L&C Mortgages best buys

When compiling our best buy tables we choose the best mortgage deals from the whole UK market, including deals that are exclusive to us.

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Last updated : 17/04/2014 17:14:56

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For a selection of the latest buy to let mortgage deals, click here.
 lenderScheme TypeInitial RateSubsequent RateOverall Cost for Comparison (APR)Max LTVLender Fee £Help With CostsEarly repayment chargesMonthly paymentAverage annual cost 
NationwideFixed for 2 years2.34%3.99%3.8%60%£99Free basic valuation, Free basic legal workSome£528.36 *£6,465 *
SkiptonFixed until 31/05/162.39%5.49%5.0%60%£0Free basic valuation, Free basic legal workSome£531.34 *£6,481 *
NationwideFixed for 2 years2.39%3.99%3.8%70%£99Free basic valuation, Free basic legal workSome£531.34 *£6,501 *
Woolwich (Barclays)Fixed until 30/06/162.69%3.89%3.7%60%£0Free basic valuation, Free basic legal workSome£549.48 *£6,527 *
CoventryFixed until 31/03/162.35%4.74%4.3%65%£199Free basic valuation, Free basic legal workSome£528.95 *£6,553 *
Leeds BSFixed until 30/06/162.29%5.69%5.2%65%£199Free basic valuation, Free basic legal workSome£525.38 *£6,571 *
NatWestFixed until 31/07/162.59%4.00%3.8%60%£0Free basic valuation, Free basic legal workSome£543.39 *£6,571 *
AccordFixed until 30/06/161.89%5.99%5.4%65%£475 Some£501.92 *£6,590 *
NatWestFixed until 31/07/161.95%4.00%3.8%60%£995Free basic valuation, Free basic legal workSome£505.40 *£6,593 *
Hinckley & RugbyFixed for 2 years1.85%5.64%5.0%60%£990Free basic valuation, Free basic legal workNone£499.62 *£6,596 *
NatWestFixed until 31/07/172.69%4.00%3.7%60%£0Free basic valuation, Free basic legal workSome£549.48 *£6,628 *
NatWestFixed until 31/07/162.69%4.00%3.8%70%£0Free basic valuation, Free basic legal workSome£549.48 *£6,644 *
SkiptonFixed until 31/05/161.89%5.49%1.9%60%£995Free basic valuation, Free basic legal workSome£501.92 *£6,647 *
SkiptonFixed until 31/05/172.68%5.49%4.8%60%£0Free basic valuation, Free basic legal workSome£548.87 *£6,655 *
Virgin MoneyFixed until 01/07/172.75%4.79%4.3%70%£99Free basic valuation, Free basic legal workSome£553.15 *£6,690 *
Hinckley & RugbyFixed for 2 years1.99%5.64%5.0%70%£990Free basic valuation, Free basic legal workNone£507.73 *£6,693 *
Leeds BSFixed until 30/06/162.49%5.69%5.2%75%£199Free basic valuation, Free basic legal workSome£537.35 *£6,715 *
SkiptonFixed until 31/05/161.99%5.49%2.0%70%£995Free basic valuation, Free basic legal workSome£507.73 *£6,717 *
Woolwich (Barclays)Fixed until 30/06/162.09%3.89%3.7%60%£999Free basic valuation, Free basic legal workSome£513.57 *£6,720 *
CoventryFixed until 31/03/162.59%4.74%4.3%75%£199Free basic valuation, Free basic legal workSome£543.39 *£6,726 *
AccordFixed until 30/06/162.09%5.99%5.4%65%£475 Some£513.57 *£6,730 *
AccordFixed until 30/06/162.49%5.99%5.5%80%£475Free basic valuation, Free basic legal workSome£537.35 *£6,731 *
SkiptonFixed until 31/05/162.38%5.49%5.0%75%£495Free basic valuation, Free basic legal workSome£530.75 *£6,732 *
SkiptonFixed until 31/05/172.88%5.49%4.9%75%£0Free basic valuation, Free basic legal workSome£561.15 *£6,803 *
NatWestFixed until 31/07/172.49%4.00%3.8%70%£995Free basic valuation, Free basic legal workSome£537.35 *£6,805 *
NottinghamFixed until 01/08/162.69%5.99%5.6%80%£199Free basic valuation, Free basic legal workSome£549.48 *£6,812 *
Leeds BSFixed until 30/06/162.64%5.69%5.3%80%£199Free basic valuation, Free basic legal workSome£546.43 *£6,824 *
AccordFixed until 30/06/172.54%5.99%5.2%75%£475 Some£540.36 *£6,862 *
SkiptonFixed until 31/05/162.58%5.49%5.1%80%£495Free basic valuation, Free basic legal workSome£542.79 *£6,877 *
CoventryFixed until 31/03/162.19%4.74%4.3%65%£999Free basic valuation, Free basic legal workNone£519.45 *£6,895 *
Leeds BSFixed until 31/05/172.85%5.69%5.1%65%£199Free basic valuation, Free basic legal workSome£559.30 *£6,895 *
Hinckley & RugbyFixed for 2 years2.29%5.64%5.0%80%£990Free basic valuation, Free basic legal workNone£525.38 *£6,905 *
West BromwichFixed until 30/06/162.49%3.99%3.8%75%£399Free basic valuation (up to £525), Free basic legal workSome£537.35 *£6,913 *
SkiptonFixed until 31/05/172.58%5.49%4.9%75%£995Free basic valuation, Free basic legal workSome£542.79 *£6,924 *
ClydesdaleFixed until 30/06/162.29%4.95%4.6%75%£999Free basic valuation, Free basic legal workSome£525.74 *£6,926 *
Virgin MoneyFixed until 01/07/172.64%4.79%4.4%75%£1094Free basic valuation, Free basic legal workSome£546.43 *£6,931 *
Woolwich (Barclays)Fixed until 30/06/163.25%3.89%3.8%80%£0Free basic valuation, Free basic legal workSome£584.28 *£6,944 *
FurnessFixed for 2 years2.75%5.44%5.3%80%£499Free basic valuation, Free basic legal workSome£553.15 *£6,955 *
NottinghamFixed until 01/08/162.39%5.99%5.6%80%£999Free basic valuation, Free basic legal workSome£531.34 *£6,964 *
NewcastleFixed until 30/06/162.98%5.99%5.5%80%£0Free basic valuation (up to £450), Free basic legal workSome£567.35 *£6,964 *
CoventryFixed until 31/03/162.29%4.74%4.3%65%£999Free basic valuation, Free basic legal workSome£525.38 *£6,967 *
Virgin MoneyFixed until 01/07/163.09%4.79%4.5%80%£99Free basic valuation, Free basic legal workSome£574.21 *£6,967 *
West BromwichFixed until 30/06/162.59%3.99%3.8%80%£399Free basic valuation, Free basic legal workSome£543.39 *£6,985 *
Hinckley & RugbyFixed for 3 years2.69%5.64%4.9%80%£990Free basic valuation, Free basic legal workNone£549.48 *£6,994 *
AccordFixed until 30/06/172.74%5.99%5.3%75%£475 Some£552.53 *£7,008 *
ClydesdaleFixed until 30/06/172.69%4.95%5.0%60%£999Free basic valuation, Free basic legal workSome£549.89 *£7,010 *
NatWestFixed until 31/07/172.79%4.00%3.8%75%£995Free basic valuation, Free basic legal workSome£555.60 *£7,024 *
NottinghamFixed until 01/05/172.69%5.99%5.4%80%£999Free basic valuation, Free basic legal workSome£549.48 *£7,031 *
PrincipalityFixed until 31/05/173.09%4.99%4.8%75%£99Free basic valuation, Free basic legal workSome£574.21 *£7,036 *
Leeds BSFixed until 31/05/173.05%5.69%5.1%75%£199Free basic valuation, Free basic legal workSome£571.71 *£7,043 *
AbbeyFixed until 02/07/172.69%4.74%4.3%70%£995Free basic valuation, Free basic legal workSome£549.48 *£7,059 *
NationwideFixed for 2 years3.19%3.99%3.9%80%£99Free basic valuation, Free basic legal workSome£580.49 *£7,091 *
NationwideFixed for 5 years3.29%3.99%3.7%70%£99Free basic valuation, Free basic legal workSome£586.82 *£7,092 *
NatWestFixed until 31/07/193.09%4.00%3.8%60%£995Free basic valuation, Free basic legal workSome£574.21 *£7,107 *
CoventryFixed until 31/03/162.49%4.74%4.4%75%£999Free basic valuation, Free basic legal workSome£537.35 *£7,110 *
AbbeyFixed until 02/07/193.29%4.74%4.3%75%£0Free basic valuation, Free basic legal workSome£586.82 *£7,128 *
SkiptonFixed until 31/05/173.09%5.49%5.0%80%£495Free basic valuation, Free basic legal workSome£574.21 *£7,129 *
AbbeyFixed until 02/07/163.14%4.74%4.6%80%£0Free basic valuation, Free basic legal workSome£577.35 *£7,140 *
AccordFixed until 30/06/172.74%5.99%5.3%80%£975 Some£552.53 *£7,175 *
West BromwichFixed until 30/06/162.79%3.99%3.9%85%£499Free basic valuation (up to £525), Free basic legal workSome£555.60 *£7,182 *
NatWestFixed until 31/07/193.19%4.00%3.8%70%£995Free basic valuation, Free basic legal workSome£580.49 *£7,182 *
Virgin MoneyFixed until 01/07/193.18%4.79%4.3%70%£1094Free basic valuation, Free basic legal workSome£579.87 *£7,185 *
AccordFixed until 30/06/193.19%5.99%5.0%75%£475 Some£580.49 *£7,193 *
AbbeyFixed until 02/07/193.39%4.74%4.0%70%£0Free basic valuation, Free basic legal workSome£593.18 *£7,205 *
Leeds BSFixed until 31/05/173.29%5.69%5.2%80%£199Free basic valuation, Free basic legal workSome£586.82 *£7,225 *
ClydesdaleFixed until 30/06/172.99%4.95%4.5%75%£999Free basic valuation, Free basic legal workSome£568.43 *£7,232 *
Woolwich (Barclays)Fixed until 30/06/193.25%3.89%3.8%60%£999Free basic valuation, Free basic legal workSome£584.28 *£7,234 *
NottinghamFixed until 01/05/163.24%5.99%5.7%85%£199Free basic valuation, Free basic legal workSome£583.65 *£7,251 *
Virgin MoneyFixed until 01/07/193.54%4.79%4.4%75%£99Free basic valuation, Free basic legal workSome£602.79 *£7,265 *
CoventryFixed until 31/03/193.49%4.49%4.2%65%£199Free basic valuation, Free basic legal workSome£599.58 *£7,271 *
NationwideFixed for 3 years3.49%3.99%3.9%80%£99Free basic valuation, Free basic legal workSome£599.58 *£7,278 *
Leeds BSFixed until 30/06/162.29%5.69%5.3%75%£999 Some£525.38 *£7,288 *
ClydesdaleFixed until 30/06/162.79%4.95%4.7%80%£999Free basic valuation, Free basic legal workSome£556.03 *£7,290 *
FurnessFixed for 2 years2.89%5.44%5.3%85%£995Free basic valuation, Free basic legal workSome£561.77 *£7,306 *
Leeds BSFixed until 30/06/163.29%5.69%5.4%85%£199Free basic valuation, Free basic legal workSome£586.82 *£7,309 *
Virgin MoneyFixed until 01/07/173.15%4.79%4.5%80%£1094Free basic valuation, Free basic legal workSome£577.98 *£7,310 *
Woolwich (Barclays)Fixed until 30/06/193.35%3.89%3.8%70%£999Free basic valuation, Free basic legal workSome£590.63 *£7,310 *
SkiptonFixed until 31/05/193.59%5.49%4.8%75%£0Free basic valuation, Free basic legal workSome£606.02 *£7,313 *
AccordFixed until 30/06/172.94%5.99%5.4%80%£975 Some£564.86 *£7,323 *
SkiptonFixed until 31/05/163.19%5.49%5.4%85%£495Free basic valuation, Free basic legal workSome£580.49 *£7,329 *
PrincipalityFixed until 31/05/163.39%4.99%4.9%85%£99Free basic valuation, Free basic legal workSome£593.18 *£7,339 *
AccordFixed until 30/06/193.39%5.99%5.1%75%£475 Some£593.18 *£7,345 *
SkiptonFixed until 31/05/193.39%5.49%4.8%75%£995Free basic valuation, Free basic legal workSome£593.18 *£7,361 *
NottinghamFixed until 01/04/173.49%6.14%5.5%85%£199Free basic valuation, Free basic legal workSome£599.58 *£7,362 *
Woolwich (Barclays)Fixed until 30/06/193.74%3.89%3.9%80%£0Free basic valuation, Free basic legal workSome£615.74 *£7,362 *
CoventryFixed until 31/03/163.45%4.74%4.5%85%£199Free basic valuation, Free basic legal workSome£597.01 *£7,369 *
NatWestFixed until 31/07/163.65%4.00%4.1%85%£0Free basic valuation, Free basic legal workSome£609.90 *£7,369 *
NatWestFixed until 31/07/193.70%4.00%4.0%75%£0Free basic valuation, Free basic legal workSome£613.14 *£7,378 *
PrincipalityFixed until 31/05/183.59%4.99%4.8%75%£99Free basic valuation, Free basic legal workSome£606.02 *£7,381 *
AccordFixed until 30/06/162.99%5.99%5.6%85%£475 Some£567.97 *£7,383 *
ClydesdaleFixed until 30/06/173.19%4.95%4.6%80%£999Free basic valuation, Free basic legal workSome£580.98 *£7,383 *
SkiptonFixed until 31/05/173.65%5.49%5.1%85%£0Free basic valuation, Free basic legal workSome£609.90 *£7,388 *
SkiptonFixed until 31/05/173.46%5.49%5.1%85%£495Free basic valuation, Free basic legal workSome£597.65 *£7,411 *
CoventryFixed until 31/03/193.49%4.49%4.3%65%£999Free basic valuation, Free basic legal workSome£599.58 *£7,439 *
ClydesdaleFixed until 30/06/193.49%4.95%4.5%75%£999Free basic valuation, Free basic legal workSome£600.10 *£7,448 *
CoventryFixed until 31/03/193.75%4.49%4.3%75%£199Free basic valuation, Free basic legal workSome£616.40 *£7,472 *
NottinghamFixed until 01/08/163.09%6.14%5.7%85%£999Free basic valuation, Free basic legal workSome£574.21 *£7,478 *
AbbeyFixed until 02/07/163.59%4.74%4.7%85%£0Free basic valuation, Free basic legal workSome£606.02 *£7,484 *
FurnessFixed for 3 years3.39%5.44%5.2%85%£995Free basic valuation, Free basic legal workSome£593.18 *£7,495 *
West BromwichFixed until 30/06/193.49%3.99%3.9%75%£999Free basic valuation (up to £525), Free basic legal workSome£599.58 *£7,501 *
NationwideFixed for 2 years3.74%3.99%4.1%85%£99Free basic valuation, Free basic legal workSome£615.74 *£7,514 *
AbbeyFixed until 02/07/193.79%4.74%4.4%80%£0Free basic valuation, Free basic legal workSome£619.01 *£7,515 *
Woolwich (Barclays)Fixed until 30/06/163.99%4.24%4.3%85%£0Free basic valuation, Free basic legal workSome£632.15 *£7,519 *
AccordFixed until 30/06/193.49%5.99%5.1%80%£975 Some£599.58 *£7,522 *
ClydesdaleFixed until 30/06/193.59%4.95%4.5%80%£999Free basic valuation, Free basic legal workSome£606.56 *£7,526 *
AccordFixed until 30/06/163.19%5.99%5.6%85%£475 Some£580.49 *£7,533 *
Leeds BSFixed until 31/05/173.70%5.69%5.3%85%£199Free basic valuation, Free basic legal workSome£613.14 *£7,540 *
Woolwich (Barclays)Fixed until 30/06/193.99%3.89%4.0%80%£0Free basic valuation, Free basic legal workSome£632.15 *£7,559 *
Woolwich (Barclays)Fixed until 30/06/193.69%3.89%3.9%80%£999Free basic valuation, Free basic legal workSome£612.49 *£7,573 *
PrincipalityFixed until 31/05/173.79%4.99%4.9%85%£99Free basic valuation, Free basic legal workSome£619.01 *£7,573 *
Leeds BSFixed until 30/06/193.84%5.69%5.1%80%£199Free basic valuation, Free basic legal workSome£622.28 *£7,574 *
Virgin MoneyFixed until 01/07/193.69%4.79%4.4%80%£1094Free basic valuation, Free basic legal workSome£612.49 *£7,577 *
West BromwichFixed until 30/06/193.59%3.99%3.9%80%£999Free basic valuation (up to £525), Free basic legal workSome£606.02 *£7,578 *
ClydesdaleFixed until 30/06/163.19%4.95%4.7%85%£999Free basic valuation, Free basic legal workSome£580.98 *£7,589 *
ClydesdaleFixed until 30/06/173.49%4.95%4.7%85%£999Free basic valuation, Free basic legal workSome£600.10 *£7,613 *
NatWestFixed until 31/07/193.75%4.00%4.1%80%£995Free basic valuation, Free basic legal workSome£616.40 *£7,613 *
NatWestFixed until 31/07/173.59%4.00%4.0%85%£995Free basic valuation, Free basic legal workSome£606.02 *£7,629 *
CoventryFixed until 31/03/193.75%4.49%4.4%75%£999Free basic valuation, Free basic legal workSome£616.40 *£7,641 *
Woolwich (Barclays)Fixed until 30/06/243.89%3.89%4.1%70%£1499Free basic valuation, Free basic legal workSome£625.56 *£7,668 *
AccordFixed until 30/06/193.69%5.99%5.2%80%£975 Some£612.49 *£7,677 *
Virgin MoneyFixed until 01/07/173.64%4.79%4.6%85%£1094Free basic valuation, Free basic legal workSome£609.25 *£7,685 *
AccordFixed until 30/06/173.64%5.99%5.5%85%£475 Some£609.25 *£7,689 *
West BromwichFixed until 30/06/193.99%3.99%4.1%85%£199Free basic valuation (up to £525), Free basic legal workSome£632.15 *£7,732 *
NationwideFixed for 5 years3.89%3.99%4.1%80%£999Free basic valuation, Free basic legal workSome£625.56 *£7,737 *
ClydesdaleFixed until 30/06/193.89%4.95%4.6%85%£999Free basic valuation, Free basic legal workSome£626.14 *£7,760 *
AbbeyFixed until 02/07/194.14%4.74%4.6%85%£0Free basic valuation, Free basic legal workSome£642.11 *£7,792 *
Leeds BSFixed until 31/05/173.40%5.69%5.3%85%£999 Some£593.82 *£7,800 *
SkiptonFixed until 31/05/193.98%5.49%5.0%85%£995Free basic valuation, Free basic legal workSome£631.49 *£7,821 *
SkiptonFixed until 31/05/194.28%5.49%5.1%85%£0Free basic valuation, Free basic legal workSome£651.48 *£7,859 *
West BromwichFixed until 30/06/163.74%3.99%4.0%90%£499Free basic valuation (up to £525), Free basic legal workSome£615.74 *£7,904 *
Virgin MoneyFixed until 01/07/164.35%4.79%4.7%90%£99Free basic valuation, Free basic legal workSome£656.19 *£7,951 *
AccordFixed until 30/06/194.19%5.99%5.4%85%£475 Some£645.44 *£7,972 *
Leeds BSFixed until 30/06/193.99%5.69%5.2%85%£999 Some£632.15 *£7,979 *
Hinckley & RugbyFixed for 2 years3.79%5.64%5.4%90%£990Free basic valuation, Free basic legal workNone£619.01 *£8,028 *
NottinghamFixed until 01/04/174.39%6.14%5.9%90%£199Free basic valuation, Free basic legal workSome£658.89 *£8,074 *
PrincipalityFixed until 31/05/183.99%4.99%4.9%85%£999 Some£632.15 *£8,102 *
AccordFixed until 30/06/194.39%5.99%5.5%85%£475 Some£658.89 *£8,133 *
West BromwichFixed until 30/06/194.49%3.99%4.3%90%£199Free basic valuation (up to £525), Free basic legal workSome£665.67 *£8,134 *
NatWestFixed until 31/07/194.69%4.00%4.4%85%£0Free basic valuation, Free basic legal workSome£679.33 *£8,173 *
Virgin MoneyFixed until 01/07/174.69%4.79%4.7%90%£99Free basic valuation, Free basic legal workSome£679.33 *£8,203 *
ClydesdaleFixed until 30/06/163.99%4.95%4.9%90%£999Free basic valuation, Free basic legal workSome£632.74 *£8,210 *
NottinghamFixed until 01/05/194.65%5.99%5.7%90%£199Free basic valuation, Free basic legal workSome£676.59 *£8,216 *
MansfieldFixed for 2 years3.85%5.59%5.6%90%£999Refunded basic valuationSome£622.93 *£8,224 *
NottinghamFixed until 01/05/163.99%5.99%6.0%90%£999Free basic valuation, Free basic legal workSome£632.15 *£8,250 *
AccordFixed until 30/06/164.14%5.99%5.8%90%£475 Some£642.11 *£8,273 *
SkiptonFixed until 31/05/174.39%5.49%5.5%90%£995Free basic valuation, Free basic legal workSome£658.89 *£8,317 *
ClydesdaleFixed until 30/06/174.39%4.95%5.0%90%£999Free basic valuation, Free basic legal workSome£659.53 *£8,326 *
NatWestFixed until 31/07/164.29%4.00%4.2%90%£995Free basic valuation, Free basic legal workSome£652.15 *£8,354 *
SkiptonFixed until 31/05/164.19%5.49%5.5%90%£995Free basic valuation, Free basic legal workSome£645.44 *£8,369 *
ClydesdaleFixed until 30/06/194.69%4.95%5.0%90%£999Free basic valuation, Free basic legal workSome£680.01 *£8,407 *
NatWestFixed until 31/07/174.59%4.00%4.3%90%£995Free basic valuation, Free basic legal workSome£672.48 *£8,427 *
AccordFixed until 30/06/164.34%5.99%5.9%90%£475 Some£655.51 *£8,433 *
SkiptonFixed until 31/05/194.79%5.49%5.5%90%£995Free basic valuation, Free basic legal workSome£686.22 *£8,478 *
AccordFixed until 30/06/194.84%5.99%5.7%90%£475 Some£689.68 *£8,503 *
NatWestFixed until 31/07/195.09%4.00%4.5%90%£0Free basic valuation, Free basic legal workSome£707.10 *£8,506 *
Woolwich (Barclays)Fixed until 30/06/164.49%4.24%4.4%90%£999Free basic valuation, Free basic legal workSome£665.67 *£8,545 *
SkiptonFixed until 31/05/163.89%5.49%5.5%90%£1995Free basic valuation, Free basic legal workSome£625.56 *£8,653 *
AccordFixed until 30/06/195.04%5.99%5.8%90%£475 Some£703.60 *£8,670 *
NatWestFixed until 31/07/164.69%4.00%4.2%90%£995Free basic valuation, Free basic legal workSome£679.33 *£8,680 *
Woolwich (Barclays)Fixed until 30/06/195.19%4.24%4.0%90%£499Free basic valuation, Free basic legal workSome£714.13 *£8,692 *
NewcastleFixed until 30/06/195.49%5.99%6.0%95%£0Free basic valuation (up to £450), Free basic legal workSome£735.43 *£8,888 *
NewcastleFixed until 30/06/165.39%5.99%6.1%95%£0Free basic valuation (up to £450), Free basic legal workSome£728.29 *£8,896 *
Hinckley & RugbyFixed for 2 years4.89%5.64%5.6%95%£990Free basic valuation, Free basic legal workNone£693.14 *£8,918 *

* These figures are based on a loan of £120,000 on a repayment basis over 25 years.

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London & Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA 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.