When I arranged my first mortgage, I paid for advice and it was dreadful – poor guidance, missing information and endless stress. So when it came time to remortgage, I almost went with another paid adviser, until I was recommended L&C. From my first call, I knew I’d struck gold. My adviser was warm, bubbly and genuinely listened, showing me options from the cheapest deal to one that let me borrow more – and all for free. That mortgage gave me security, space to plan and the confidence to move forward. When renewal came around again, I didn’t hesitate. Syed handled everything brilliantly, finalising my application in under a week. L&C have turned something daunting into something empowering – I wouldn’t go anywhere else!

I was lucky to have my mortgage serviced first by L&C in 2022 and this went smoothly with no issues. In 2024, I needed a remortgage and they really helped me in a very professional and friendly way to complete that. In the same time, my bank offered me a remortgage offer and they were very unprofessional and not helpful at all with a really struggling to deal with them unlike the professional and amazing team of L&C who was very supportive and keen to help through the whole process.

We turned to L&C while expecting our third child, hoping to move into our first home before the baby arrived. David Holmes was incredible, he understood our tight deadline and worked tirelessly, coordinating closely with our solicitor, Josie Cheetham, to speed everything up. Thanks to their dedication, we moved in just two weeks before our baby was born. Our mortgage didn’t just secure a house; it gave us stability and the perfect start as a family of five. We’ll definitely return to L&C for our next move.

Upon returning to UK from living in France, we were fortunate to find L&C Mortgages online. Being in our 60s we were uncertain we could still obtain a mortgage however, L&C not only found an excellent mortgage, they found options and choices for us to consider. We found a lovely house on the Isle of Wight and moved in last year. From the money we saved we not only achieved home ownership but had money to improve the property. We are now well settled and love our new home. We will return to L&C when it’s time to remortgage as we are confident they will provide us the best service again.

My partner did some research for remortgaging our help to buy home as the 5 year interest free period was coming to an end. We were a little skeptical because we’d previously paid £300-500 for a mortgage advisor, and family members warned us that a big firm like L&C won’t keep us informed or even know our names, but we were so pleasantly surprised! Christian was fantastic and kept to every appointment, he was so informative and friendly. Then we were assigned Owen for our case manager and he was also really good at checking in and keeping us updated on progresses. Everyone was always reachable by phone and would always call back. They did so many rate checks to ensure we got the best deal, truly no hidden fees and I will definitely use L&C again!

When I set out to buy my first home, I chose L&C for their clear advice and great rates. What made it especially meaningful was being able to use money left by my dad, who passed away years ago, as my deposit. It felt like he was helping me take this life-changing step. Getting onto the property ladder gave me stability, independence, and the confidence to start my own private therapy practice in the town — something I had always dreamed of but never felt possible before. My home is more than just a house; it’s the foundation for my future, built on both my hard work and my dad’s legacy. I’ll always return to L&C, not just for the rates but for the trust and reassurance they gave me.

Well it’s never too old to take on a mortgage! Approaching 70 my hubbie and I decided to downsize from our 5 bed family home in 2023. We sold and moved out in June, a month after our daughter’s wedding and a week after helping our son move into his first home. But we don’t do things by halves, we hadn’t found a new home so we moved into our touring caravan for what we thought would be a few months! 14 months later we finally found our dream cottage and we looked into obtaining an interest only mortgage to help with the renovations. I found L&C through an internet search for retirement mortgages. From the first contact to release of the funds it was so simple. We’ve just finished the project with our 10 year interest only mortgage, and couldn't be happier!

A friend recommended L&C when I was exploring mortgage options. Their advice was so helpful that I returned when I was ready to buy my first home solo. I wanted to stay near family and transport links, which meant compromises, but the right mortgage made it possible. COVID helped me save more, boosting my deposit and lowering my rate. Buying alone in my late thirties was a huge milestone and gave me real independence. I stayed in the area I love, close to family. When it was time to remortgage, I went back to L&C—they made it simple and found me a great deal.