L&C mortgage brokers

Find the perfect mortgage deal for you with the UK’s largest fee-free mortgage broker, L&C.

L&C is a mortgage broker and adviser and was founded in 1987. The company is based in Bath but now also holds offices in London and Newcastle. L&C is known for its fee-free mortgage advice and excellent customer service that guarantees customers a simple and cost-effective process. L&C offers personal customer service where customers work with the same expert mortgage adviser from start to finish. Whether you’re a first-time buyer, remortgaging, buying to let, or simply buying a new home, L&C can offer advice and assistance to find the best mortgage deal for you.

London and Country Mortgage Experts

L&C is a specialist broker offering mortgage comparison & free advice.
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Who does L&C work with?

L&C works with over 90 different mortgage lenders, giving you a great opportunity to compare different mortgage deals in the market. The lenders that L&C works with include:

  • Accord Mortgages
  • Ahli United Bank
  • Aldermore Bank
  • Axis Bank
  • Bank of China
  • Bank of Ireland
  • Barclays
  • Bath Building Society
  • Beverley Building Society
  • Bluestone
  • BM Solutions
  • Brown Shipley Private Bank
  • Buckinghamshire Building Society
  • BuildLoan
  • Cambridge Building Society
  • Chorley BS
  • Clydesdale Bank plc
  • Coutts & Co
  • Coventry Building Society
  • Darlington Building Society
  • Digital Mortgages
  • Dudley Building Society
  • Earl Shilton Building Society
  • Ecology Building Society
  • EFG Private Bank Limited
  • Family Building Society
  • Fleet Mortgages
  • Foundation Home Loans
  • Furness
  • Godiva Mortgages
  • Halifax PLC
  • Handelsbanken
  • Hanley Economic
  • Harrods Bank
  • Hinckley & Rugby Building Society
  • Hodge Lifetime
  • Holmesdale
  • HSBC
  • InterBay Commercial
  • Investec Specialist Bank
  • Ipswich Building Society
  • Kensington
  • Kent Reliance
  • Keystone
  • Kleinwort Benson
  • Landbay
  • Leeds Building Society
  • Leek United Building Society
  • Magellan
  • Mansfield Building Society
  • Market Harborough
  • Marsden Building Society
  • Melton Mowbray
  • Metro Bank
  • Monmouthshire Building Society
  • Mortgage Trust
  • Nationwide Building Society
  • NatWest
  • Natwest International
  • New Street Mortgages
  • Newbury Building Society
  • Newcastle Direct
  • Nottingham Building Society
  • Paragon Mortgages
  • Penrith Building Society
  • Pepper Homeloans
  • Platform Home Loans
  • Post Office Mortgages
  • Precise Mortgages
  • Principality
  • RBS IP
  • Saffron Building Society
  • Sainsburys Bank
  • Santander
  • Scottish Widows Bank PLC
  • Shawbrook Bank
  • Skipton Building Society
  • Skipton International
  • Stafford Railway BS
  • State Bank of India
  • Swansea Building Society
  • Teachers BS
  • Tesco Bank
  • The Mortgage Lender
  • The Mortgage Works
  • Tipton & Coseley
  • TSB
  • UBS Private Bank
  • Vida Homeloans
  • Virgin Money
  • West Bromwich Building Society

What are the benefits of L&C?

A mortgage broker will do all of the hard work and research in comparing mortgages and lenders based on your needs and eligibility. Your broker will also negotiate with your chosen lender on your behalf to make sure you are getting the right deal for you.

L&C says it will offer customers:

  • Fee-free mortgage advice. L&C offers it service free because it is paid a commission by the lender you choose once your mortgage is settled.
  • Time-saving loan comparison. The key to finding the right mortgage and one which will see you through your home repayments as easily as possible is taking the time to make comparisons of each loan product. However, there are hundreds of loans and few people have the time to compare each one. That is where a broker like L&C can help, by seeking a loan that matches your individual needs.
  • Easy to understand guidance. If you have several questions about your home loan and were to spend the time asking a lender for all of this information you might you had to sign up with that lender. However L&C will explain the details of each loan.
  • Loan application assistance. Filling out mortgage paperwork can be confusing and if you get it wrong, you could jeopardise your chances of loan approval. A broker like L&C can help to keep your application on track.
  • An ongoing service and relationship. You can use L&C for your first home, your second, third or fourth home, or for a buy to let mortgage. L&C can also help you negotiate a remortgage of your existing loan to help you get a better deal or free up the equity in your property.
  • Support. L&C says it will support you throughout your application
  • Free to call L&C from a landline or mobile, 7 days a week.
  • Fully qualified and certified. L&C is authorised and regulated by the Financial Conduct Authority (FCA).

What is the difference between seeing a mortgage broker over a bank?

If you approach just one or two lenders you are not going to get an accurate picture of the loans available in the UK because if you see one lender, they may not have a product which will meet those needs but they’re not going to tell you to see another lender who does have the right loan. Instead you might end up being told the loans on offer are the ones which are right for you.

When you work with a mortgage broker it is their job to compare lenders and different loans to find the one that will be right for you. They will also read and explain all of the fine print which allows you to accurately compare the cost of each loan.

How do L&C make money?

L&C receive a payment from the lender when a mortgage completes. The difference is that unlike other mortgage brokers, they do not charge customers a fee on top of this.

They also offer a couple of optional services such as conveyancing and life cover. If you choose to use these, you’ll pay a fee to the conveyancer and L&C will receive an introductory fee from them. With life cover, L&C receive a commission payment from the cover provider.

The company makes more money the more mortgage applications that are approved, as these fees come directly as payment from the lender per sale.

How to get in contact with L&C

Call 0808 292 2152 for free 7 days a week, but only until 8pm on weekdays, or arrange for a call back.

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2 Responses

  1. Default Gravatar
    NinaApril 8, 2018

    British national work for a Chinese company based in China and get paid in Chinese yen. Recently refused by a loan provider. Can you help?

    • Avatarfinder Customer Care
      JoshuaApril 9, 2018Staff

      Hi Nina,

      Thanks for getting in touch with finder.

      I hope all is well for you Nina. Just a friendly reminder, we are not affiliated with L&C Mortgage Brokers and so we can only offer general information. Just in case you need specific information from L&C Mortgage Broker, you might want to directly get in touch with them. They have the necessary knowledge and network to help you find the right mortgage for you.

      Moreover, you may also explore our website to get more information. For example, if you are a first home buyer, you may want to read this page. It talks about things you need to know before you apply for a loan.

      You can also read our A Buy to Let Mortgage Guide.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

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