About us

About L&C Mortgages

At L&C, our customers are always at the heart of what we do.  Established since 1999, we remain proudly fee free.

We make sure that our customers are provided with clear information and are kept informed throughout the process.

Our advisers search across the market to find the best mortgage deal for our customers’ unique situations, sifting through thousands of potential deals.

Expert. Honest. Free.

Who are we?

L&C Mortgages - Voted the UK's best mortgage broker.

Founded in 1999 as a fee free telephone based mortgage broker - free to call and free to use our advice and service. We moved into our office in Bath and launched our first website in 2001. Winning our first award for best mortgage broker in 2002, we’ve gone from strength to strength, with a further office in Newcastle Upon Tyne, and over 2 million people coming to us for advice on the best mortgage for them.

Today we have received over 160 awards and offer both online and telephone support. And we remain proudly fee free.

Our people

At L&C we work as one team to ensure customers receive the very best experience.

We value our diversity and actively support inclusion through our We Belong initiative.

Find out more about our leadership team and colleagues by taking a look at our people.

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Our chosen charity

We’re proud to support our company charity, Winston’s Wish, the UK's leading childhood bereavement charity. Every year Winston’s Wish need to raise over £2.4 million to provide practical help and support to children suffering the loss of a parent or sibling.

For every life policy we arrange we donate £1 to Winston’s Wish, and we’ve pledged to bring the total we've donated to at least £100,000 by the end of 2024. For more information visit the Winston's Wish website.

Leading the way...fee free.

What we do

All the hard work for you!
Our aim is to make applying for a mortgage a simple and hassle-free experience for our customers – whether you’re buying your first home, moving house, remortgaging or investing in a Buy to Let property.

Step 1

Check eligibility

Get started by completing our online Mortgage Finder and get an appointment to speak to a mortgage adviser on the phone.

Step 2

Find your best deal

Your adviser will search across the market to find the best mortgage deal for your circumstances.

Step 3

Apply online or by phone

Fill in the blanks and apply online or we’ll help you over the phone and get your application started.

Step 4

Track and progress

Track your application online 24/7 and easily message your case manager, who'll chase your application & update regularly.

Fee free since 1999

In a nutshell

We’re here for you from application all the way through to completion, and the best bit is we won't charge you a fee for our advice and support. We'll search across the market with access to 1000s of deals from over 90 lenders, so we'll be sure to find the right deal for you.

Wondering how our service is fee free? Like all other brokers, we receive a payment from the lender when the mortgage completes. The difference is that we simply choose not to charge our customers a fee on top of this.

How can we help you?

The UK’s award-winning fee free mortgage and insurance experts - by your side when it comes to buying and remortgaging.

First time buyer

Step onto the property ladder with our expert help

Learn more

Buying a home

Secure your dream home with stress-free mortgage advice

Learn more

Remortgage your home

Switch your mortgage to suit your changing needs

Learn more

Buy to Let

Start out in the rental market or expand your portfolio

Learn more
The best things in life are free

L&C is an award-winning mortgage broker

We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice. Our dedication to providing our customers with a first class mortgage service has helped us win over 160 awards since 2002, more than any other mortgage broker. In fact we’ve won the most prestigious awards in our industry on numerous occasions. You can see them all in our awards gallery.

What Mortgage
Awards

Best mortgage broker 2025

Legal & General Business Quality Awards

Outstanding customer service outcome (51+ employees) 2022

The Personal Finance
Awards

Best mortgage broker (40 advisors and over) 2023

Word of mouth

Doing a good job is important to us, so we’re always delighted to receive positive feedback from our customers.

Read all reviews
Trustpilot
Fee free since 1999

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, 93% of L&C customers would recommend us based on 1463 Reviews.co.uk respondents. 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.