| 2023/24 | 2024/25 | |||
|---|---|---|---|---|
| Mean | Median | Mean | Median | |
| Pay gap | 21.1% | 13.7% | 21.9% | 20.2% |
| Bonus gap | 64.3% | 75.9% | 62.8% | 79.2% |
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FAQ answer
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Number of complaints opened by volume of
Product/service group
Provision (at reporting period end date)
Intermediation (within the reporting period)
Number of complaints opened
Number of complaints closed
% closed within 3 days
% closed > 3 days but < 8 weeks
% upheld
Main cause of complaints
Banking & credit cards
Home finance
Insurance and pure protection
Decumulation and pensions
Investments
Credit related
Claims management
Funeral plans
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
16.32
4.51
n/a
n/a
n/a
n/a
n/a
n/a
597
47
n/a
n/a
n/a
n/a
n/a
n/a
605
46
n/a
n/a
n/a
n/a
n/a
n/a
18%
13%
n/a
n/a
n/a
n/a
n/a
n/a
82%
85%
n/a
n/a
n/a
n/a
n/a
n/a
64%
59%
n/a
n/a
n/a
n/a
n/a
n/a
General admin/customer service
Errors/not following instructions
n/a
n/a
n/a
n/a
n/a
Number of complaints opened by volume of
Product/service group
Provision (at reporting period end date)
Intermediation (within the reporting period)
Number of complaints opened
Number of complaints closed
% closed within 3 days
% closed > 3 days but < 8 weeks
% upheld
Main cause of complaints
Banking & credit cards
Home finance
Insurance and pure protection
Decumulation and pensions
Investments
Credit related
Claims management
Funeral plans
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
585
48
n/a
n/a
n/a
n/a
n/a
n/a
574
46
n/a
n/a
n/a
n/a
n/a
n/a
24%
15%
n/a
n/a
n/a
n/a
n/a
n/a
76%
85%
n/a
n/a
n/a
n/a
n/a
n/a
69%
52%
n/a
n/a
n/a
n/a
n/a
n/a
General admin/customer service
Errors/not following instructions
n/a
n/a
n/a
n/a
n/a
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Not sure how much you could borrow for a mortgage, or how much your monthly mortgage repayments are going to be?
Find out what your mortgage is going to cost each month with our mortgage repayment calculator.
Get an idea of the current value of your house when you use our house price estimate calculator.
The L&C remortgage calculator will help you see what you could save by switching to a new deal.
Find out what your loan to value (LTV) percentage will be with our LTV calculator.
Thinking of buying a rental property? Find out what you can borrow with our Buy to Let mortgage calculator.
Find out how much rent you could get for your property with our rental yield calculator.
Find out how much you’ll need to put aside for stamp duty with our stamp duty calculator.
Use our savings calculator to calculate how long you need to save to hit your target.
Find out how much interest you’re likely to earn on your savings with our savings interest calculator.
Find out how much over you need with our life insurance calculator.
Use our handy BMI calculator to work out your body mass index.
Use our mortgage overpayment calculator to calculate how much you can save when you pay extra on your mortgage.
Work out if an offset mortgage could be of benefit to you with our offset mortgage calculator.
Outstanding Contribution to DEI
Outstanding Initiative of Support
Diversity, Equity and Inclusion Champion of the Year
Overall Broker of the Year
Broker Firm of the Year (51+ advisers)
Rising Star (Broker or Distributor) -Ellen May
High Net Worth Broker of the Year
Broker Firm of the Year (51+ advisers)
Best Mortgage & Protection Intermediary –Highly Commended
Doing it Better Award
Best Mortgage Broker (40 advisers and over)
DE&I in marketing - highly commended
DE&I Equality Employer of the Year
Equity, Diversity & Inclusion: Best Employee Support
Trailblazer of the Year
Diversity Hero
Business Ally
Best Inclusive Culture
Best Broker: Administrator
Best Broker: Large Loan
Best Broker: Rising Star
DEI Champion - Highly Commended
Rising Star
Outstanding Initiative of Support
Mortgage Broker of the Year (50+ employees)
Consumer Duty (Customer Outcomes/Data Precision)
Overall Broker of the Year
Best Mortgage Broker (more than 50 advisers)
Best Mortgage Broker (40 advisers and over)
Best Broker Website
The UK’s main measure of inflation, the Consumer Prices Index (CPI), rose to 3.3% in the year to March, according to the Office for National Statistics, up from 3% in February.
Lenders must proactively contact around 1.6 million mortgage customers whose fixed rate deals are expiring in 2026, setting out their options and explaining any support that might be available.
Inflation held steady at 3% in the 12 months to February, providing a brief sense of stability in an otherwise volatile economic environment.
Accord
Aldermore
Allied Irish
Atom Bank
Bank of Ireland
Barclays
Bath BS
Beverley
BM Solutions
Buckinghamshire
Cambridge
Chelsea
Chorley BS
Clydesdale
Co-op
Coventry
Cumberland
Darlington
Dudley
Earl Shilton
Ecology BS
Family BS
First Direct
Furness
Generation H
Halifax
Handlesbanken
Hanley Economic
Harpenden
Hinckley & Rugby
Hodge Lifetime
HSBC
Kent Reliance
Leeds
Leek United
Lloyds Bank
Loughborough BS
Mansfield
Market Harborough
Marsden
Melton Mowbray
Metro Bank
Monmouthshire
Mpowered
Nationwide
NatWest
Newbury
Newcastle
Nottingham
Paragon
Penrith
Principality
Saffron BS
Santander
Scottish BS
Scottish Widows
Skipton
Stafford Railway
Suffolk BS
Swansea
Teachers BS
The Mortgage Lender
The Mortgage Works
Tipton & Coseley
TSB
Vernon BS
Virgin Money
West Brom BS
Yorkshire BS
6.99
8.58
6.85
6.99
7.19
7.74
7.39
7.49
8.34
8.09
7.54
6.99
8.14
6.99
6.87
6.74
7.24
7.64
8.09
7.64
6.04
7.69
6.49
8.09
6.75
7.49
6.99
7.84
7.64
6.89
7.6
6.49
5.68
7.74
7.34
7.49
7.89
8.29
7.39
8.39
8.14
7.5
7.99
5.74
6.74
6.99
6.15
6.5
6.35
8.6
7.49
6.8
7.99
6.75
7.74
7.49
6.54
5.35
7.74
6.8
8.24
7
7.99
7.84
7.49
7.6
6.99
6.39
6.99
0.25
0.2
0.2
-
0.25
-
0.15
0.15
0.25
0.15
0.15
0.25
-
0.25
0.25
0.2
0.2
-
-
0.2
-
0.15
0.25
0.1
-
0.25
0.25
0.1
-
-
0.25
0.25
-
-
-
0.25
0.05
0.25
0.15
0.15
0.1
0.25
-
-
0.25
0.25
0.15
0.19
-
-
-
-
-
0.25
-
0.25
0.25
0.25
0.25
0.2
-
-
0.25
0.15
0.25
-
0.25
0.15
0.25
6.74
8.38
6.6
-
6.94
-
7.24
7.34
8.09
7.94
7.39
6.74
-
6.74
6.62
6.54
7.04
-
-
7.44
-
7.54
6.24
7.99
-
7.24
6.74
7.74
-
-
7.35
6.24
-
-
-
7.24
7.89
8.04
7.24
8.24
8.04
7.25
-
-
6.49
6.74
6
6.31
-
-
-
-
-
6.5
-
7.24
6.29
5.1
7.49
6.6
-
-
7.74
7.69
7.24
-
6.74
6.24
6.74
We’re delighted to announce the expansion of our dedicated New Build Team, and are as such currently looking for dynamic Qualified Mortgage and Protection Advisers, ambitious and hungry for leads, to come on board with delivering the best service to our vital partnered clients. With a start date of the 3rd August, there’s no New Build experience necessary, as we’ll give you all the knowledge you need to go forth and excel and build a fruitful career. If you’re feeling ready for a change and think this could be the role for you, don’t hesitate to apply and get in touch today!
This is a fabulous chance to join a growing, fast-moving mortgage brokerage where data, creativity and customer experience go hand in hand. We’re looking for a commercially driven CRO Manager to lead optimisation across the full digital journey, from first click to ongoing customer retention. If you thrive on testing, insight-led decision making and delivering measurable impact within a dynamic, regulated environment, this is an exciting opportunity to shape the future of our digital performance strategy, and we’d love to hear from you!
Join L&C Mortgages and turn your expertise into impact. As the UK’s leading fee-free mortgage and protection broker, we’re offering Experienced Protection Advisers the chance to build a rewarding remote career with real momentum behind it. With a steady flow of high-quality leads, clear uncapped earning potential, and a business that’s growing fast, you’ll have everything you need to deliver meaningful advice, protect what matters most to clients, and take your career to the next level. Want to find out more? Get in touch today.
This is an exciting opportunity for any savvy salesperson eager to jump into financial services with our Trainee Protection Adviser role as we expand our brilliant team in Newcastle. From training and beyond, we’ll teach you everything you need to know from scratch, allowing you to flourish and develop a fruitful career. For every mortgage, there’s protection involved, so a vital role here at L&C. Our Protection Advisers help our customers secure themselves and their families, ultimately protecting them financially if things unfortunately go wrong. We’re looking for keen, organised sales savants with passionate people skills, able to build rapport and support our clients in obtaining the best products and policies matching their circumstances. If you think this could be the role for you, please do get in touch and find out more!
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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 220 awards since 1999, 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.

Best Mortgage Broker
(40 advisers and over) 2025

Consumer Duty (Customer Outcomes/Data Precision) 2025
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Best Mortgage Broker
(40 advisers and over) 2025

Outstanding customer service outcome (51+ employees) 2022

Best Training Initiative Award 2023

Best Protection Support Group 2024
Rates updated on <date>
Practical gadgets to help keep things simple
*Subject to change and elegibility
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Start your mortgage journey online and let your L&C mortgage adviser search 1000s of deals to find you the best fixed rate.
We'll check your mortgage affordability with 45 lenders
Fill out our quick, simple online form to get started
Get your mortgage in principle in minutes
Our Mortgage Finder will show you how much you can borrow for a mortgage and what your monthly mortgage repayments might be. Then our Mortgage Finder’s unique mortgage affordability calculator will check over 45 lenders’ results and generate your mortgage in principle.
A mortgage in principle is a certificate indicating how much a lender is theoretically willing to lend you. It’s not a guarantee of a mortgage approval but it’s the initial step in the mortgage process.
This certificate is an indicator that if you pass a lender’s mortgage affordability checks, you might be able to buy a property up to the stated value. You’ll also be able to see what your monthly repayments could hypothetically cost.
• Get our deal of the week sent straight to your inbox
• Find out what's happening with the mortgage market
• Be the first to know about changes to interest rates

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If you complete on a mortgage through L&C, L&C will be paid a commission by the chosen lender. L&C will share a percentage of this commission with the referring third party. The commission L&C receives doesn't affect the product or rate recommended to you.
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Your mortgage, perfectly timed
Timely reminders for your mortgage deal end date
Stay informed with mortgage market insights
Fee free mortgage advice at the perfect time





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The UK’s main measure of inflation, the Consumer Prices Index (CPI), rose to 3.3% in the year to March, according to the Office for National Statistics, up from 3% in February.

Lenders must proactively contact around 1.6 million mortgage customers whose fixed rate deals are expiring in 2026, setting out their options and explaining any support that might be available.

Inflation held steady at 3% in the 12 months to February, providing a brief sense of stability in an otherwise volatile economic environment.
Sign up to our Mortgage MinderTM and we'll
let you know when it's time to renew.
Your mortgage, perfectly timed
Timely reminders for your mortgage deal end date
Stay informed with mortgage market insights
Fee free mortgage advice at the perfect time





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View the range of mortgage types and find the right option for you.
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