{"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":"2026-02-18T09:40:01","modified_gmt":"2026-02-18T09:40:01","slug":"london-and-country","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/london-and-country","title":{"rendered":"L&amp;C mortgage broker review"},"content":{"rendered":"<p>L&amp;C is a <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/mortgage-brokers\">mortgage broker<\/a> and adviser and was founded in 1987. The company is based in Bath but now also has offices in London and Newcastle. L&amp;C is known for its fee-free mortgage advice and excellent customer service that guarantees customers a simple and cost-effective process. L&amp;C offers personal customer service where customers work with the same expert mortgage adviser from start to finish. Whether you\u2019re a first-time buyer, remortgaging, buying to let, or simply buying a new home, L&amp;C can offer advice and assistance to find the best mortgage deal for you.<style>\r\n.hero-rates__rates > header > a { margin: 0px auto 5px; }\r\n.hero-rates__rates .hero-rates__header { max-width: 95%; margin-left: auto; margin-right: auto; }\r\n@media screen and (max-width: 600px) {\r\n.hero-rates__rates > header > a { max-width: 240px; }\r\n\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n\r\n}\r\n.hero-rates__description>ul.list-10, .hero-rates__description>ul.list-1, .hero-rates__description h3.hero-rates__offer { display: block; }\r\n\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<article id=\"ukfeatureproduct\" class=\"hero-rates uk-hero-rates\" style=\"max-width: 42rem; margin: 0 auto 20px; min-height: 0px; \">\r\n\r\n<div class=\"hero-rates__content\">\r\n<section class=\"hero-rates__rates\" style=\"flex-shrink: 0;\">\r\n  \r\n<header class=\"hero-rates__header has-margin-top-xsmall\">\r\n\r\n<a rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/londonandcountry-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22b5f916cf-78d8-4921-92ce-fbc6c5a00c89%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BMortgage%2BAdvice%22%2C%22offer_id%22%3A%223781%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_DEFAULT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22post_id%22%3A%2221767%22%2C%22post_path%22%3A%22mortgages%252Flondon-and-country%22%2C%22post_country%22%3A%22uk%22%7D\">\r\n\r\n  \r\n<img decoding=\"async\" alt=\"L&amp;C Mortgage Advice\" src=\"https:\/\/www.finder.com\/niche-builder\/5bfe8f7552f8e.png\" width=\"160\" height=\"100\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5bfe8f7552f8e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5bfe8f7552f8e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5bfe8f7552f8e.png?fit=480 480w\" sizes=\"(max-width: 480px) 100vw, 480px\" loading=\"lazy\">\r\n\r\n  \r\n<\/a>\r\n\r\n<\/header>\r\n  \r\n<\/section>\r\n\r\n<section class=\"hero-rates__description\">\r\n\r\n<h3 class=\"hero-rates__offer\">\r\nLondon and Country Mortgage Experts\r\n\r\n<\/h3>\r\n      \r\n\r\n<p class=\"hero-rates__features\">L&amp;C is a specialist broker offering mortgage comparison &amp; free advice.<\/p>\r\n\r\n\r\n\r\n<ul class=\"list-1\" style=\"max-width: 95%;\">\r\n<li>Compare over 80 mortgage lenders<\/li><li>Fee FREE mortgage advice<\/li><li>Personal customer service from start to finish<\/li><li>Open 7 days a week<\/li>\r\n\r\n<\/ul>\r\n\r\n\r\n\r\n\r\n<\/section>\r\n\r\n<section class=\"hero-rates__cta\">\r\n  \r\n<div class=\"applylinks UKFHL has-margin-top-xsmall\">\r\n\r\n<a class=\"luna-button luna-button--success luna-button--cta luna-button--large has-margin-bottom-xsmall\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/londonandcountry-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22b5f916cf-78d8-4921-92ce-fbc6c5a00c89%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BMortgage%2BAdvice%22%2C%22offer_id%22%3A%223781%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_DEFAULT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22post_id%22%3A%2221767%22%2C%22post_path%22%3A%22mortgages%252Flondon-and-country%22%2C%22post_country%22%3A%22uk%22%7D\">\r\nCompare now\r\n\r\n<\/a>\r\n<br>\r\n\r\n\r\n  \r\n  \r\n  \r\n\r\n\r\n\r\n\r\n<a href=\"https:\/\/www.finder.com\/uk\/mortgages\/london-and-country\" class=\"h_hero_tc tc\">More Info<\/a>\r\n\r\n\r\n<\/div>\r\n\r\n<\/section>\r\n\r\n\r\n  \r\n<\/div>\r\n  \r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<\/article><\/p><h3 id=\"who_does_l_amp_c_work_with\">Who does L&amp;C work with?<\/h3><p>L&amp;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&amp;C works with include:<\/p><div class=\"has-margin-bottom-large\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><ul class=\"list-10\"><li>Accord Mortgages<\/li><li>Ahli United Bank<\/li><li>Aldermore Bank<\/li><li>Axis Bank<\/li><li>Bank of China<\/li><li>Bank of Ireland<\/li><li>Barclays<\/li><li>Bath Building Society<\/li><li>Beverley Building Society<\/li><li>Bluestone<\/li><li>BM Solutions<\/li><li>Brown Shipley Private Bank<\/li><li>Buckinghamshire Building Society<\/li><li>BuildLoan<\/li><li>Cambridge Building Society<\/li><li>Chorley BS<\/li><li>Clydesdale Bank plc<\/li><li>Coutts &amp; Co<\/li><li>Coventry Building Society<\/li><li>Darlington Building Society<\/li><li>Digital Mortgages<\/li><li>Dudley Building Society<\/li><li>Earl Shilton Building Society<\/li><li>Ecology Building Society<\/li><li>EFG Private Bank Limited<\/li><li>Family Building Society<\/li><li>Fleet Mortgages<\/li><li>Foundation Home Loans<\/li><li>Furness<\/li><li>Godiva Mortgages<\/li><li>Halifax PLC<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/3@s\"><ul class=\"list-10\"><li>Handelsbanken<\/li><li>Hanley Economic<\/li><li>Harrods Bank<\/li><li>Hinckley &amp; Rugby Building Society<\/li><li>Hodge Lifetime<\/li><li>Holmesdale<\/li><li>HSBC<\/li><li>InterBay Commercial<\/li><li>Investec Specialist Bank<\/li><li>Ipswich Building Society<\/li><li>Kensington<\/li><li>Kent Reliance<\/li><li>Keystone<\/li><li>Kleinwort Benson<\/li><li>Landbay<\/li><li>Leeds Building Society<\/li><li>Leek United Building Society<\/li><li>Magellan<\/li><li>Mansfield Building Society<\/li><li>Market Harborough<\/li><li>Marsden Building Society<\/li><li>Melton Mowbray<\/li><li>Metro Bank<\/li><li>Monmouthshire Building Society<\/li><li>Mortgage Trust<\/li><li>Nationwide Building Society<\/li><li>NatWest<\/li><li>Natwest International<\/li><li>New Street Mortgages<\/li><li>Newbury Building Society<\/li><li>Newcastle Direct<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/3@s\"><ul class=\"list-10\"><li>Nottingham Building Society<\/li><li>Paragon Mortgages<\/li><li>Penrith Building Society<\/li><li>Pepper Homeloans<\/li><li>Platform Home Loans<\/li><li>Post Office Mortgages<\/li><li>Precise Mortgages<\/li><li>Principality<\/li><li>RBS IP<\/li><li>Saffron Building Society<\/li><li>Sainsburys Bank<\/li><li>Santander<\/li><li>Scottish Widows Bank PLC<\/li><li>Shawbrook Bank<\/li><li>Skipton Building Society<\/li><li>Skipton International<\/li><li>Stafford Railway BS<\/li><li>State Bank of India<\/li><li>Swansea Building Society<\/li><li>Teachers BS<\/li><li>Tesco Bank<\/li><li>The Mortgage Lender<\/li><li>The Mortgage Works<\/li><li>Tipton &amp; Coseley<\/li><li>TSB<\/li><li>UBS Private Bank<\/li><li>Vida Homeloans<\/li><li>Virgin Money<\/li><li>West Bromwich Building Society<\/li><\/ul><\/div><\/div><\/div><div class=\"has-margin-bottom-large\"><h3 id=\"what_does_a_mortgage_broker_like_l_amp_c_do_for_its_customers\">What are the benefits of L&amp;C?<\/h3><p>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.<\/p><p>L&amp;C says it will offer customers:<\/p><ul class=\"list-1\"><li><strong>Fee-free mortgage advice. <\/strong>L&amp;C offers it service free because it is paid a commission by the lender you choose once your mortgage is settled.<\/li><li><strong>Time-saving loan comparison.<\/strong> 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&amp;C can help, by seeking a loan that matches your individual needs.<\/li><li><strong>Easy to understand guidance.<\/strong> 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&amp;C will explain the details of each loan.<\/li><li><strong>Loan application assistance.<\/strong> 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&amp;C can help keep your application on track, and you can now monitor its progress online 24\/7.<\/li><li><strong>An ongoing service and relationship. <\/strong> You can use L&amp;C for your first home, your second, third or fourth home, or for a buy-to-let mortgage. L&amp;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.<\/li><li><strong>Support.<\/strong> L&amp;C says it will support you throughout your application<\/li><li><strong>Free to call.<\/strong> Ring L&amp;C from a landline or mobile, 7 days a week.<\/li><li><strong>Fully qualified and certified.<\/strong> L&amp;C is authorised and regulated by the Financial Conduct Authority (FCA).<\/li><\/ul><\/div><div class=\"has-margin-bottom-large\"><h3 id=\"what_is_the_difference_between_seeing_a_mortgage_broker_over_a_bank\">What is the difference between speaking to a mortgage broker and a bank?<\/h3><p>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\u2019s 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.<\/p><p>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.<\/p><\/div><h3>How do L&amp;C make money?<\/h3><p>L&amp;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.<\/p><p>They also offer a couple of optional services such as conveyancing and life cover. If you choose to use these, you\u2019ll pay a fee to the conveyancer and L&amp;C will receive an introductory fee from them. With life cover, L&amp;C receive a commission payment from the cover provider.<\/p><p>The company makes more money the more mortgage applications that are approved, as these fees come directly as payment from the lender per sale.<\/p><h3>Customer reviews for L&amp;C<\/h3><p>In our independent 2023 <a href=\"https:\/\/www.finder.com\/uk\/mortgages\"> customer satisfaction survey<\/a>,  L&amp;C received 4.5 out of 5 stars with 88% of users saying they would recommend the service.<\/p><p>Customers surveyed praised the service\u2019s ease of use and cost. Customers also praised the friendly and helpful service, though some reported a slow application process. One commented: \u201cExcellent help and supportive throughout the whole process\u201d.<\/p><h3>How to get in contact with L&amp;C<\/h3><p>Call 0808 292 2152 for free 7 days a week, or arrange for a call back.<\/p><h3>Pros and cons<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Free to use.<\/li>\n                                    <li>Deals from more than 90 lenders are compared.<\/li>\n                                    <li>You can use its online service 24 hours a day.<\/li>\n                                    <li>L&amp;C mortgages is regulated by the FCA.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>L&amp;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.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>The bottom line<\/h3><p>L&amp;C offers compares over 90 lenders and offers fee-free mortgage advice. What\u2019s not to like? If you use this established mortgage broker, you\u2019re bound to find a great deal.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article>\n\n<div class=\"box no-padding-bottom\">\n<h4 id=\"methodology\">Mortgage ratings<\/h4>\n<div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><div><span class=\"luna-stars luna-stars__fill--100 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2014 Excellent<\/div><div><span class=\"luna-stars luna-stars__fill--80 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2014 Good<\/div><div><span class=\"luna-stars luna-stars__fill--60 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2014 Average<\/div><div><span class=\"luna-stars luna-stars__fill--40 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2014 Subpar<\/div><div><span class=\"luna-stars luna-stars__fill--20 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> \u2014 Poor<\/div><\/div><div class=\"u-grid__col u-2\/3@s\"><p>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.<\/p><\/div><\/div>\n<\/div>\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Find out about L&amp;C mortgage brokers.<\/p>\n","protected":false},"author":645,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[1023],"tags":[],"asset_tag":[],"class_list":["post-21767","post","type-post","status-publish","format-standard","hentry","category-mortgages"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>London and Country (L&amp;C) mortgage brokers review | Finder uk<\/title>\n<meta name=\"description\" content=\"L&amp;C mortgages, also known as London and Country, have won over 100 awards for their advice and services. Take a look at our review and enquire today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/mortgages\/london-and-country\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L&amp;C mortgage broker review\" \/>\n<meta property=\"og:description\" content=\"L&amp;C mortgages, also known as London and Country, have won over 100 awards for their advice and services. 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