HomeOwners Alliance Mortgage Service

We have teamed up with award winning brokers L&C to bring you FREE mortgage advice. Start online or speak to an expert about your mortgage needs. No hidden costs, just great service.

Speak to an expert adviser

0800 073 2326

Call free from mobile or landline to speak to an adviser now
or
Start your mortgage online

Continue online

See the deals you qualify for and how much you could borrow

Let L&C find the best mortgage for you in 4 simple steps

Step 1Compare & Check
Let L&C compare the latest mortgage deals for you over the phone, or do it yourself in real-time online
Step 2See if you qualify
Answer a few questions by phone or online & L&C will let you know which deals you're eligible for - no need for a credit check.
Step 3Apply online
You won't have to tell them any info twice, L&C will keep it and put it in the form so you can check it and apply by phone or online.
Step 4Track & chase
Track your application online 24/7. They'll even appoint a dedicated case manager who'll do all the legwork for you.

Over 2 million people have come to L&C for mortgage advice

Compare over 80 lenders’ deals online
No need for a credit check
See which deals you qualify for online
The entire service is FREE

Compare mortgage deals online

A free service you can trust

The experience using L&C was great. Our mortgage advisor kept in constant communication – even through all of my needy emails asking for updates – which is much appreciated. It most definitely made the process less stressful.
Excellent staff experts in the field. All my questions were answered immediately. Fantastic job!
I was extremely impressed with all parties involved with L&C enabling us to get the family home we have been waiting for. Thank you to all involved

After using L&C 93% of customers would recommend them based on 1451 Reviews.co.uk respondents – as of 23/05/2022

Browse mortgage rates

Take a look at today’s best rates from lenders and get an overview of mortgage options now.

See all best rate mortgage deals

Your home or property may be repossessed if you do not keep up the repayments on your mortgage.

Representative example A mortgage of £211,756 payable over 22 years, initially on a fixed rate until 31/12/26 at 1.19% and then on a variable rate of 4.55% for the remaining 17 years would require 62 payments of £912.07 and 202 payments of £1,184.03. The total amount payable would be £296,956 made up of the loan amount plus interest (£83,966) and fees (£1,234). The overall cost for comparison is 3.0% APRC representative.

Handy tools and calculators

Here’s a selection of practical gadgets and tools to help keep things simple.

Are you looking to remortgage?

How to Remortgage

Remortgaging your property essentially involves you switching from one mortgage to another.

You might be switching to a new and better deal with your existing lender, or you might decide to move to a new mortgage with a different lender.

There are lots of reasons to remortgage. You may have found a cheaper deal which can help you reduce your monthly outgoings, or want to increase the amount you’re borrowing, perhaps to fund home improvements. Read more about how to remortgage.

7 ways to cut your monthly repayments

Repaying your mortgage can appear daunting and leave you little to live on, whether you’re a hard-stretched first time buyer or a parent with a growing family and all the associated costs. But there are ways of lightening the load. Read more about how to reduce your monthly mortgage payments.

Do I need a mortgage broker?

Mortgage brokers – like the experts at L&C – can scour the market for you, looking for the right deal to suit your situation. They can help you save money on your current mortgage and make sure you’re not paying over the odds with your current deal. They are also particularly helpful if you are self employed, buying a buy-to-let or think your situation is unusual in any way. They will know the lenders and deals that will work for you.

With our mortgage service, L&C mortgage brokers offers fee-free expert advice to help you remortgage. They search over 80 providers to find the right deal. You can start your search online with the mortgage finder and speak to them for help at any time. Or just give them a ring to do all the searching for you. They can guide you through the whole process including application. Our guide on using a broker to remortgage.

Start your remortgage online

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HomeOwners Alliance Mortgage Service

Speak to an expert adviser

Start your mortgage online

Let L&C find the best mortgage for you in 4 simple steps

Step 1Compare & Check

Step 2See if you qualify

Step 3Apply online

Step 4Track & chase

Over 2 million people have come to L&C for mortgage advice

A free service you can trust

Browse mortgage rates

Handy tools and calculators

How much can I borrow?

How much will my mortgage cost?

Stamp duty calculator