L&C Mortgages

Securing your dream home can feel easier with us.

Our expert team can handle the research and application process, ensuring you get the best mortgage deal tailored to your needs, with support all the way through!

Contact us today to get started on your journey to homeownership.

https://bit.ly/3Anu1Vg

Your property may be repossessed if you don’t keep up with repayments on your mortgage.

If you ask L&C to help with your mortgage, you’ll speak on the phone to some of our amazing team members.

Hassan embodies the amazing service we want to provide each and every one of you… probably because he treats every customer like they were his family member. 😍

Thanks, Hassan! We couldn’t be prouder to call you one of our own.

We just love feedback like this!

Whether it’s your first mortgage, or your third, we’re here to help.

No pushy sales.
No jargon.
No fees.

What’s not to love?

Mortgage Myth #2: Seller asking prices are non-negotiable?

Not true!

Whilst sellers might be reluctant to accept an offer under the asking price in the early days of their property being on the market, this will likely change the longer it’s for sale.

You never know though - you could always put in a sensible offer and see what happens!

Just be aware of how much you can borrow on a mortgage before you put in your offer… or you risk having to drop out later if you can’t afford it.

On the flip side, don’t offer way over the value of the home. Remember, the mortgage lender will need to feel confident they can recoup the money they’re loaning against it if you default on the payments. They’ll do their own valuation of the property and won’t lend against it if they don’t think it’s worth what you’ve agreed to pay for it.

Find out more about mortgages on our website:

https://www.landc.co.uk/mortgages/mortgage-guides?utm_source=facebook&utm_medium=social&utm_campaign=trust_the_experts&utm_content=mybusting_guides

You don’t need a 20% deposit to get a mortgage.

Many lenders will offer up to 95% mortgages (needing 5% deposit), but you could even get a mortgage with just 1% deposit.

At L&C, we work with a wide range of lenders, so you can be sure that, with us, you’re always getting the best deal for you.

Your property may be repossessed if you don’t keep up with repayments on your mortgage.

Please be aware that there's an account impersonating us here on Facebook. It is wrongly informing people that they’ve won our giveaway.

The account has been reported, but you may still see comments on our posts so please be vigilant. Do not click any links or provide any personal information to a fraudulent page.

We will be direct messaging the giveaway winner via this (our only) page shortly.

Thanks, L&C

📣 Calling all L&C customers!

Do you want to get your hands on a FREE £20 Amazon voucher?

You know you do!

The good news is that this couldn’t be easier.

All you need to do is refer a friend and the voucher is all yours once they’ve received their mortgage offer.

You get: a £20 voucher
Your friend gets: fee-free mortgage advice.

What’s not to love?!

Sign up to refer your friends below 👇

https://www.landc.co.uk/refer-a-friend?utm_source=facebook&utm_medium=social&utm_campaign=refer_a_friend&utm_content=earn_amazon_voucher

Your property may be repossessed if you don’t keep up with repayments on your mortgage.

We’re excited to share that L&C has won Best Mortgage Broker (over 40 Advisers) and Best Broker Website at the What Mortgage Awards 2024!

Thank you to our amazing team and customers for making this possible. 🎉🏆

What Mortgage

It’s hard to be taken seriously as a first time buyer… but L&C is here to help.

Sure, you can use basic online calculators, but you won’t REALLY know how much you could borrow.

Our online Mortgage Finder asks all the important questions to understand you and your circumstances, so you can get a much more accurate figure to start your search.

We even give you a free Mortgage in Principle, which you can use to show estate agents/developers you’re a serious buyer.

Get started using our Mortgage Finder today: https://www.landc.co.uk/online/mortgage-finder?utm_source=facebook&utm_medium=social&utm_campaign=giving&utm_content=MIP

Your property may be repossessed if you don’t keep up with repayments on your mortgage.

We know a mortgage is one of the biggest financial commitments a person will ever have!

Protection helps relieve the burden of mortgage payments when the worst happens.

Some policies protect your loved ones, and some protect YOU and your lifestyle should you become unable to work.

Whether you already have cover in place that’s in need of review, or you’re just starting to discover what you need - get in touch.

Our protection experts give fee free advice. Call us on 0808 229 4119.

Or visit our website for more information: https://bit.ly/3xTHHGV

Giving back to our local community is important to us.

And so is creating a better, more sustainable future.

That’s why we’ve pledged to go litter picking once a month, in both Bath & Newcastle (where we have offices).

Our colleagues love to get involved - from all levels of the company.

📣 Giveaway!

To celebrate National Give Something Away Day, we’re giving one lucky winner a £25 Lakeland voucher!

To enter, just head to our Facebook and follow the steps:

👉 Like/Follow L&C Mortgages

👉 Tag three friends in the comments of this post

👉 Share this post on your feed

The giveaway is open until 23:59 on the 31st, so you have until to get your entries in. We’ll be picking a winner on August 1st! Full terms & conditions on our website: https://www.landc.co.uk/destination/social/giveaway-facebook?utm_source=facebook&utm_medium=social&utm_campaign=giving&utm_content=giveaway

Good luck!

PS: Want another chance to win? You can enter on our Instagram page too 👀

We give away lots of things as part of our service every day at L&C… if you don’t already know we’re fee free, where have you been?!

But 15th July is National Give Something Away Day, and we couldn’t resist taking part.

Stay tuned and like our page for a chance to win! 👀👍

What do the election results mean for housing and mortgages?

Here’s a reminder of what appeared in Labour’s manifesto in this area:

🏠 Building
- Aim to build 1.5m homes during this parliament. It’ll “immediately update the National Policy Planning Framework… including restoring mandatory housing targets”.
- Will take a brownfield first approach to development, fast-tracking approval of urban brownfield sites. Is “committed to preserving the green belt” and will “take a more strategic approach to greenbelt land designation and release to build more homes in the right places.”

📈 Mortgages
- Will introduce a “permanent, comprehensive mortgage guarantee scheme” to support first time buyers who struggle to save for a large deposit, with lower mortgage costs.

💰 Stamp Duty
- Will increase the rate of Stamp Duty Land Tax for non-UK residents buying property in the UK.

So what will change for YOU in the immediate future?

We’re not likely to see any significant shift in mortgage rates, and any new schemes will take a while to plan and come into play.

So, if you have a 5% deposit saved and you’re looking to buy, it’s a good idea to get started on your mortgage advice journey.

First time buyers need to pass through certain stages before ‘winning’ their mortgage offer…

💰 Save enough deposit

🔢 Get a Mortgage in Principle to see how much you could borrow

🏡 View properties until you find one that matches your needs and numbers

✅ Apply for your mortgage, pass the lender’s affordability checks and meet their criteria

While mortgage advice is an optional part of the process, it can really help. L&C offers a free online Mortgage in Principle, fee free mortgage advice and fee free help through the application process.

So, if you’re ready to get started, get your Mortgage in Principle here! https://bit.ly/get-mortgage-in-principle

Your property may be repossessed if you don’t keep up with repayments on your mortgage.

Looking to buy a home this summer? 🌞🏡

From checking for mould and damp to inspecting the roof and boilers, being thorough when you're viewing could save you a headache later.

For expert advice and a smooth home-buying experience, come to L&C.

We're here to help every step of the way!

https://www.landc.co.uk/utm_source=facebook&utm_medium=social&utm_campaign=summer_checklist&utm_content=carousel

Your property may be repossessed if you don’t keep up with repayments on your mortgage.

Here's your breakdown of what each political party says they'll do for housing ahead of the 4th July election.

Read more on our website: https://www.landc.co.uk/insight/what-the-july-2024-election-could-mean-for-the-housing-market?utm_source=facebook&utm_medium=social&utm_campaign=insight&utm_content=general_election_roundup

Why pay extra?

While many mortgage brokers charge fees, L&C Mortgages remains fee free!

Plus, you won’t pay any more going through us than you would if you went directly to the lender for the same mortgage product.

Get expert advice - contact us today and save on costs: https://www.landc.co.uk/utm_source=facebook&utm_medium=social&utm_campaign=service_promo&utm_content=fee_free

Your property may be repossessed if you don’t keep up with repayments on your mortgage.

At L&C we promote an inclusive culture where everyone can be themselves year-round; in recognition and celebration of Pride Month, we’ve been hearing from our colleagues on what Pride means to them.

We were also privileged to have two of our colleagues share their coming out stories – sharing stories is part of our commitment to improving understanding and the experiences Jayde-Guy Henson and Rose Whitelaw shared were incredibly powerful.

We all have a part to play in making not only L&C but our wider community more accepting and inclusive.

Are you getting your hopes up this year?

🏴󠁧󠁢󠁥󠁮󠁧󠁿

Not unexpected due to the looming general election, but a disappointment to many looking for a mortgage this year nonetheless.

Here at L&C, we’re on a sustainability mission, with our Head of Sustainability and Customer Experience Keeran Campbell leading the charge.

As part of the Barclays UK podcast, Keeran joins Rachael Hunnisett of the Green Finance Institute and Phil Spencer from Location, Location, Location, to discuss Green Mortgages.

In this episode, they break down how Green Mortgages work, the benefit for customers, the role they will play in Net Zero and how the future of Green Mortgages may look.

Listen here: https://BarclaysMortgageInsider.lnk.to/podcastgu

🌳🌱🌿🏡💚

At L&C, we understand the importance of mental health for everyone, year-round.

This week is and we’re trying to do our bit to raise awareness and encourage our colleagues to have meaningful conversations, with each other and their loved ones.

We spoke to Scott Fallon, Protection Expert at L&C, about why this is so important:

"There is a huge stigma around men not speaking out and addressing issues, and I really feel like this needs to be addressed. We all need to be aware of not just our own mental and physical wellbeing, but also those around us and to always push each other to do and be better."

"Working in protection at L&C and seeing first-hand people making claims changed my mindset on physical and mental health. Speaking to clients daily who have serious health issues showed me that it can happen to anyone, at any time – we’re not invincible."

"I made a deal with myself after recovering from an injury and struggling with my mental health that I needed to make a change once and for all. Now, I wake up around 6:30am most days, go for a walk or to the gym, and maintain a balanced lifestyle. My focus and drive for work is better than ever, and I am in the best mental place I have ever been!"

"Just take the step to talk to those close to you if you don’t feel right, whether mentally or physically. It took me years to be able to do this, but since taking that step, my life has never been better. That one scary decision might be the one that changes your life."

Which of these best applies to your home-buying journey?

React to the post to let us know!

That mortgage offer feeling 🤩

We always love seeing these amazing bits of feedback from happy L&C customers!

If you need some fee free mortgage advice, we’re here to help!

Get started online: https://bit.ly/45dqYud

Your property may be repossessed if you don’t keep up with repayments on your mortgage.

Thinking of getting your first home?

The first thing you’ll need to know is how much you could borrow on a mortgage.

There are a number of factors that come into play.

For example, mortgage lenders will take into account your income and outgoings, any benefits, student loans, credit card debt, and more.

Head to our website to try our mortgage borrowing calculator, and you’ll find a huge range of other resources to help you get on the property ladder.

https://bit.ly/44R5Vxr