L&C Mortgages best buys

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

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Last updated : 24/10/2014 12:53:15

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 lenderScheme TypeInitial RateSubsequent RateOverall Cost for Comparison (APR)Max LTVLender Fee £Help With CostsEarly repayment chargesMonthly paymentAverage annual cost 
NationwideFixed for 2 years2.24%3.99%3.5%60%£0Free basic valuation, Free basic legal workSome£522.41 *£6,337 *
NationwideFixed for 2 years2.29%3.99%3.6%75%£0Free basic valuation, Free basic legal workSome£525.38 *£6,372 *
Woolwich (Barclays)Fixed until 31/12/162.49%3.99%3.8%60%£0Free basic valuation, Free basic legal workSome£537.35 *£6,406 *
CoventryFixed until 31/12/161.99%4.74%4.2%65%£499Free basic valuation, Free basic legal workSome£507.73 *£6,423 *
NationwideFixed for 2 years1.84%3.99%3.5%60%£999Free basic valuation, Free basic legal workSome£499.04 *£6,556 *
CoventryFixed until 31/12/162.39%4.74%4.2%75%£199Free basic valuation, Free basic legal workSome£531.34 *£6,556 *
NationwideFixed for 3 years2.59%3.99%3.5%60%£0Free basic valuation, Free basic legal workSome£543.39 *£6,566 *
NationwideFixed for 2 years1.89%3.99%3.7%75%£999Free basic valuation, Free basic legal workSome£501.92 *£6,590 *
Woolwich (Barclays)Fixed until 31/12/161.94%3.99%3.8%75%£999Free basic valuation, Free basic legal workSome£504.82 *£6,615 *
NationwideFixed for 3 years2.69%3.99%3.5%70%£0Free basic valuation, Free basic legal workSome£549.48 *£6,639 *
NationwideFixed for 2 years2.69%3.99%3.7%80%£0Free basic valuation, Free basic legal workSome£549.48 *£6,662 *
CoventryOFFSET Fixed until 31/12/161.99%4.74%4.3%65%£999Free basic valuation, Free basic legal workSome£507.73 *£6,673 *
Woolwich (Barclays)Fixed until 31/12/172.29%3.99%3.7%60%£999Free basic valuation, Free basic legal workSome£525.38 *£6,676 *
CoventryFixed until 31/12/162.35%4.74%4.3%80%£499Free basic valuation, Free basic legal workSome£528.95 *£6,677 *
NationwideFixed for 3 years2.29%3.99%3.4%60%£999Free basic valuation, Free basic legal workSome£525.38 *£6,683 *
PrincipalityFixed until 31/10/162.50%4.99%4.8%75%£99Free basic valuation, Free basic legal workSome£537.95 *£6,687 *
CoventryFixed until 31/12/162.59%4.74%4.3%80%£199Free basic valuation, Free basic legal workSome£543.39 *£6,700 *
West BromwichFixed until 31/12/162.34%3.99%3.8%75%£199Free basic valuation (up to £525), Free basic legal workSome£528.36 *£6,705 *
NatWestFixed until 31/12/172.35%4.00%3.8%60%£995Free basic valuation, Free basic legal workSome£528.95 *£6,714 *
Leeds BSFixed until 30/11/162.84%5.69%5.3%80%£199Free basic valuation, Free basic legal workSome£558.68 *£6,722 *
NationwideFixed for 3 years2.39%3.99%3.6%70%£999Free basic valuation, Free basic legal workSome£531.34 *£6,754 *
AccordFixed until 31/12/162.14%5.99%4.9%65%£475 Some£516.51 *£6,765 *
AccordFixed until 31/12/162.54%5.99%5.0%80%£475Free basic valuation, Free basic legal workSome£540.36 *£6,767 *
AccordFixed until 31/12/162.89%5.99%5.2%85%£475Free basic valuation, Free basic legal workSome£561.77 *£6,774 *
CoventryFixed until 31/12/162.15%4.74%4.3%75%£999Free basic valuation, Free basic legal workSome£517.10 *£6,785 *
ExclusiveFixed for 2 years2.65%5.49%5.1%85%£250Refunded basic valuation, Free basic legal workSome£547.45 *£6,817 *
West BromwichFixed until 31/12/192.89%3.99%3.7%65%£599Payable, CashbackSome£561.77 *£6,827 *
Hinckley & RugbyFixed for 2 years2.19%5.64%5.0%60%£990Free basic valuation, Free basic legal workNone£519.45 *£6,834 *
CoventryOFFSET Fixed until 31/12/162.25%4.74%4.3%75%£999Free basic valuation, Free basic legal workSome£523.00 *£6,856 *
NationwideFixed for 3 years2.99%3.99%3.7%75%£0Free basic valuation, Free basic legal workSome£567.97 *£6,861 *
Woolwich (Barclays)Fixed until 31/12/172.55%3.99%3.8%70%£999Free basic valuation, Free basic legal workSome£540.97 *£6,863 *
West BromwichFixed until 31/12/161.79%3.99%3.8%65%£999 Some£496.16 *£6,868 *
NationwideFixed for 2 years2.29%3.99%3.8%80%£999Free basic valuation, Free basic legal workSome£525.38 *£6,872 *
AccordFixed until 31/12/161.94%5.99%4.9%70%£975 Some£504.82 *£6,875 *
NationwideFixed for 5 years3.04%3.99%3.5%60%£0Free basic valuation, Free basic legal workSome£571.09 *£6,880 *
West BromwichFixed until 31/12/162.59%3.99%3.8%80%£199Free basic valuation (up to £525), Free basic legal workSome£543.39 *£6,885 *
Woolwich (Barclays)Fixed until 31/12/162.33%3.99%3.8%80%£999Free basic valuation, Free basic legal workSome£527.76 *£6,890 *
AccordFixed until 31/12/161.99%5.99%4.9%75%£975 Some£507.73 *£6,910 *
Scottish WidowsFixed until 31/12/172.99%3.99%3.8%60%£0Free basic valuation, Free basic legal workSome£568.43 *£6,921 *
Post OfficeFixed until 31/12/172.98%4.49%4.2%75%£0Free basic valuation, Free basic legal workSome£567.35 *£6,922 *
NatWestFixed until 31/12/172.65%4.00%3.8%70%£995Free basic valuation, Free basic legal workSome£547.04 *£6,931 *
NationwideFixed for 5 years2.84%3.99%3.4%60%£999Free basic valuation, Free basic legal workSome£558.68 *£6,931 *
Woolwich (Barclays)Fixed until 31/12/192.85%3.99%3.7%60%£999Free basic valuation, Free basic legal workSome£559.30 *£6,934 *
Hinckley & RugbyFixed for 2 years2.34%5.64%5.0%70%£990Free basic valuation, Free basic legal workNone£528.36 *£6,941 *
NottinghamFixed until 01/12/162.84%5.99%5.6%80%£199Free basic valuation, Free basic legal workSome£558.68 *£6,941 *
NottinghamFixed until 01/11/172.94%5.99%5.4%75%£199Free basic valuation, Free basic legal workSome£564.86 *£6,941 *
West BromwichFixed until 31/12/192.79%3.99%3.7%65%£599Payable, PayableSome£555.60 *£6,953 *
NationwideFixed for 5 years3.14%3.99%3.5%70%£0Free basic valuation, Free basic legal workSome£577.35 *£6,955 *
NewcastleFixed until 31/12/162.98%5.99%5.5%80%£0Free basic valuation (up to £450), Free basic legal workNone£567.35 *£6,964 *
NottinghamFixed until 01/01/172.89%6.14%5.6%85%£199Free basic valuation, Free basic legal workSome£561.77 *£6,969 *
NationwideFixed for 3 years2.69%3.99%3.8%75%£999Free basic valuation, Free basic legal workSome£549.48 *£6,972 *
AccordFixed until 31/12/172.69%5.99%4.7%75%£475 Some£549.48 *£6,972 *
Hinckley & RugbyFixed for 2 years2.39%5.64%5.1%80%£999Free basic valuation, Free basic legal workNone£531.34 *£6,981 *
CoventryFixed until 31/12/193.05%4.49%4.0%65%£499Free basic valuation, Free basic legal workSome£571.71 *£6,992 *
CoventryFixed until 31/12/162.99%4.74%4.4%85%£199Free basic valuation, Free basic legal workSome£567.97 *£6,995 *
NatWestFixed until 31/12/173.19%4.00%3.9%70%£0Free basic valuation, Free basic legal workSome£580.49 *£7,001 *
NationwideFixed for 5 years2.94%3.99%3.6%70%£999Free basic valuation, Free basic legal workSome£564.86 *£7,005 *
Woolwich (Barclays)Fixed until 31/12/192.95%3.99%3.7%70%£999Free basic valuation, Free basic legal workSome£565.48 *£7,009 *
CoventryFixed until 31/12/192.95%4.49%4.0%65%£999Free basic valuation, Free basic legal workSome£565.48 *£7,018 *
NationwideFixed for 5 years3.24%3.99%3.6%75%£0Free basic valuation, Free basic legal workSome£583.65 *£7,031 *
NationwideFixed for 2 years3.19%3.99%3.9%85%£0Free basic valuation, Free basic legal workSome£580.49 *£7,034 *
NatWestFixed until 31/12/192.99%4.00%3.8%60%£995Free basic valuation, Free basic legal workSome£567.97 *£7,036 *
West BromwichFixed until 31/12/193.09%3.99%3.7%75%£199Free basic valuation (up to £525), Free basic legal workSome£574.21 *£7,036 *
AbbeyFixed until 02/02/182.69%4.74%4.4%70%£995Free basic valuation, Free basic legal workSome£549.48 *£7,047 *
Post OfficeFixed until 31/12/161.93%4.49%4.1%75%£995 Some£504.24 *£7,048 *
Hinckley & RugbyFixed for 2 years2.49%5.64%5.1%80%£990Free basic valuation, Free basic legal workNone£537.35 *£7,048 *
NationwideFixed for 3 years3.24%3.99%3.8%80%£0Free basic valuation, Free basic legal workSome£583.65 *£7,049 *
PrincipalityFixed until 31/10/163.00%4.99%4.9%85%£99Free basic valuation, Free basic legal workSome£568.59 *£7,054 *
NationwideFixed for 5 years3.04%3.99%3.7%75%£999Free basic valuation, Free basic legal workSome£571.09 *£7,080 *
ExclusiveFixed until 02/02/202.99%4.74%4.3%70%£995Free basic valuation, Free basic legal workSome£567.97 *£7,093 *
West BromwichFixed until 31/12/192.99%3.99%3.8%75%£599Payable, PayableSome£567.97 *£7,101 *
NatWestFixed until 31/12/172.89%4.00%3.9%75%£995Free basic valuation, Free basic legal workSome£561.77 *£7,108 *
Woolwich (Barclays)Fixed until 31/12/193.09%3.99%3.8%75%£999Free basic valuation, Free basic legal workSome£574.21 *£7,113 *
NottinghamFixed until 01/11/173.19%5.99%5.5%80%£199Free basic valuation, Free basic legal workSome£580.49 *£7,128 *
Woolwich (Barclays)Fixed until 31/12/163.49%3.99%4.0%85%£0Free basic valuation, Free basic legal workSome£599.58 *£7,153 *
NationwideFixed for 3 years2.94%3.99%3.9%80%£999Free basic valuation, Free basic legal workSome£564.86 *£7,156 *
NottinghamFixed until 01/12/163.14%5.99%5.7%85%£199Free basic valuation, Free basic legal workSome£577.35 *£7,165 *
MansfieldFixed for 2 years2.45%5.59%5.3%80%£999Refunded basic valuation up to £400Some£535.32 *£7,173 *
AccordFixed until 31/12/172.74%5.99%4.8%80%£975 Some£552.53 *£7,175 *
Woolwich (Barclays)Fixed until 31/12/172.98%3.99%3.9%80%£999Free basic valuation, Free basic legal workSome£567.35 *£7,180 *
Scottish WidowsFixed until 31/12/172.69%3.99%3.7%75%£1499Free basic valuation, Free basic legal workSome£549.89 *£7,198 *
CoventryFixed until 31/12/162.75%4.74%4.4%85%£999Free basic valuation, Free basic legal workSome£553.15 *£7,218 *
NatWestFixed until 31/12/193.25%4.00%3.9%70%£995Free basic valuation, Free basic legal workSome£584.28 *£7,231 *
Post OfficeFixed until 31/12/192.88%4.49%4.0%60%£1495 Some£561.15 *£7,233 *
AccordFixed until 31/12/162.79%5.99%5.2%85%£475 Some£555.60 *£7,234 *
NationwideFixed for 2 years2.79%3.99%3.9%85%£999Free basic valuation, Free basic legal workSome£555.60 *£7,234 *
NottinghamFixed until 01/11/172.98%5.99%5.5%80%£999Free basic valuation, Free basic legal workSome£567.35 *£7,245 *
West BromwichFixed until 31/12/162.89%3.99%3.9%85%£499Free basic valuation (up to £525), Free basic legal workSome£561.77 *£7,256 *
NatWestFixed until 31/12/173.09%4.00%4.0%80%£995Free basic valuation, Free basic legal workSome£574.21 *£7,257 *
CoventryFixed until 31/12/193.49%4.49%4.2%75%£199Free basic valuation, Free basic legal workSome£599.58 *£7,267 *
AccordFixed until 31/12/193.29%5.99%4.6%75%£475 Some£586.82 *£7,269 *
Post OfficeFixed until 31/12/172.73%4.49%4.2%80%£995 Some£551.92 *£7,288 *
Post OfficeFixed until 31/12/193.09%4.49%4.0%75%£995 Some£574.21 *£7,289 *
Woolwich (Barclays)Fixed until 31/12/243.49%3.99%3.8%60%£999Free basic valuation, Free basic legal workSome£599.58 *£7,306 *
Hinckley & RugbyFixed for 2 years2.85%5.64%5.2%80%£999Free basic valuation, Free basic legal workNone£559.30 *£7,316 *
NationwideFixed for 3 years3.59%3.99%3.9%85%£0Free basic valuation, Free basic legal workSome£606.02 *£7,317 *
Leeds BSFixed until 31/10/163.29%5.69%5.4%85%£199Free basic valuation, Free basic legal workSome£586.82 *£7,333 *
NationwideFixed for 5 years3.64%3.99%3.9%80%£0Free basic valuation, Free basic legal workSome£609.25 *£7,338 *
CoventryFixed until 31/12/193.59%4.49%4.2%80%£199Free basic valuation, Free basic legal workSome£606.02 *£7,344 *
Scottish WidowsFixed until 31/12/172.89%3.99%3.8%80%£1499Free basic valuation, Free basic legal workSome£562.21 *£7,346 *
AccordFixed until 31/12/193.54%5.99%4.5%80%£475Free basic valuation, Free basic legal workSome£602.79 *£7,346 *
CoventryFixed until 31/12/193.39%4.49%4.2%75%£999Free basic valuation, Free basic legal workSome£593.18 *£7,350 *
NottinghamFixed until 01/11/173.49%5.99%5.6%85%£199Free basic valuation, Free basic legal workSome£599.58 *£7,357 *
NationwideFixed for 3 years3.24%3.99%4.0%85%£999Free basic valuation, Free basic legal workSome£583.65 *£7,382 *
NationwideFixed for 5 years3.44%3.99%4.0%80%£999Free basic valuation, Free basic legal workSome£596.37 *£7,383 *
AccordFixed until 31/12/193.34%5.99%4.5%80%£975 Some£589.99 *£7,407 *
NottinghamFixed until 01/11/193.64%5.99%5.2%80%£199Free basic valuation, Free basic legal workSome£609.25 *£7,407 *
Woolwich (Barclays)Fixed until 31/12/193.49%3.99%3.9%80%£999Free basic valuation, Free basic legal workSome£599.58 *£7,418 *
CoventryFixed until 31/12/193.49%4.49%4.3%80%£999Free basic valuation, Free basic legal workSome£599.58 *£7,427 *
CoventryFixed until 31/12/173.29%4.74%4.4%80%£999Free basic valuation, Free basic legal workNone£586.82 *£7,428 *
PrincipalityFixed until 31/10/173.60%4.99%4.8%85%£99Free basic valuation, Free basic legal workSome£606.66 *£7,429 *
NewcastleFixed until 31/12/193.52%5.99%5.1%80%£199 Some£601.50 *£7,450 *
NottinghamFixed until 01/12/162.99%5.99%5.7%85%£999Free basic valuation, Free basic legal workSome£567.97 *£7,453 *
NottinghamFixed until 01/11/193.49%5.99%5.2%80%£999Free basic valuation, Free basic legal workSome£599.58 *£7,454 *
Post OfficeFixed until 31/12/193.33%4.49%4.2%80%£995 Some£589.36 *£7,471 *
NottinghamFixed until 01/11/173.29%5.99%5.6%85%£999Free basic valuation, Free basic legal workSome£586.82 *£7,479 *
West BromwichFixed until 31/12/193.59%3.99%4.0%80%£599Free basic valuation, Free basic legal workSome£606.02 *£7,498 *
NottinghamFixed until 01/12/193.84%6.14%5.3%85%£199Free basic valuation, Free basic legal workSome£622.28 *£7,562 *
Woolwich (Barclays)Fixed until 31/12/193.99%3.99%4.1%80%£0Free basic valuation, Free basic legal workSome£632.15 *£7,569 *
NatWestFixed until 31/12/193.69%4.00%4.1%80%£995Free basic valuation, Free basic legal workSome£612.49 *£7,570 *
CoventryFixed until 31/12/163.75%4.74%4.5%90%£199Free basic valuation, Free basic legal workSome£616.40 *£7,577 *
CoventryFixed until 31/12/193.89%4.49%4.4%85%£199Free basic valuation, Free basic legal workSome£625.56 *£7,579 *
AccordFixed until 31/12/193.84%5.99%4.8%85%£475Free basic valuation, Free basic legal workSome£622.28 *£7,580 *
NatWestFixed until 31/12/173.59%4.00%4.0%85%£995Free basic valuation, Free basic legal workSome£606.02 *£7,639 *
Scottish WidowsFixed until 31/12/173.29%3.99%3.9%85%£1499Free basic valuation, Free basic legal workSome£587.32 *£7,648 *
CoventryFixed until 31/12/163.65%4.74%4.5%90%£499Free basic valuation, Free basic legal workSome£609.90 *£7,649 *
NottinghamFixed until 01/11/193.95%5.99%5.4%85%£199Free basic valuation, Free basic legal workSome£629.51 *£7,651 *
NottinghamFixed until 01/12/193.75%6.14%5.3%85%£999Free basic valuation, Free basic legal workSome£616.40 *£7,652 *
West BromwichFixed until 31/12/243.99%3.99%3.9%75%£199Free basic valuation (up to £525), Free basic legal workSome£632.15 *£7,659 *
CoventryFixed until 31/12/193.79%4.49%4.4%85%£999Free basic valuation, Free basic legal workSome£619.01 *£7,660 *
NatWestFixed until 31/12/174.05%4.00%4.1%85%£0Free basic valuation, Free basic legal workSome£636.12 *£7,668 *
Leeds BSFixed until 31/12/193.99%5.69%5.1%85%£199Free basic valuation, Free basic legal workSome£632.15 *£7,692 *
Woolwich (Barclays)Fixed until 31/12/243.99%3.99%4.2%75%£999Free basic valuation, Free basic legal workSome£632.15 *£7,697 *
Post OfficeFixed until 31/12/173.28%4.49%4.3%85%£995 Some£586.18 *£7,699 *
West BromwichFixed until 31/12/193.99%3.99%4.1%85%£199Free basic valuation (up to £525), Free basic legal workSome£632.15 *£7,732 *
NottinghamFixed until 01/11/193.85%5.99%5.4%85%£999Free basic valuation, Free basic legal workSome£622.93 *£7,734 *
Post OfficeFixed until 31/12/193.74%4.49%4.3%85%£995 Some£615.74 *£7,788 *
Leeds BSFixed until 30/11/244.19%5.69%4.8%65%£199Free basic valuation, Free basic legal workSome£645.44 *£7,799 *
Woolwich (Barclays)Fixed until 31/12/193.99%3.99%4.1%85%£999Free basic valuation, Free basic legal workSome£632.15 *£7,809 *
Hinckley & RugbyFixed for 5 years3.99%5.64%5.0%85%£999Free basic valuation, Free basic legal workNone£632.15 *£7,828 *
NewcastleFixed until 31/12/163.99%5.99%5.8%90%£199Free basic valuation, Free basic legal workNone£632.15 *£7,842 *
West BromwichFixed until 31/12/163.74%3.99%4.1%90%£499Free basic valuation (up to £525), Free basic legal workSome£615.74 *£7,904 *
NottinghamFixed until 01/12/164.24%5.99%5.9%90%£199Free basic valuation, Free basic legal workSome£648.79 *£8,023 *
Hinckley & RugbyFixed for 2 years3.79%5.64%5.4%90%£990Free basic valuation, Free basic legal workNone£619.01 *£8,028 *
CoventryFixed until 31/12/194.49%4.49%4.6%90%£199Free basic valuation, Free basic legal workSome£665.67 *£8,060 *
NewcastleFixed until 31/12/244.49%5.99%5.1%80%£0 Some£665.67 *£8,084 *
Leeds BSFixed until 30/11/244.39%5.69%4.9%80%£999 Some£658.89 *£8,105 *
CoventryFixed until 31/12/194.39%4.49%4.7%90%£999Free basic valuation, Free basic legal workSome£658.89 *£8,138 *
Post OfficeFixed until 31/12/173.85%4.49%4.5%90%£995 Some£622.93 *£8,140 *
Woolwich (Barclays)Fixed until 31/12/194.59%3.99%3.7%90%£499Free basic valuation, Free basic legal workSome£672.48 *£8,193 *
DarlingtonFixed until 31/05/194.39%5.95%5.5%90%£574 Some£658.89 *£8,207 *
West BromwichFixed until 31/12/194.59%3.99%4.4%90%£199Free basic valuation (up to £525), Free basic legal workSome£672.48 *£8,216 *
NottinghamFixed until 01/11/174.59%5.99%5.9%90%£199Free basic valuation, Free basic legal workSome£672.48 *£8,232 *
NottinghamFixed until 01/11/194.69%5.99%5.7%90%£199Free basic valuation, Free basic legal workSome£679.33 *£8,248 *
NewcastleFixed until 31/12/194.69%5.99%5.6%90%£199Free basic valuation, Free basic legal workSome£679.33 *£8,254 *
NottinghamFixed until 01/11/174.29%5.99%5.9%90%£999Free basic valuation, Free basic legal workSome£652.15 *£8,263 *
NottinghamFixed until 01/11/194.54%5.99%5.7%90%£999Free basic valuation, Free basic legal workSome£669.07 *£8,288 *
NatWestFixed until 31/12/174.89%4.00%4.4%90%£0Free basic valuation, Free basic legal workSome£693.14 *£8,353 *
NatWestFixed until 31/12/174.59%4.00%4.4%90%£995Free basic valuation, Free basic legal workSome£672.48 *£8,436 *
NatWestFixed until 31/12/174.79%4.00%4.4%90%£995Free basic valuation, Free basic legal workSome£686.22 *£8,601 *
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.