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 : 24/07/2015 16:03:01

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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 
AccordFixed until 31/08/171.79%5.99%5.1%65%£0Free basic valuation, Free basic legal workSome£496.16 *£6,001 *
AccordFixed until 31/08/171.84%5.99%5.1%75%£0Free basic valuation, Free basic legal workSome£499.04 *£6,035 *
NationwideFixed for 2 years1.89%3.99%3.5%60%£0Free basic valuation, Free basic legal workSome£501.92 *£6,091 *
CoventryFixed until 30/09/171.99%4.74%4.2%65%£0Free basic valuation, Free basic legal workSome£507.73 *£6,173 *
AccordFixed until 31/08/172.04%5.99%5.2%80%£0Free basic valuation, Free basic legal workSome£510.64 *£6,175 *
Woolwich (Barclays)Fixed until 30/09/172.35%3.99%3.8%80%£0Free basic valuation, Free basic legal workSome£528.95 *£6,205 *
NatWestFixed until 31/12/171.45%4.00%3.7%60%£995Free basic valuation, Free basic legal workSome£476.88 *£6,212 *
SkiptonFixed until 30/09/172.04%4.99%4.5%70%£0Free basic valuation, Free basic legal workSome£510.64 *£6,228 *
CoventryFixed until 30/09/172.09%4.74%4.2%65%£0Free basic valuation, Free basic legal workSome£513.57 *£6,243 *
HalifaxFixed until 30/09/171.94%3.99%3.7%60%£0Free basic valuation, Free basic legal workSome£504.82 *£6,246 *
Virgin MoneyFixed until 01/10/171.45%4.79%4.2%65%£995Free basic valuation, Free basic legal workSome£476.88 *£6,253 *
NationwideFixed for 2 years2.14%3.99%3.6%70%£0Free basic valuation, Free basic legal workSome£516.51 *£6,266 *
Post OfficeFixed until 30/09/182.19%4.49%4.0%60%£0Free basic valuationSome£519.45 *£6,280 *
West BromwichFixed until 30/09/171.74%3.99%3.6%65%£199Free basic valuation (up to £445), Free basic legal workSome£493.30 *£6,284 *
ClydesdaleFixed rate until 30./09/172.09%4.95%4.5%75%£0Free basic valuation, Free basic legal workSome£513.90 *£6,285 *
NationwideFixed for 2 years2.19%3.99%3.7%75%£0Free basic valuation, Free basic legal workSome£519.45 *£6,301 *
NationwideFixed for 3 years2.24%3.99%3.4%60%£0Free basic valuation, Free basic legal workSome£522.41 *£6,314 *
Post OfficeFixed until 30/09/171.59%4.49%4.0%60%£0 Some£484.76 *£6,317 *
Leeds BSFixed until 31/08/171.99%5.69%5.1%80%£199Free basic valuation, Free basic legal workSome£507.73 *£6,334 *
West BromwichFixed until 30/09/171.84%3.99%3.7%75%£199Free basic valuation (up to £445), Free basic legal workSome£499.04 *£6,353 *
CoventryFixed until 30/09/182.29%4.74%4.0%65%£0Free basic valuation, Free basic legal workSome£525.38 *£6,358 *
AccordFixed until 31/08/182.34%5.99%5.0%75%£0Free basic valuation, Free basic legal workSome£528.36 *£6,371 *
NationwideFixed for 2 years2.29%3.99%3.8%80%£0Free basic valuation, Free basic legal workSome£525.38 *£6,372 *
NatWestFixed until 31/12/181.93%4.00%3.6%60%£995Free basic valuation, Free basic legal workSome£504.24 *£6,389 *
PrincipalityFixed until 31/07/172.10%4.99%4.7%75%£99Free basic valuation, Free basic legal workSome£514.16 *£6,401 *
ClydesdaleFixed rate until 30/09/172.29%4.95%4.5%80%£0Free basic valuation, Free basic legal workSome£525.74 *£6,427 *
NationwideFixed for 5 years2.44%3.99%3.4%60%£0Free basic valuation, Free basic legal workSome£534.34 *£6,439 *
West BromwichFixed until 30/09/182.14%3.99%3.6%65%£199Free basic valuation (up to £445), Free basic legal workSome£516.51 *£6,441 *
MonmouthshireFixed for 2 years2.30%4.99%4.5%80%£0Free basic valuation, Free basic legal workSome£525.97 *£6,454 *
CoventryFixed until 30/09/172.39%4.74%4.2%80%£0Free basic valuation, Free basic legal workSome£531.34 *£6,456 *
CoventryFixed until 30/09/172.39%4.74%4.2%75%£0Free basic valuation, Free basic legal workSome£531.34 *£6,456 *
West BromwichFixed until 30/09/171.99%3.99%3.7%80%£199Free basic valuation (up to £445), Free basic legal workSome£507.73 *£6,458 *
Post OfficeFixed until 30/09/182.35%4.49%4.0%75%£0Free basic valuation, Free basic legal workSome£528.95 *£6,461 *
HalifaxFixed until 30/09/171.54%3.99%3.7%60%£999Free basic valuation, Free basic legal workSome£481.94 *£6,471 *
NatWestFixed until 31/12/202.23%4.00%3.5%60%£995Free basic valuation, Free basic legal workSome£521.82 *£6,471 *
TSBFixed until 31/10/202.49%3.99%3.3%60%£0Free basic valuation, Free basic legal workSome£537.35 *£6,502 *
NationwideFixed for 2 years2.49%3.99%3.8%85%£0Free basic valuation, Free basic legal workSome£537.35 *£6,516 *
TSBFixed until 31/10/202.24%3.99%3.3%60%£995Free basic valuation, Free basic legal workSome£522.41 *£6,519 *
AccordFixed until 31/08/172.54%5.99%5.3%85%£0Free basic valuation, Free basic legal workSome£540.36 *£6,531 *
PrincipalityFixed until 31/07/182.40%4.99%4.6%65%£99Free basic valuation, Free basic legal workSome£531.94 *£6,533 *
AccordFixed until 31/08/202.59%5.99%4.6%65%£0Free basic valuation, Free basic legal workSome£543.39 *£6,539 *
Leeds BSFixed until 31/07/182.39%5.69%4.9%65%£199Free basic valuation, Free basic legal workSome£531.34 *£6,540 *
Virgin MoneyFixed until 01/10/192.25%4.79%3.5%65%£995Free basic valuation, Free basic legal workSome£523.00 *£6,547 *
West BromwichFixed until 30/09/182.29%3.99%3.6%75%£199Free basic valuation (up to £445), Free basic legal workSome£525.38 *£6,548 *
Scottish WidowsFixed until 30/11/182.49%3.99%3.8%60%£0Free basic valuation, Free basic legal workSome£537.74 *£6,548 *
SkiptonFixed until 30/09/202.58%4.99%4.0%60%£0Free basic valuation, Free basic legal workSome£542.79 *£6,554 *
ExclusiveFixed until 30/09/202.54%3.99%3.5%60%£0Free basic valuation, Free basic legalSome£540.36 *£6,559 *
Leeds BSFixed until 31/08/172.34%5.69%5.2%85%£199Free basic valuation, Free basic legal workSome£528.36 *£6,582 *
West BromwichFixed until 30/09/202.49%3.99%3.5%65%£199Free basic valuation (up to £445), Free basic legal workSome£537.35 *£6,594 *
PrincipalityFixed until 31/07/172.40%4.99%4.8%85%£99Free basic valuation, Free basic legal workSome£531.94 *£6,615 *
CoventryFixed until 30/09/182.65%4.74%4.1%80%£0Free basic valuation, Free basic legal workSome£547.04 *£6,618 *
West BromwichFixed until 30/09/182.39%3.99%3.7%80%£199Free basic valuation (up to £445), Free basic legal workSome£531.34 *£6,619 *
CoventryFixed until 30/09/202.69%4.49%3.8%65%£0Free basic valuation, Free basic legal workSome£549.48 *£6,626 *
PrincipalityFixed until 31/07/182.55%4.99%4.6%75%£99Free basic valuation, Free basic legal workSome£540.97 *£6,641 *
DarlingtonFixed until 31/07/182.50%5.95%5.2%80%£374Free basic valuation, Free basic valuationSome£537.95 *£6,642 *
TSBFixed until 31/10/182.19%3.99%3.6%75%£995Free basic valuation, Free basic legal workSome£519.45 *£6,645 *
NationwideFixed for 5 years2.74%3.99%3.3%70%£0Free basic valuation, Free basic legal workSome£552.53 *£6,657 *
AccordFixed until 31/08/182.74%5.99%4.6%75%£0Free basic valuation, Free basic legal workSome£552.53 *£6,661 *
Scottish WidowsFixed until 30/11/181.99%3.99%3.7%60%£1499Free basic valuation, Free basic legal workSome£508.04 *£6,665 *
HalifaxFixed until 30/09/172.54%3.99%3.8%80%£0Free basic valuation, Free basic legal workSome£540.36 *£6,672 *
AccordFixed until 31/08/182.54%5.99%4.6%80%£475Free basic valuation, Free basic legal workSome£540.36 *£6,678 *
Scottish WidowsFixed until 30/11/182.69%3.99%3.7%75%£0Free basic valuation, Free basic legal workSome£549.89 *£6,693 *
NottinghamFixed until 01/12/172.54%5.74%5.2%85%£199Free basic valuation, Free basic legal workSome£540.36 *£6,695 *
CoventryFixed until 30/09/202.79%4.49%3.9%65%£0Free basic valuation, Free basic legal workSome£555.60 *£6,699 *
NatWestFixed until 31/12/202.58%4.00%3.6%70%£995Free basic valuation, Free basic legal workSome£542.79 *£6,723 *
NottinghamFixed until 01/10/182.75%5.74%5.0%85%£0Free basic valuation, Free basic legal workSome£553.15 *£6,727 *
NationwideFixed for 3 years2.84%3.99%3.7%80%£0Free basic valuation, Free basic legal workSome£558.68 *£6,749 *
Leeds BSFixed until 31/07/202.79%5.69%4.6%75%£199Free basic valuation, Free basic legal workSome£555.60 *£6,763 *
NationwideFixed for 5 years2.89%3.99%3.4%75%£0Free basic valuation, Free basic legal workSome£561.77 *£6,768 *
NewcastleFixed until 30/09/172.35%5.99%4.7%80%£0 None£528.95 *£6,770 *
West BromwichFixed until 30/09/202.74%3.99%3.6%75%£199Free basic valuation (up to £445), Free basic legal workSome£552.53 *£6,776 *
SkiptonFixed until 30/09/202.89%4.99%4.2%75%£0Free basic valuation, Free basic legal workSome£561.77 *£6,781 *
ClydesdaleFixed until 30/09/202.89%4.95%4.2%75%£0Free basic valuation, Free basic legal workSome£562.21 *£6,794 *
NewcastleFixed until 30/09/182.58%5.99%4.3%80%£0 Some£542.79 *£6,795 *
West BromwichFixed until 30/09/172.49%3.99%3.8%85%£199Free basic valuation (up to £445), Free basic legal workSome£537.35 *£6,813 *
ExclusiveFixed for 2 years2.65%5.49%5.1%85%£250Refunded basic valuation, Free basic legal workSome£547.45 *£6,817 *
TSBFixed until 31/10/182.44%3.99%3.7%80%£995Free basic valuation, Free basic legal workSome£534.34 *£6,824 *
Leeds BSFixed until 31/07/202.89%5.69%4.7%80%£199Free basic valuation, Free basic legal workSome£561.77 *£6,837 *
Hinckley & RugbyFixed for 2 years2.19%5.64%5.1%80%£999Free basic valuation, Free basic legal workNone£519.45 *£6,838 *
CoventryFixed until 30/09/182.95%4.74%4.2%85%£0Free basic valuation, Free basic legal workSome£565.48 *£6,839 *
ClydesdaleFixed rate until 30./09/172.19%4.95%4.5%85%£999Free basic valuation, Free basic legal workSome£519.80 *£6,855 *
AccordFixed until 31/08/172.24%5.99%5.3%85%£475 Some£522.41 *£6,860 *
Virgin MoneyFixed until 01/10/192.69%4.79%3.8%75%£995Free basic valuation, Free basic legal workSome£549.48 *£6,864 *
HalifaxFixed until 30/09/172.14%3.99%3.8%80%£999Free basic valuation, Free basic legal workSome£516.51 *£6,885 *
Woolwich (Barclays)Fixed until 30/09/203.19%3.99%3.7%80%£0Free basic valuation, Free basic legal workSome£580.49 *£6,909 *
CoventryFixed until 30/09/203.09%4.49%4.0%75%£0Free basic valuation, Free basic legal workSome£574.21 *£6,923 *
Leeds BSFixed until 31/07/182.19%5.69%4.9%75%£999 Some£519.45 *£6,928 *
NationwideFixed for 3 years3.09%3.99%3.8%85%£0Free basic valuation, Free basic legal workSome£574.21 *£6,936 *
ClydesdaleFixed until 30/09/203.09%4.95%4.3%80%£0Free basic valuation, Free basic legal workSome£574.69 *£6,943 *
NationwideFixed for 5 years3.14%3.99%3.6%80%£0Free basic valuation, Free basic legal workSome£577.35 *£6,955 *
NewcastleFixed until 30/09/202.97%5.99%3.8%80%£0 Some£566.73 *£6,970 *
West BromwichFixed until 30/09/182.89%3.99%3.8%85%£199Free basic valuation (up to £445), Free basic legal workSome£561.77 *£6,984 *
TSBFixed until 31/10/253.19%3.99%3.4%60%£0Free basic valuation, Free basic legal workSome£580.49 *£6,993 *
Virgin MoneyFixed until 01/10/182.75%4.79%4.3%85%£995Free basic valuation, Free basic legal workSome£553.15 *£6,996 *
FurnessFixed for 5 years2.94%5.54%4.9%80%£999Free basic valuation, Free basic legal workSome£564.86 *£7,005 *
NationwideFixed for 10 years3.24%3.99%3.5%60%£0Free basic valuation, Free basic legal workSome£583.65 *£7,017 *
NationwideFixed for 10 years3.24%3.99%3.5%70%£0Free basic valuation, Free basic legal workSome£583.65 *£7,017 *
AccordFixed until 31/08/182.74%5.99%5.1%85%£475 Some£552.53 *£7,019 *
Leeds BSFixed until 31/07/203.14%5.69%4.7%80%£199Free basic valuation, Free basic legal worKSome£577.35 *£7,024 *
West BromwichFixed until 30/09/203.09%3.99%3.7%80%£199Free basic valuation (up to £445), Free basic legal workSome£574.21 *£7,036 *
NationwideFixed for 3 years2.79%3.99%3.7%85%£999Free basic valuation, Free basic legal workSome£555.60 *£7,045 *
Woolwich (Barclays)Fixed until 30/09/203.13%3.99%3.7%80%£0 Some£576.72 *£7,051 *
NottinghamFixed until 01/09/203.25%5.74%5.4%85%£0Free basic valuation, Free basic legal workSome£584.28 *£7,066 *
TSBFixed until 31/10/182.84%3.99%3.9%85%£995Free basic valuation, Free basic legal workSome£558.68 *£7,116 *
AccordFixed until 31/08/182.64%5.99%5.2%85%£975 Some£546.43 *£7,117 *
ExclusiveFixed until 31/08/202.99%5.95%5.0%85%£1074Free basic legal work, Free basic legal workSome£573.64 *£7,129 *
Leeds BSFixed until 31/07/203.29%5.69%4.8%85%£199Free basic valuation, Free basic legal workSome£586.82 *£7,138 *
NottinghamFixed until 01/09/203.09%5.74%4.9%85%£999Free basic valuation, Free basic legal workSome£574.21 *£7,145 *
TSBFixed until 31/10/253.39%3.99%3.6%75%£0Free basic valuation, Free basic legal workSome£593.18 *£7,145 *
Leeds BSFixed until 31/07/253.39%5.69%4.2%75%£199Free basic valuation, Free basic legal workSome£593.18 *£7,165 *
Hinckley & RugbyFixed for 2 years2.65%5.64%5.2%85%£999Free basic valuation, Free basic legal workNone£547.04 *£7,169 *
ClydesdaleFixed until 30/09/203.19%4.95%4.3%85%£999Free basic valuation, Free basic legal workSome£580.98 *£7,219 *
NatWestFixed until 31/12/183.49%4.00%3.9%85%£0Free basic valuation, Free basic legal workSome£599.58 *£7,227 *
NationwideFixed for 10 years3.54%3.99%3.8%75%£0Free basic valuation, Free basic legal workSome£602.79 *£7,247 *
Virgin MoneyFixed until 01/10/173.49%4.79%4.5%90%£0Free basic valuation, Free basic legal workSome£599.58 *£7,248 *
AccordFixed until 31/08/203.29%5.99%4.9%85%£475 Some£586.82 *£7,272 *
AccordFixed until 31/08/203.19%5.99%4.9%85%£975 Some£580.49 *£7,298 *
FurnessFixed for 2 years2.89%5.54%5.4%90%£999Free basic valuation, Free basic legal workSome£561.77 *£7,308 *
West BromwichFixed until 30/09/203.59%3.99%3.9%85%£199Free basic valuation (up to £445), Free basic legal workSome£606.02 *£7,418 *
NatWestFixed until 31/12/173.74%4.00%4.0%90%£0Free basic valuation, Free basic legal workSome£615.74 *£7,436 *
ClydesdaleFixed rate until 30./09/172.99%4.95%4.7%90%£999Free basic valuation, Free basic legal workSome£568.43 *£7,438 *
NationwideFixed for 10 years3.79%3.99%3.9%80%£0Free basic valuation, Free basic legal workSome£619.01 *£7,442 *
West BromwichFixed until 30/09/173.39%3.99%4.0%90%£199Free basic valuation (up to £445), Free basic legal workSome£593.18 *£7,483 *
TSBFixed until 31/10/253.84%3.99%4.0%80%£0Free basic valuation, Free basic legal workSome£622.28 *£7,495 *
Leeds BSFixed until 30/06/253.64%5.69%4.5%80%£999 Some£609.25 *£7,513 *
Post OfficeFixed until 30/09/183.85%4.49%4.4%90%£0Free basic valuationSome£622.93 *£7,521 *
Woolwich (Barclays)Fixed until 30/09/173.49%3.99%4.0%90%£0 Some£599.58 *£7,522 *
AccordFixed until 31/08/173.39%5.99%5.5%90%£130 Some£593.18 *£7,530 *
FurnessFixed for 5 years3.69%5.54%5.2%90%£999Free basic valuation, Free basic legal workSome£612.49 *£7,577 *
West BromwichFixed until 30/09/183.69%3.99%4.0%90%£199Free basic valuation (up to £445), Free basic legal workSome£612.49 *£7,593 *
Virgin MoneyFixed until 01/10/203.99%4.79%4.5%90%£0Free basic valuation, Free basic legal workSome£632.15 *£7,607 *
Post OfficeFixed until 30/09/203.99%4.49%4.4%90%£0Free basic valuationSome£632.15 *£7,614 *
NatWestFixed until 30/12/183.73%4.00%4.1%90%£995Free basic valuation, Free basic legal workSome£615.09 *£7,720 *
ClydesdaleFixed until 30/09/203.89%4.95%4.6%90%£999Free basic valuation, Free basic legal workSome£626.14 *£7,760 *
NationwideFixed for 10 years4.24%3.99%4.3%85%£0Free basic valuation, Free basic legal workSome£648.79 *£7,799 *
TSBFixed until 31/10/254.29%3.99%4.4%85%£0Free basic valuation, Free basic legal workSome£652.15 *£7,853 *
Melton MowbrayFixed until 31/03/204.39%4.99%5.0%90%£398Free basic legal workSome£658.89 *£8,096 *
NewcastleFixed until 30/09/205.05%5.99%5.8%95%£0Free basic valuation (up to £450), Free basic legal workSome£704.29 *£8,490 *
NewcastleFixed until 30/09/174.99%5.99%6.0%95%£0Free basic valuation (up to £450), Free basic legal workSome£700.10 *£8,499 *
Hinckley & RugbyFixed for 5 years4.99%5.64%5.3%95%£999Free basic valuation, Free basic legal workSome£700.10 *£8,643 *
Hinckley & RugbyFixed for 2 years4.59%5.64%5.6%95%£999Free basic valuation, Free basic legal workNone£672.48 *£8,675 *
Melton MowbrayFixed until 31/03/205.25%4.99%5.3%95%£398Free basic legal workSome£718.36 *£8,810 *

* 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.