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L&C Mortgages Review [Read Our Experts Opinion]

Jane Wardle

Written by Jane Wardle on


Overall Rated: 5.0 / 5


L&C is a mortgage broker formed in 1987. The firm is based in Bath but also holds offices in London and Newcastle. L&C is well-recognized for its fee free mortgage advice and great customer service that guarantees the customers a simple and cost-effective mortgage application process. L&C provides personal customer service, letting customers work hand in hand with an expert mortgage adviser throughout the process. L&C works with more than 90 different mortgage lenders, providing customers with a great opportunity to compare a number of mortgage deals in the market.

Whether you’re a first-time buyer, remortgaging, buying to let, or just purchasing a new home, L&C offers free advice and assistance to find the best and competitive mortgage deal.

Trust & Reputation

Rated 5.0/5

L&C Mortgages provides a broad array of mortgages across the market. Their advice is limited to 1st charge mortgages and does not include 2nd charge loans or bridging finance.

The company provides products from various insurers for term assurance and income protection policies. It also offers products from Legal and General for Home Insurance.

The company provides products from Pinnacle Insurance plc. for Mortgage Payment Protection policies. It also offers products from Ageas Insurance Limited Insurance Limited for Buyer Protection Insurance.

L&C Mortgages is authorized and regulated by the Financial Conduct Authority. Their Financial Services Register number is 143002. Their permitted business includes advising on and arranging mortgages and non-investment insurance contracts. The company is covered by the Financial Services Compensation Scheme (FSCS). 92.8% of L&C customers recommend the company on, while thousands of customers have given high ratings to L&C Mortgages on Trustpilot and Glassdoor. With over 150 performance awards, L&C Mortgages is a well-recognized mortgage broker that helps customers find great deals in the shortest possible time.

Expertise & knowledge

Rated 5.0/5

L&C Mortgages provide competitive and time saving home loan comparison. They are also keen to emphasize that the key to finding the right mortgage - 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, as they point out, there are literally hundreds of loans available at the moment and not everyone has the time to compare each one. That is where L&C provides its value, explaining the details of each loan in plain English and answering all their customers’ questions until they are satisfied with their choice and can make an informed decision.

Customers can use L&C for their first home, their second, third or fourth home, or for a buy to let mortgage. L&C also helps customers negotiate a remortgage of their existing loan to help them get a better deal or free up the equity in their property. It offers time and advice for free since it is paid a commission by the customer’s choice of lender once the mortgage is settled.

Customer Service

Rated 5.0/5

L&C helps customers at every step of their mortgage application process. L&C keeps the application on track, making the process as hassle free as possible for the customers. The mortgage broker assigned to the customers focuses on his or her individual circumstances and needs, as well as the type of loan, lender and features they are after. The broker works with the customer from start to finish offering support and guidance throughout the application.

In terms of communication, it is free to call L&C from a landline or mobile and the brokers are available to help customers 7 days a week. There is no need for an appointment, since customers can also get expert advice by phone.

L&C Mortgages covers the entire UK so anyone can use the service irrespective of location. With over 350 qualified advisers in its offices in Bath, Newcastle-upon-Tyne and London, L&C is on hand 7 days a week to provide customers with a tailored mortgage solution that fits neatly.

Overall, L&C mortgages are a great option for getting fee-free mortgage advice and excellent service where customers can enjoy a simple and cost-effective mortgage application process.

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