FCA-regulated lending partners

Get a mortgage from Lengo Home Loans

Competitive rates, no hidden fees, and guidance at every step. See what you can afford to borrow — and get pre-approved today.

4.9 Based on 3,200+ reviews

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No credit score impact to check Decision in principle in minutes Whole-of-market comparison

Rates from

4.2% APR

£2.4B+

Mortgages arranged

850+

Pre-approvals granted

4.9★

Average lender rating

15min

Average decision time

Why choose Lengo Home Loans?

We've built the mortgage process around you — not the lender.

Competitive Rates

We compare thousands of deals from across the whole market — not just a panel. You see the best rates available to you, not the ones that pay us the most commission.

Low Down Payment Options

From 5% deposit mortgages for first-time buyers to 95% LTV products for those with limited savings — we find products that work for your situation, not just the ideal one.

Top-Rated Loan Officers

Every application is handled by a qualified mortgage adviser — not a chatbot. Our advisers have an average 4.9-star rating and are available 7 days a week.

No Credit Score Impact

Our initial eligibility check uses a soft credit search — so you can explore your options without any mark on your credit file.

Decision in Minutes

Our digital application takes under 10 minutes. Most applicants receive a decision in principle the same day — often within the hour.

FCA Regulated

All our lending partners are authorised and regulated by the Financial Conduct Authority. Your money and your data are protected.

How much could you borrow?

Use our calculator to estimate your monthly payments and total cost.

Home price £350,000

£50k£2M

Down payment £70,000 (20%)

5%60%

Interest rate 5.25%

1%12%

Loan term

10yr 15yr 25yr 30yr

Estimated monthly payment

—

Payment breakdown

Loan amount —

Total interest paid —

Total cost of mortgage —

Principal Interest

Ready to move forward? Apply in under 10 minutes.

Already have an account?

Mortgage Types

Not all mortgages are equal. We'll help you pick the right one.

Fixed Rate

Your interest rate is locked in for 2, 5, or 10 years — so your payments never change. Great for budgeting and peace of mind.

Predictable payments
Protection from rate rises
Easy to budget

Flexible

Variable Rate

Your rate can go up or down, usually tracking the Bank of England base rate. Lower rates when rates fall — but payments can rise.

No early repayment charge
Benefits from rate cuts
Flexible overpayments

Lower monthly cost

Interest Only

You only pay the interest each month — not the capital. Lower monthly cost, but you'll need a plan to repay the full loan at the end.

Lower monthly payments
Suited to BTL investors
Frees up monthly cashflow

Follows base rate

Tracker

Your rate tracks the Bank of England base rate at a set margin above it. You benefit fully when rates fall — with no bank discretion.

Transparent pricing
Follows BoE directly
Often no early exit fee

How it works

Four steps. Under 10 minutes. No paper forms.

Create account

Tell us your needs

Property value, deposit, income, and term.

Upload documents

ID, payslips, and bank statements — securely.

Get your decision

Decision in principle, often within the hour.

Frequently asked questions

View all FAQs

Your home. Your mortgage. Your terms.

Join thousands of homeowners who found their mortgage through Lengo Homes.

Your home may be repossessed if you do not keep up repayments on your mortgage. Lengo Homes is a credit broker, not a lender.