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London & Country Mortgages
The UK's leading fee-free mortgage and insurance adviser

Despite a late dose of sunshine, autumn is fast approaching and this is often a good time to take stock of your finances and make any changes you need to before the end of the year. In this issue we take a look at the benefits of making regular overpayments on your mortgage while interest rates remain low and the need to review your mortgage if you’re paying your lender's Standard Variable Rate.

We’ve also got some great new deals for you and thanks to everyone who voted for us in the recent What Mortgage Awards!

Overpaying your mortgage while rates are low could reap rewards


	Thousands of borrowers have been enjoying low mortgage repayments whilst the Bank of England base rate has been at 0.5% for a record 30 months. It is of course tempting to enjoy the extra cash – whether it’s to absorb other rising costs such as petrol and utilities, or to spend on more exciting things. However, it’s worth remembering that making regular overpayments on your mortgage can pay dividends in the long run.

On your lender's SVR? – make sure you review your mortgage


	Whilst the Bank of England Base Rate has been at 0.5% for 30 months, not all mortgage rates are as mouth-wateringly low. Many lenders’ Standard Variable Rates are now between 4% and 6% - well above the current crop of best buy deals, meaning you could save a lot by remortgaging.



	House Price Calculator See what your home is worth. Click Here.



	L&C blog
	Recent news from Moneyfacts that the number of mortgage deals available is at its highest level for over 3 years is encouraging. It’s particularly good news for first time buyers as the choice of deals for those with a 10% deposit continues to grow. We’re hoping this trend continues as we head into 2012. David Hollingworth on the growing number of mortgage deals available to borrowers

What Mortgage Awards - Thank You!

Thanks to everyone who voted for us in the What Mortgage Awards – your support helped us win their highly commended accolade for best national adviser.

If you’ve been pleased with our service, we’re always happy to be recommended to others looking for mortgage advice. And to get regular updates on all things mortgage-related, please like us on Facebook or follow us on Twitter.

Deals and Offers

2 mains for £12.95 at Zizzi

40% off your ticket at ODEON cinemas

50% off sale at Debenhams

Up to 50% off at Gap

Tools and Resources

Best Buys
Here is a selection of the latest best buy mortgage deals. more best buys.

House Prices
For prices in your area, try our house price calculator.

Lender	Rate
L&C	2.29%
Woolwich	2.58%
Nationwide	2.64%

Rates correct as at 30/09/2011

Aug	Halifax	Nationwide
Monthly Change	-1.2%	-0.6%
Annual Change	-2.6%	-0.4%
Av. House Price	£161,743	£165,914

1 Minute Mortgage Check
	Click here to view online

Mortgage Calculators
	How much can I borrow?
	How much will it cost?

Life Insurance Quicklinks
If you've recently taken out a new mortgage and need life cover, or if you just need to review your protection needs, then we can help.

	Speak to a life adviser
	1 Minute Life Insurance Check

	Life cover shortfall calculator
	Frequently asked questions

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Calls may be recorded for training and monitoring purposes. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.