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 : 22/05/2013 15:20:26

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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 
CoventryFixed until 30/06/152.45%4.74%4.4%65%£199Free basic valuation, Free basic legal workSome£534.94 *£6,607 *
NationwideFixed for 3 years2.64%3.99%3.7%60%£99Free basic valuation, Free basic legal workSome£546.43 *£6,640 *
NatWestFixed until 31/10/152.75%4.00%3.8%60%£0Free basic valuation, Free basic legal workSome£553.15 *£6,684 *
Leeds BSFixed until 31/05/152.45%5.69%5.3%65%£199Free basic valuation, Free basic legal workSome£534.94 *£6,710 *
NationwideFixed for 3 years2.74%3.99%3.7%70%£99Free basic valuation, Free basic legal workSome£552.53 *£6,713 *
NatWestFixed until 31/10/151.95%4.00%3.8%60%£1495Free basic valuation, Free basic legal workSome£505.40 *£6,776 *
Woolwich (Barclays)Fixed until 30/06/152.99%3.89%3.8%70%£0Free basic valuation, Free basic legal workSome£567.97 *£6,821 *
Virgin MoneyFixed until 01/08/152.74%4.79%4.5%60%£99Free basic valuation, Free basic legal workSome£552.53 *£6,827 *
NatWestFixed until 31/10/152.34%4.00%3.8%70%£995Free basic valuation, Free basic legal workSome£528.36 *£6,829 *
NatWestFixed until 31/10/162.55%4.00%3.7%70%£995Free basic valuation, Free basic legal workSome£540.97 *£6,830 *
NatWestFixed until 31/10/162.55%4.00%3.7%70%£995Free basic valuation, Free basic legal workSome£540.97 *£6,830 *
CoventryFixed until 30/06/152.55%4.74%4.5%65%£499Free basic valuation, Free basic legal workSome£540.97 *£6,835 *
ClydesdaleFixed until 31/07/152.19%4.95%4.6%60%£999Free basic valuation, Free basic legal workSome£519.80 *£6,855 *
NationwideFixed for 3 years2.94%3.99%3.8%75%£99Free basic valuation, Free basic legal workSome£564.86 *£6,861 *
Virgin MoneyFixed until 01/08/152.84%4.79%4.5%70%£99Free basic valuation, Free basic legal workSome£558.68 *£6,900 *
NatWestFixed until 31/10/183.09%4.00%3.7%60%£0Free basic valuation, Free basic legal workSome£574.21 *£6,910 *
HalifaxFixed until 30/09/152.89%3.99%3.9%60%£0Free basic valuation, Free basic legal workSome£561.77 *£6,914 *
NottinghamFixed until 01/08/152.29%6.14%5.6%65%£999Free basic valuation, Free basic legal workSome£525.38 *£6,916 *
CoventryFixed until 30/06/182.95%4.49%4.0%65%£499Free basic valuation, Free basic legal workSome£565.48 *£6,920 *
Leeds BSFixed until 30/06/152.79%5.69%5.4%75%£199Free basic valuation, Free basic legal workSome£555.60 *£6,945 *
ExclusiveFixed until 31/05/152.99%3.99%3.9%60%£0Free basic valuation, Free basic legal workSome£568.43 *£6,957 *
NationwideFixed for 5 years2.89%3.99%3.7%60%£999Free basic valuation, Free basic legal workSome£561.77 *£6,971 *
PrincipalityFixed until 30/06/162.59%4.99%4.5%65%£999Free basic valuation £99 cashback, Free basic legal workSome£543.39 *£6,975 *
NatWestFixed until 31/10/152.55%4.00%3.8%75%£995Free basic valuation, Free basic legal workSome£540.97 *£6,980 *
CoventryFixed until 30/06/152.75%4.74%4.5%75%£499Free basic valuation, Free basic legal workSome£553.15 *£6,981 *
CoventryFixed until 30/06/162.69%4.74%4.3%65%£999Free basic valuation, Free basic legal workNone£549.48 *£6,991 *
ClydesdaleFixed until 31/07/182.89%4.95%4.3%70%£999Free basic valuation, Free basic legal workSome£562.21 *£6,993 *
AbbeyFixed until 02/07/162.59%4.74%4.3%70%£995Free basic valuation, Free basic legal workSome£543.39 *£6,999 *
NatWestFixed until 31/10/162.79%4.00%3.8%75%£995Free basic valuation, Free basic legal workSome£555.60 *£7,006 *
NatWestFixed until 31/10/162.79%4.00%3.8%75%£995Free basic valuation, Free basic legal workSome£555.60 *£7,006 *
SkiptonFixed until 31/07/152.28%5.49%5.1%60%£995Free basic valuation, Free basic legal workSome£524.78 *£7,008 *
Virgin MoneyFixed until 01/08/182.89%4.79%4.2%70%£1094Free basic valuation, Free basic legal workSome£561.77 *£7,017 *
SkiptonFixed until 31/07/182.88%5.49%4.6%60%£995Free basic valuation, Free basic legal workSome£561.15 *£7,018 *
SkiptonFixed until 31/07/152.98%5.49%5.1%75%£0Free basic valuation, Free basic legal workSome£567.35 *£7,021 *
AbbeyFixed until 02/07/152.29%4.74%4.4%60%£995Free basic valuation, Free basic legal workSome£525.38 *£7,022 *
Virgin MoneyFixed until 01/08/163.09%4.79%4.4%70%£99Free basic valuation, Free basic legal workSome£574.21 *£7,023 *
CoventryFixed until 30/06/152.45%4.74%4.5%75%£999Free basic valuation, Free basic legal workSome£534.94 *£7,024 *
HalifaxFixed until 30/09/153.04%3.99%3.9%60%£0Free basic valuation, Free basic legal workSome£571.09 *£7,026 *
AbbeyFixed until 02/07/152.99%4.74%4.5%70%£0Free basic valuation, Free basic legal workSome£567.97 *£7,036 *
HalifaxFixed until 30/09/183.19%3.99%3.7%60%£0Free basic valuation, Free basic legal workSome£580.49 *£7,038 *
PrincipalityFixed until 30/06/162.69%4.99%4.6%75%£999Free basic valuation, Free basic legal workSome£549.48 *£7,048 *
CoventryFixed until 30/06/183.15%4.74%4.1%65%£499Free basic valuation, Free basic legal workSome£577.98 *£7,070 *
PrincipalityFixed until 30/06/162.49%4.99%4.5%60%£1499Free basic valuation, Free basic legal workSome£537.35 *£7,073 *
NatWestFixed until 31/10/163.29%4.00%3.9%75%£0Free basic valuation, Free basic legal workSome£586.82 *£7,074 *
Leeds BSFixed until 30/06/162.45%5.69%5.1%65%£999 Some£534.94 *£7,094 *
SkiptonFixed until 31/07/163.18%5.49%5.0%75%£0Free basic valuation, Free basic legal workSome£579.87 *£7,100 *
ExclusiveFixed until 02/07/182.99%4.74%4.2%70%£995Free basic valuation, Free basic legal workSome£567.97 *£7,103 *
Scottish WidowsFixed until 31/05/153.19%3.99%3.9%60%£0Free basic valuation, Free basic legal workSome£580.98 *£7,108 *
PrincipalityFixed until 30/06/183.29%4.99%4.4%75%£99Free basic valuation £99 cashback, Free basic legal workSome£586.82 *£7,108 *
NewcastleFixed until 30/06/153.15%5.99%5.5%75%£0Free basic valuation, Free basic legal workSome£577.98 *£7,117 *
Virgin MoneyFixed until 01/08/162.79%4.79%4.4%75%£1094Free basic valuation, Free basic legal workSome£555.60 *£7,122 *
ExclusiveFixed until 02/07/183.29%4.74%4.2%70%£0Free basic valuation, Free basic legal workSome£586.82 *£7,130 *
NatWestFixed until 31/10/183.15%4.00%3.8%75%£995Free basic valuation, Free basic legal workSome£577.98 *£7,145 *
AccordFixed until 31/05/152.49%5.99%5.5%75%£475 Some£537.35 *£7,149 *
AccordFixed until 31/05/183.09%5.99%5.0%75%£475 Some£574.21 *£7,156 *
AccordFixed until 31/05/162.84%5.99%5.3%75%£475 Some£558.68 *£7,157 *
PrincipalityFixed until 30/06/183.09%4.99%4.4%75%£999Free basic valuation, Free basic legal workSome£574.21 *£7,160 *
Virgin MoneyFixed until 01/08/183.09%4.79%4.3%75%£1094Free basic valuation, Free basic legal workSome£574.21 *£7,167 *
NationwideFixed for 5 years3.39%3.99%3.8%75%£99Free basic valuation, Free basic legal workSome£593.18 *£7,168 *
AbbeyFixed until 02/07/153.19%4.74%4.5%75%£0Free basic valuation, Free basic legal workSome£580.49 *£7,186 *
Leeds BSFixed until 30/06/152.09%5.69%5.2%65%£999 Some£513.57 *£7,189 *
PrincipalityFixed until 30/06/162.89%4.99%4.5%75%£999Free basic valuation, Free basic legal workSome£561.77 *£7,195 *
AccordFixed until 31/05/152.59%5.99%5.5%75%£475 Some£543.39 *£7,221 *
West BromwichFixed until 31/05/162.59%3.99%3.8%65%£1349Free basic valuation, Free basic legal workSome£543.39 *£7,223 *
CoventryFixed until 30/06/153.09%4.74%4.6%80%£499Free basic valuation, Free basic legal workSome£574.21 *£7,234 *
Scottish WidowsFixed until 31/05/152.69%3.99%3.9%60%£999Free basic valuation, Free basic legal workSome£549.89 *£7,280 *
AccordFixed until 31/05/152.69%5.99%5.6%75%£475 Some£549.48 *£7,294 *
AbbeyFixed until 02/07/162.99%4.74%4.4%75%£995Free basic valuation, Free basic legal workSome£567.97 *£7,294 *
West BromwichFixed until 31/05/162.69%3.99%3.8%75%£1349Free basic valuation, Free basic legal workSome£549.48 *£7,296 *
Leeds BSFixed until 30/06/163.10%5.69%5.2%75%£199 Some£574.84 *£7,298 *
AccordFixed until 31/05/183.29%5.99%5.0%75%£475 Some£586.82 *£7,308 *
SkiptonFixed until 31/07/183.28%5.49%4.8%75%£995Free basic valuation, Free basic legal workSome£586.18 *£7,318 *
Leeds BSFixed until 30/06/153.29%5.69%5.5%80%£199Free basic valuation, Free basic legal workSome£586.82 *£7,320 *
ExclusiveFixed until 31/05/153.49%3.99%4.0%75%£0Free basic valuation, Free basic legal workSome£600.10 *£7,337 *
Leeds BSFixed until 30/06/162.79%5.69%4.9%80%£999 Some£555.60 *£7,342 *
AccordFixed until 31/05/152.39%5.99%5.6%75%£975 Some£531.34 *£7,349 *
Leeds BSFixed until 30/06/183.39%5.69%5.0%75%£199 Some£593.18 *£7,356 *
Leeds BSFixed until 30/06/183.19%5.69%4.8%80%£999 Some£580.49 *£7,366 *
AccordFixed until 31/05/152.79%5.99%5.6%75%£475 Some£555.60 *£7,367 *
Scottish WidowsFixed until 31/05/183.39%3.99%3.9%60%£999Free basic valuation, Free basic legal workSome£593.18 *£7,376 *
NationwideFixed for 3 years3.64%3.99%4.0%80%£99Free basic valuation, Free basic legal workSome£609.25 *£7,394 *
Woolwich (Barclays)Fixed until 30/06/153.74%3.89%4.0%80%£0Free basic valuation, Free basic legal workSome£615.74 *£7,394 *
ExclusiveFixed until 02/07/183.39%4.74%4.4%75%£995Free basic valuation, Free basic legal workSome£593.18 *£7,405 *
West BromwichFixed until 31/05/152.79%3.99%4.0%80%£748Free basic valuation, Free basic legal workSome£555.60 *£7,424 *
NottinghamFixed until 01/08/152.99%6.14%5.7%80%£999Free basic valuation, Free basic legal workSome£567.97 *£7,427 *
CoventryFixed until 30/06/153.39%4.74%4.6%80%£499Free basic valuation, Free basic legal workSome£593.18 *£7,462 *
CoventryFixed until 30/06/183.69%4.49%4.3%80%£499Free basic valuation, Free basic legal workSome£612.49 *£7,484 *
ClydesdaleFixed until 31/07/153.09%4.95%4.8%80%£999Free basic valuation, Free basic legal workSome£574.69 *£7,514 *
NewcastleFixed until 30/06/183.47%5.99%5.1%80%£690 Some£598.29 *£7,522 *
MansfieldFixed for 2 years3.09%5.59%5.2%80%£1098Refunded basic valuation, Free basic legal workSome£574.69 *£7,546 *
NottinghamFixed until 01/08/183.64%6.14%5.3%80%£999Free basic valuation, Free basic legal workSome£609.25 *£7,562 *
SkiptonFixed until 31/07/163.38%5.49%5.1%80%£995Free basic valuation, Free basic legal workSome£592.54 *£7,584 *
SkiptonFixed until 31/07/153.08%5.49%5.2%80%£995Free basic valuation, Free basic legal workSome£573.59 *£7,593 *
ClydesdaleFixed until 31/07/183.69%4.95%4.6%80%£999Free basic valuation, Free basic legal workSome£613.05 *£7,603 *
NatWestFixed until 31/10/163.99%4.00%4.1%80%£0Free basic valuation, Free basic legal workSome£632.15 *£7,618 *
Virgin MoneyFixed until 01/08/163.89%4.79%4.6%80%£99Free basic valuation, Free basic legal workSome£625.56 *£7,639 *
HalifaxFixed until 30/09/153.84%3.99%4.0%80%£0Free basic valuation, Free basic legal workSome£622.28 *£7,640 *
CoventryFixed until 30/06/183.89%4.74%4.4%80%£499Free basic valuation, Free basic legal workSome£625.56 *£7,641 *
NewcastleFixed until 30/06/163.19%5.99%5.4%80%£995 Some£580.49 *£7,648 *
Leeds BSFixed until 30/06/152.75%5.69%5.4%80%£999 Some£553.15 *£7,664 *
NewcastleFixed until 30/06/152.74%5.99%5.6%80%£995 Some£552.53 *£7,669 *
Woolwich (Barclays)Fixed until 30/06/183.78%3.89%4.0%80%£999Free basic valuation, Free basic legal workSome£618.35 *£7,687 *
SkiptonFixed until 31/07/153.88%5.49%5.3%85%£0Free basic valuation, Free basic legal workSome£624.90 *£7,712 *
Scottish WidowsFixed until 31/05/153.29%3.99%4.0%75%£999Free basic valuation, Free basic legal workSome£587.32 *£7,729 *
FurnessFixed until 31/05/163.69%5.44%5.1%85%£999Free basic valuation, Free basic legal workSome£612.49 *£7,750 *
Leeds BSFixed until 30/06/183.69%5.69%4.9%85%£999 Some£612.49 *£7,750 *
Leeds BSFixed until 30/06/163.69%5.69%5.4%80%£199 Some£612.49 *£7,750 *
Woolwich (Barclays)Fixed until 30/06/153.35%3.89%4.0%80%£999Free basic valuation, Free basic legal workSome£590.63 *£7,770 *
NationwideFixed for 3 years4.14%3.99%4.1%85%£99Free basic valuation, Free basic legal workSome£642.11 *£7,788 *
NottinghamFixed until 01/08/153.48%6.14%5.8%85%£999Free basic valuation, Free basic legal workSome£598.93 *£7,799 *
CoventryFixed until 30/06/153.49%4.74%4.7%85%£999Free basic valuation, Free basic legal workSome£599.58 *£7,799 *
ExclusiveFixed until 31/05/154.09%3.99%4.1%80%£0Free basic valuation, Free basic legal workSome£639.38 *£7,809 *
AccordFixed until 31/05/183.94%5.99%5.3%85%£475 Some£628.85 *£7,812 *
SkiptonFixed until 31/07/183.98%5.49%5.1%85%£995Free basic valuation, Free basic legal workSome£631.49 *£7,862 *
Leeds BSFixed until 30/06/163.49%5.69%45.2%85%£999 Some£599.58 *£7,869 *
West BromwichFixed until 31/05/152.59%3.99%3.9%75%£1849Free basic valuation, Free basic legal workSome£543.39 *£7,879 *
Leeds BSFixed until 30/06/20233.99%5.69%5.0%75%£1999 Some£632.15 *£7,885 *
SkiptonFixed until 31/05/164.18%5.49%5.3%85%£0Free basic valuation, Free basic legal workSome£644.78 *£7,888 *
Virgin MoneyFixed until 01/08/154.14%4.79%4.8%85%£99Free basic valuation, Free basic legal workSome£642.11 *£7,902 *
ClydesdaleFixed until 31/07/184.09%4.95%4.8%85%£999Free basic valuation, Free basic legal workSome£639.38 *£7,919 *
Leeds BSFixed until 30/06/20234.19%5.69%5.0%80%£999 Some£645.44 *£7,944 *
AccordFixed until 31/05/163.89%5.99%5.6%85%£475 Some£625.56 *£7,960 *
AccordFixed until 31/05/184.14%5.99%5.4%85%£475 Some£642.11 *£7,971 *
AccordFixed until 31/05/153.59%5.99%5.7%85%£475 Some£606.02 *£7,972 *
CoventryFixed until 30/06/184.19%4.49%4.6%85%£999Free basic valuation, Free basic legal workSome£645.44 *£7,981 *
West BromwichFixed until 31/05/152.59%3.99%3.9%75%£2049Free basic valuation, Free basic legal workSome£543.39 *£7,988 *
PrincipalityFixed until 30/06/183.99%4.99%4.8%85%£999 Some£632.15 *£7,997 *
Virgin MoneyFixed until 01/08/164.38%4.79%4.8%85%£99Free basic valuation, Free basic legal workSome£658.21 *£8,031 *
AbbeyFixed until 02/07/154.29%4.74%4.8%85%£0Free basic valuation, Free basic legal workSome£652.15 *£8,046 *
Leeds BSFixed until 30/06/153.29%5.69%5.5%85%£999 Some£586.82 *£8,068 *
PrincipalityFixed until 30/06/163.79%4.99%4.9%85%£999 Some£619.01 *£8,122 *
AccordFixed until 31/05/153.79%5.99%5.8%85%£475 Some£619.01 *£8,128 *
HalifaxFixed until 30/09/154.54%3.99%4.3%85%£0Free basic valuation, Free basic legal workSome£669.07 *£8,202 *
ExclusiveFixed for 3 years4.39%4.99%5.0%90%  Some£659.53 *£8,207 *
Leeds BSFixed until 30/06/184.49%5.69%5.5%85%£199 Some£665.67 *£8,225 *
ExclusiveFixed until 31/05/154.69%3.99%4.2%85%£0Free basic valuation, Free basic legal workSome£680.01 *£8,296 *
AccordFixed until 31/05/184.44%5.99%5.6%90%£975 Some£662.27 *£8,316 *
CoventryFixed until 30/06/154.19%4.74%4.8%90%£999Free basic valuation, Free basic legal workSome£645.44 *£8,350 *
SkiptonFixed until 31/07/164.38%5.49%5.4%90%£995Free basic valuation, Free basic legal workSome£658.21 *£8,372 *
HalifaxFixed until 30/09/184.89%3.99%4.5%85%£0Free basic valuation, Free basic legal workSome£693.14 *£8,390 *
AccordFixed until 31/05/164.44%5.99%5.8%90%£475 Some£662.27 *£8,400 *
HalifaxFixed until 30/09/184.69%3.99%4.5%85%£999Free basic valuation, Free basic legal workSome£679.33 *£8,418 *
SkiptonFixed until 31/07/184.68%5.49%5.4%90%£995Free basic valuation, Free basic legal workSome£678.65 *£8,428 *
CoventryFixed until 30/06/184.75%4.49%4.8%90%£999Free basic valuation, Free basic legal workSome£683.46 *£8,437 *
NatWestFixed until 31/10/154.99%4.00%4.3%90%£0Free basic valuation, Free basic legal workSome£700.10 *£8,448 *
SkiptonFixed until 31/07/154.19%5.49%5.5%90%£995Free basic valuation, Free basic legal workSome£645.44 *£8,456 *
AccordFixed until 31/05/184.74%5.99%5.7%90%£475 Some£682.77 *£8,459 *
AccordFixed until 31/05/154.24%5.99%5.9%90%£475 Some£648.79 *£8,486 *
NottinghamFixed until 01/08/154.39%6.14%6.0%90%£999Free basic valuation, Free basic legal workSome£658.89 *£8,518 *
Woolwich (Barclays)Fixed until 30/06/234.99%3.89%4.9%70%£1499Free basic valuation, Free basic legal workSome£700.10 *£8,584 *
NatWestFixed until 31/10/184.99%4.00%4.6%90%£995Free basic valuation, Free basic legal workSome£700.10 *£8,611 *
AccordFixed until 31/05/154.44%5.99%5.9%90%£475 Some£662.27 *£8,648 *

* 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.