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 is a specialist broker offering mortgage comparison & free advice.
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:
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:
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.
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.
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”.
Call 0808 292 2152 for free 7 days a week, or arrange for a call back.
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.
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.
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