RIGHT THROUGH TO COMPLETION SEE TODAY’S MORTGAGE RATES USE OUR HANDY ONLINE CALCULATORS HOW CAN WE DO THIS FOR FREE? GET A MORTGAGE IN PRINCIPLE Fee free since 1999 HOW CAN WE DO ALL THIS FOR FREE? All brokers receive a payment from the lender when the mortgage completes. Most other brokers charge customers a fee of between £250-£2,350. 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 Name X% then X% (variable) X% APRC Learn more Name X% then X% (variable) X% APRC Learn more Name X% then X% (variable) X% 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 Name X% then X% (variable) X% APRC Learn more Name X% then X% (variable) X% APRC Learn more Name X% then X% (variable) X% 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 See all calculators How much can I borrow? 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 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 Error message Over how many years? yrs Loans are typically over 25 years, so we've defaulted to that for you Error message Interest rate % This value has been customised for you Error message Payment type RepaymentInterest Only Error message Enter the values above to calculate how much your mortgage will cost Your results Your monthly payment will be: £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 Assuming interest rates stay the same The total amount you will pay over the term is: £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 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 calculate how much you can borrow 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 CAN I BORROW ON A BUY TO LET MORTGAGE? How much rent do you get or expect to get? £ Per month/per property - We've calculated this from our average customer 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 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 Next see the deals you qualify for LOAN TO VALUE RATIO CALCULATOR Property value £ We've calculated this from our average customer Error message I know my Deposit amountLoan amountLTV Error message Deposit amount £ This value has been customised for you Error message Loan amount £ This value has been customised for you Error message LTV % This value has been customised for you Error message Enter the values above to calculate your LTV Your results Your LTV: X% Loan amount: £X Deposit amount: £X Calculate Next see the deals you qualify for STAMP DUTY CALCULATOR What is the purchase price? £ We've calculated this from our average customer Error message Property location England and N.I.ScotlandWales We've calculated this from our average customer Error message Are you a first time buyer? NoYes Error message Is this an additional property, such as a rental property or second home? NoYes Error message Enter the values above to calculate how much you can borrow 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 Calculate Next see the deals you qualify for HOW MUCH WOULD MAKING OVERPAYMENTS SAVE ME ON MY MORTGAGE? Loan amount £ This value has been customised for you Error message Interest rate % 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 One off payments Amount £ Error message When Error message Add another payment Regular overpayments Amount £ Error message Frequency Every monthQuarterTwice yearlyAnnually Error message Enter the values above to calculate how much you can borrow 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 Calculate Next see the deals you qualify for WHAT WILL HAPPEN IF INTEREST RATES RISE OR FALL? Loan amount £ This value has been customised for you Error message Loan type RepaymentInterest Only Error message Term yrs Loans are typically over 25 years, so we've defaulted to that for you Error message Current rate % This value has been customised for you Error message Change % We've defaulted to a value we think is realistic Error message Enter the values above to calculate how much you can borrow Your results Current Payment: £X New Payment: £X Calculate Next see the deals you qualify for HOW MUCH INTEREST WILL I EARN? Savings amount £ Error message Interest rate % Error message Tax status Basic rateHigher rateAdditional rate Error message Enter the values above to see how much interest you will earn Your results Monthly Interest: £X £0 before tax. Not all accounts provide monthly interest. Tax Rate: X% Calculate Next see the deals you qualify for OUR LIFE INSURANCE COST CALCULATOR Find out how much over you need with our life insurance calculator. About your family Do you have a spouse/partner? NoYes Error message Child's age yrs Error message Add another child Will your children go to university NoYes Error message About your liabilities Outstanding mortgage £ This value has been customised for you Error message Monthly rent £ Error message Total personal loans £ Error message Total credit card balance £ Error message About your income and assets Your annual income £ We’ve calculated this from our average customer Error message Total savings £ Error message Existing life insurance policies £ Error message Other assets e.g car, jewellery £ Error message 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. Calculate Next see the deals you qualify for HOW MUCH COULD I SAVE? Target amount £ Error message Initial savings £ Error message Estimated growth % Error message How would you like to calculate? Monthly investment Terms (years) Error message Monthly investment £ Error message Terms yrs Error message 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 Calculate Next see the deals you qualify for WOULD AN OFFSET MORTGAGE WORK FOR ME? Loan amount £ This value has been customised for you Error message Interest rate % 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 Fees £ Enter any set up fees Error message Your savings Savings amount £ Error message Interest rate % Error message Monthly savings £ Error message Tax status Basic rateHigher rateAdditional rate Error message The offset mortgage Interest rate % Error message Fees £ Enter any set up fees Error message Compare over yrs Example message to come from the form Error message 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. Calculate Next see the deals you qualify for BODY MASS INDEX Your height cm We've calculated this from our average customer Error message Your weight kg We've calculated this from our average customer Error message Enter the values above to calculate your BMI Your results Your BMI is X Calculate Next see the deals you qualify for COMPARE TWO MORTGAGE RATES Basic details 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 calculate how much you can borrow 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 WHAT’S THE LIKELY RENTAL INCOME? 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 rent to charge Your results Rental value: £X An upper value of £X and a lower value of £X is likely. Calculate Next see the deals you qualify for Expert. Honest. Free. LATEST MORTGAGE NEWS View all mortgage news COULD 99% MORTGAGES BE ON THE CARDS? The Government is reportedly considering introducing 99% mortgages to help boost the number of first-time buyers getting onto the property ladder. February 15, 2024 Tag Read more WHAT ARE THE PROS AND CONS OF BUYING A PROPERTY JOINTLY? Nearly two-thirds of first time buyer mortgages (63%) are taken out in joint names according to Halifax. February 13, 2024 Tag Read more L&C CELEBRATES DOUBLE WIN AT THE BRITISH MORTGAGE AWARDS L&C scooped two awards at the prestigious 2018 British Mortgage Awards held last week in London. July 9, 2018 Tag Read more WHAT IS STAMP DUTY? A FACTSHEET Stamp Duty Land Tax is a tax which must be paid when you purchase a property in England or Northern Ireland that is above a certain value. November 3, 2020 Tag Read more Sign up to our newsletter Stay connected 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. About L&C * About us * Our people * Awards * Reviews * News & insights * Contact us Mortgages * Remortgage deals * First time buyer deals * Buying a home deals * Buy to let deals * View all mortgages Mortgages Guides * How to get a mortgage * The cost of buying a home * How do I remortgage my home? * Mortgage types explained * View all guides Mortgage Calculators * How much can I borrow? * How much will it cost? * How much will it cost to stay on your current mortgage? * How much stamp duty will I pay * View all calculators Remortgage deals First time buyer deals Moving home deals Buy to let deals © L&C Mortgages 2024. All rights reserved. Privacy StatementTerms of businessKeyfactsModern slavery policyGender pay gap reportSupporting our customersHow to complainComplaints data Close STAY UP-TO-DATE WITH OUR EMAIL NEWSLETTER Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt. Name: Email: First time buyer Remortgage Buy to let Moving Home I'm not sure By ticking this box you're opting-in to L&C's newsletter, plus information about products and services we think you may be interested in. Read our privacy policy here. We use cookies to improve your online experience. Our Essential cookies are necessary to make the site work and protect you, and we’d also like to use cookies to help understand how the website is used and personalise content and ads you see. Privacy Policy Manage or reject cookies Accept All Cookies PRIVACY PREFERENCE CENTER When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalized web experience. 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