...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?

  1. First off, we’ll need just 15-20 minutes of your time on the phone to run through a few questions.
  2. Next, we’ll scour the market to find the best deal for you, searching thousands of mortgages across reputable lenders, both big and small.
  3. 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 other mortgage brokers, 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 mortgage 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.

Our mortgage advisers provide straight-talking mortgage advice – whether you’re a first-time buyer, remortgaging, buying to let, or simply buying a new home, they’re 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.

We are award winning
Our dedication to providing our customers with a first class mortgage service has helped us win over 150 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.
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Word of mouth

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.


“I am so glad I called L&C, a service that is free of charge and hassle free. I'm telling everyone about the good that you do in the world! ”

Miss B, Walsall Learn more

“Went well beyond what I would expect speaking to underwriters and applying excellent administration to the whole process.”

Mr S, Chichester Learn more

“Swift mortgage offer received to secure our new property that was repossession. ”

Mr and Mrs W, Wrexham Learn more
Our leadership

The 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.

Mike Edge
Phillip Cartwright
Managing Director
David Loftus
Finance Director
Patrick Bunton
Operations and Compliance Director
Mike Aldridge
Innovation Director
Mike Cook
Business Support Director
Steve Merry
Commercial Director
Jane Harrison
Marketing Director
Geoff Spours
Sales Director
Our staff

Here are some of our staff – they’re all committed to helping you secure your home or investment property.

Join the team

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.

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advisers now
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Open 7 days a week until 8pm weekdays