L&C

L&C mortgage broker review

Find the perfect mortgage deal for you with the UK's largest fee-free mortgage broker, London and Country.

Avatar

By

Matthew Boyle

Updated

Fact checked
3.7 ★★★★★ (161 reviews) Write a review

L&C is a mortgage broker and adviser and was founded in 1987. The company is based in Bath but now also has 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.

L&C Mortgage Advice

London and Country Mortgage Experts

L&C is a specialist broker offering mortgage comparison & free advice.

  • Compare over 80 mortgage lenders
  • Fee FREE mortgage advice
  • Personal customer service from start to finish
  • Open 7 days a week
Compare now
More Info
Promoted

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 feel 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 keep your application on track, and you can now monitor its progress online 24/7.
  • 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. Ring 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 speaking to a mortgage broker and a bank?

If you approach just one or two lenders you are not going to get an accurate picture of all the loans available in the UK. This is because if you visit only one bank it may not have a mortgage product that will meet your needs, but it’s not necessarily 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 receives 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.

Customer reviews for L&C

In our independent 2023 customer satisfaction survey, L&C received 4.5 out of 5 stars with 88% of users saying they would recommend the service.

Customers surveyed praised the service’s ease of use and cost. Customers also praised the friendly and helpful service, though some reported a slow application process. One commented: “Excellent help and supportive throughout the whole process”.

How to get in contact with L&C

Call 0808 292 2152 for free 7 days a week, or arrange for a call back.

Pros and cons

Pros

  • Free to use.
  • Deals from more than 90 lenders are compared.
  • You can use its online service 24 hours a day.
  • L&C mortgages is regulated by the FCA.

Cons

  • L&C doesn’t compare the whole of the UK mortgage market, so there’s no guarantee you’ll find the absolute best deal for your needs.

The bottom line

L&C offers compares over 90 lenders and offers fee-free mortgage advice. What’s not to like? If you use this established mortgage broker, you’re bound to find a great deal.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgage ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

More guides on Finder

2 Responses

    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?

    Reply
      AvatarFinder
      JoshuaApril 9, 2018Finder

      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

      Reply
Go to site