{"id":21767,"date":"2017-06-06T17:03:24","date_gmt":"2017-06-06T16:03:24","guid":{"rendered":"http:\/\/www.finder.com\/uk\/?page_id=21767"},"modified":"2026-05-13T12:03:05","modified_gmt":"2026-05-13T11:03:05","slug":"london-and-country","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/london-and-country","title":{"rendered":"L&C mortgage broker review"},"content":{"rendered":"

L&C is a mortgage broker and adviser<\/a> that looks at nearly the full UK mortgage market to help you find the best rates available to you. You don\u2019t have to use a broker when you\u2019re getting a mortgage, but checking 90+ banks and building societies individually would take a long time. Brokers can also sometimes access exclusive deals or deals from lenders that \u201conly work with intermediaries\u201d.<\/p>

Some of the biggest, best-known and trusted brokers in the UK are Habito, Mojo and L&C. We\u2019ll unpack what can set a good mortgage broker apart in this review. There are also numerous smaller brokers, including one-man bands. Those can be good if you\u2019re after a local, personal experience. But if you\u2019re after a slick online experience as well as expert human advice, companies like L&C<\/a> are worth trying out.<\/p>

Top line: Our verdict on L&C<\/h3>

L&C is certainly thorough (whether you like it or not!). It\u2019s great that you can speak to real human experts, more or less when it suits you. Not all brokers man their phones at the weekends, and for most people buying a house, weekends are key. L&C really will guide you through the whole process carefully, and with its huge panel you can feel confident you\u2019ve done your homework (or it\u2019s been done for you) and checked the market to find a very competitive rate.<\/p>

L&C is all about getting on the phone and talking things through. For a more online (but still human) experience, go for Habito<\/a>.<\/p>

All in all, we thought L&C\u2019s advice was clear, comprehensive and practical. It\u2019s fee-free and takes the time to understand your unique circumstances (doing a good job of serving those with limited or damaged credit). Would recommend!<\/p>

How do I use L&C?<\/h3>

L&C is based in Bath and now also has offices in London and Newcastle, but you don\u2019t visit those \u2013 everything is online and over the phone.<\/p>

You\u2019ll start by creating an account on the site, which involves working through a 5-minute form covering your situation and what you\u2019re looking for. After that you\u2019ll book a phone call where your dedicated adviser will gather more specific details. That call lasts about 45 minutes and there\u2019s ample opportunity to ask any questions you have. Typically during this call you\u2019ll get an idea of how much you can borrow and what the best rates are.<\/p>

Settling on a particular deal from a particular lender requires a 10-minute \u201crecommendation call\u201d, but from then on the case management team will take over. You can still speak to your dedicated adviser if you want to though. You can also log into your online account whenever you want to track how your mortgage is progressing.<\/p>

L&C offers personalised customer service where customers work with the same expert mortgage adviser from start to finish. That has to happen during phone opening hours, but that\u2019s perhaps the price of an expert human service. L&C\u2019s phone lines are open more hours than other big UK brokers\u2019. Whether you\u2019re 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.<\/p>

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With L&C, you create an account by filling out a 5-minute on-boarding form covering your circumstances and what you\u2019re after.<\/figcaption><\/div>
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Step 2 is to schedule a roughly 45-minute call with your assigned expert who will explain how much you can borrow and the best rates available.<\/figcaption><\/div>
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When we tested L&C\u2019s onboarding we were able to get an appointment the same day, to speak to an expert mortgage adviser.<\/figcaption><\/div><\/div>

Who does L&C work with?<\/h3>

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:<\/p>