About L&C Mortgages
At L&C, we believe that buying a home should be fun and remortgaging should be simple.
But unfortunately, the process of securing a mortgage can often be a real headache for some people. With so many to choose from, it’s hard to know where to start. If you go direct to a lender, it can take several hours just to fill in the paperwork and you need to book an appointment.
And there’s no guarantee you’ll be accepted.
And if you're turned down, you leave a papertrail that could jeopardise any future applications you make.
All this can add up to a lot of stress and hassle.
But there is another way...
...Because at L&C, we do all the hard work for you, from application all the way through to completion. And the best bit is, we won’t charge you a fee. That’s right, as the UK’s leading fee-free mortgage broker, we don’t charge customers a penny for our services. Absolutely nothing. And because we search across the market, we’re sure to find you a really great deal.
So how does it all work?
- First off, we’ll need to get some information from you. You can do it online using our advanced online mortgage finder, or, in just 15-20 minutes, over the phone.
- Next, we’ll scour the market to find the best deal for you, searching thousands of mortgages across reputable lenders, both big and small.
- Then finally, when you’re ready, we’ll finish off the form filling, another 15-20 minutes either on the phone or online, and submit your application form for you.
It’s really that simple.
You’ll be able to track your application online 24/7 or over the phone 7 days a week. And we’ll even appoint a dedicated case manager to you, who you can call with any questions.
But how can we offer all this for free?
Well that's quite simple too.
Like all other brokers, we receive a payment from the lender when the mortgage completes. The difference is that unlike others, we simply choose not to charge our customers a fee on top of this.
It’s an approach that has proved itself to work time and time again. In fact, we’ve won no less than 140 industry awards for our service since 2002.
In a nutshell, L&C saves you time. We save you hassle. And we save you money. We also commit to finding the very best mortgage deal for you so that you’ll want to tell your friends and family about us.
All in all, we put the fun back into buying a home.
Our People
With offices in Bath, Newcastle-upon-Tyne and London, we’ve got the UK covered for mortgage advice. Our team of expert advisers are on hand 7 days a week to provide customers with tailored mortgage solutions that fit. We’re known for our fee-free mortgage advice and excellent service that guarantees customers a simple and cost-effective process. Service should be seamless so we make sure our 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, our expert advisors are there to work out what’s best for you. Dedicated case managers handle every aspect of the process, from form filling to chasing things up. This dedication is paying off and has helped us win over 150 awards since 2002.
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Doing a good job is important to us, so we’re always delighted to receive positive feedback from our customers.
Here's what some of them have been saying about us recently.
“Went well beyond what I would expect speaking to underwriters and applying excellent administration to the whole process.”
Mr S, Chichester Learn more
“The speed at which our adviser was able to get our mortgage in principal to us was impressive, it meant we got our offer in first and ultimatley got our house thanks.”
Miss Z Y & Mr M W, London Learn moreThe directors at L&C are mortgage experts with over 100 years experience between them. They're also passionate about providing our customers first class service.
Here are some of our staff – they’re all committed to helping you secure your home or investment property.
We're always looking for talented and motivated people to join our team. Have you got what it takes? Are you hungry and ready for a challenge?
Take a look at the current range of opportunities to join us.
Some important information about our service
You can find out how we handle your data and read our privacy statement here. Our terms of business and our keyfacts also explain more about how we work and the service we offer, if you need any more information about this or would like a hard copy please let your mortgage adviser know.
At L&C, we fully support the introduction of the Modern Slavery Act 2015 (the Act) and the way it encourages businesses to tackle issues around modern slavery. You can view our policy in full here.
We believe in equal opportunities for men and women at L&C, and creating an inclusive environment where all employees can fulfil their potential. We support the requirement for businesses with over 250 employees to publish their gender pay gap data, and report on initiatives being undertaken to minimise the gap. You can read our report here.
After receiving fee-free mortgage advice or another financial product, 92% of L&C customers would recommend us based on 1299 Reviews.co.uk respondents - as of 11/09/18. Read our reviews
At L&C, we understand that with the volumes of mortgage and insurance products we arrange, things won’t always go as smoothly as we want every time. Continually improving the service we offer and reducing the number of complaints we receive is very important to us. We regularly review the information we have about your complaints, which helps us to understand how we can make improvements. More information
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