You can save £000's a year when you remortgage from a standard variable rate

You can save £000's a year when you remortgage from a standard variable rate

Supacompare has partnered with L&C Mortgages, voted the UK's best mortgage provider

Buy a property Remortgage


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How are we Fee Free?

Supacompare has partnered with L&C Mortgages, voted the UK's best mortgage provider - Like all other brokers, L&C receives a payment from the lender when the mortgage completes. The difference is that, unlike other mortgage brokers, L&C simply chooses not to charge customers a fee on top of this. It's an approach that's proved itself to work time and time again. In fact, L&C has won over 150 industry awards for services since 2002.

How can I get the best Mortgage Deal for me?

Let’s take a quick look at the different kinds of mortgage policies to find out if there’s one that suits you.


A fixed-rate mortgage can offer peace of mind because you’ll know what your monthly repayments are. But a tracker mortgage could be cheaper overall. It’s important to consider what suits your financial circumstances and attitude to risk


Factor in the length of the initial term – there is likely to be an Early Repayment Charge if you want to leave early.

Credit rating

Check your Credit Report before applying for a new mortgage. This can have a big impact on what mortgage rates and deals you’ll be offered. You can also take steps to improve your rating where possible, such as getting on the electoral roll.

Check out all options

By shopping around, you can look across the whole mortgage market to find deals that suit your needs. That’s where we can help with L&C comparing the very latest mortgage deals

What mortgage do I need?



Remortgaging is when you switch your existing mortgage to a new deal, using the same property as security. You can remortgage with the same lender or a different provider. It’s a chance to find a better deal with a lower rate of interest.


First time buyer

As the name suggests, a first-time buyer mortgage is aimed specifically at people buying a property in the UK for the first time. Our comparison tool can help you play around with deposits vs. borrowing amounts, to find a mortgage rate that can help you achieve your dream.


Buy-to-let mortgage

A buy-to-let mortgage is specifically designed for people who want to invest in a property, whether a house or flat, in order to rent it out to tenants. You’ll usually need a larger deposit than you would for a mortgage to buy your own home.

Stamp Duty Calculator

The rate of stamp duty you'll pay depends on where in the UK you're buying a property. England and Northern Ireland have the same rates, while Scotland and Wales use different rate bandings.

This calculator shows how much stamp duty is due on a MAIN RESIDENCE ONLY (excluding buy-to-let and additional properties), based on where you're buying.

More questions? we've got you covered...

Individuals and businesses use mortgages to buy real estate without paying the entire purchase price up front. The borrower repays the loan plus interest over a specified number of years until they own the property free and clear. Most traditional mortgages are fully-amortizing. This means that the regular payment amount will stay the same, but different proportions of principal vs. interest will be paid over the life of the loan with each payment. Typical mortgage terms are for 30 or 15 years. Mortgages are also known as liens against property or claims on property. If the borrower stops paying the mortgage, the lender can foreclose on the property. For example, a residential homebuyer pledges their house to their lender, which then has a claim on the property. This ensures the lender’s interest in the property should the buyer default on their financial obligation. In the case of a foreclosure, the lender may evict the residents, sell the property, and use the money from the sale to pay off the mortgage debt.

Would-be borrowers begin the process by applying to one or more mortgage lenders. The lender will ask for evidence that the borrower is capable of repaying the loan. This may include bank and investment statements, recent tax returns, and proof of current employment. The lender will generally run a credit check as well. If the application is approved, the lender will offer the borrower a loan of up to a certain amount and at a particular interest rate. Homebuyers can apply for a mortgage after they have chosen a property to buy or while they are still shopping for one, a process known as pre-approval. Being pre-approved for a mortgage can give buyers an edge in a tight housing market because sellers will know that they have the money to back up their offer.

The price of a home is often far greater than the amount of money that most households save. As a result, mortgages allow individuals and families to purchase a home by putting down only a relatively small down payment, such as 20% of the purchase price, and obtaining a loan for the balance. The loan is then secured by the value of the property in case the borrower defaults.

Mortgage lenders will need to approve prospective borrowers through an application and underwriting process. Home loans are only provided to those who have sufficient assets and income relative to their debts to practically carry the value of a home over time. A person’s credit score is also evaluated when making the decision to extend a mortgage. The interest rate on the mortgage also varies, with riskier borrowers receiving higher interest rates.

Many mortgages carry a fixed interest rate. This means that the rate will not change for the entire term of the mortgage—typically 15 or 30 years—even if interest rates rise or fall in the future. A variable or adjustable-rate mortgage (ARM) has an interest rate that fluctuates over the loan’s life based on what interest rates are doing.