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.
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:
Ahli United Bank
Bank of China
Bank of Ireland
Bath Building Society
Beverley Building Society
Brown Shipley Private Bank
Buckinghamshire Building Society
Cambridge Building Society
Clydesdale Bank plc
Coutts & Co
Coventry Building Society
Darlington Building Society
Dudley Building Society
Earl Shilton Building Society
Ecology Building Society
EFG Private Bank Limited
Family Building Society
Foundation Home Loans
Hinckley & Rugby Building Society
Investec Specialist Bank
Ipswich Building Society
Leeds Building Society
Leek United Building Society
Mansfield Building Society
Marsden Building Society
Monmouthshire Building Society
Nationwide Building Society
New Street Mortgages
Newbury Building Society
Nottingham Building Society
Penrith Building Society
Platform Home Loans
Post Office Mortgages
Saffron Building Society
Scottish Widows Bank PLC
Skipton Building Society
Stafford Railway BS
State Bank of India
Swansea Building Society
The Mortgage Lender
The Mortgage Works
Tipton & Coseley
UBS Private Bank
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).
Apply for a mortgage with L&C
London and Country Mortgage Experts
L&C is a specialist broker offering mortgage comparison & free advice.
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 2020 customer satisfaction awards, L&C won the top prize in the mortgages category, with 5 out of 5 stars and 93% of users saying they would recommend the service.
Customers surveyed praised the service’s ease of use and the great customer care.
L&C also has a good ranking on online customer review platforms (updated on 5 June 2020):
4.5 out of 5 Based on 1,503
4.66 out of 5 Based on 1,387 reviews
Customers love the friendly and helpful service, though some reported a slow application 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.
Start your mortgage application
The Mojo mortgage calculator compares rates in less than one minute. A free online mortgage broker.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.
Matthew Boyle is a mortgages and home services publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife.
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