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!

I found L&C mortgages through an internet search when I needed a mortgage offer quickly due to being let down by another broker. I had a complex financial situation and I needed a broker who could understand my situation. My broker was able to sort me a mortgage at a competitive rate within 24 hours which was such a relief, especially as a solo, first-time buyer. Also, the monthly payments were lower than I was able to find previously which has given me the freedom to make upgrades on my home much more quickly. I am so thankful to L&C mortgages for the service they provide and the impact it has had on my financial situation. I will definitely return when it is time to remortgage!

Mortgages are like IKEA wardrobes: essential, but baffling. That was how I felt — until I met L&C. I first heard about them through friends in full-blown “property hell”: cladding issues, jobs on the line, a baby on the way. L&C swooped in and impressed me so much that when I faced my own mortgage challenge, I knew exactly who to call. My issue was staircasing. Other brokers seemed more focused on their cut than my future, but L&C made the whole process painless. Best of all, they saved me real money. Enough that I could finally booked a trip to New Zealand. Flat whites in Wellington taste even better when you know you dodged a bad mortgage deal! L&C didn’t just find me a mortgage, they bought me peace of mind (& a ticket to New Zealand).

I was recommended L&C by my daughter, who had been very satisfied with the process. I was a recently widowed woman of a certain age who had never had to manage a mortgage alone and needed a company I could trust. Your team walked me through every step with expertise and patience, taking into account my situation. Whilst the process was daunting for me, when my mortgage was finally in place on my first home without my husband, I felt that L&C had navigated me to a secure future I could afford. My subsequent re-mortgage, using L&C, went as smoothly as the first, giving me peace of mind.

L&C was recommended, and we used them to get our first mortgage. I had no idea what a broker even did, but I’m so glad we used one. It saved us so much time and helped us to find a mortgage that suited our needs. They helped with so many extra details that I never would have thought of. We moved into our first home by the seaside which completely changed our lives! Owning a home has taught me so many skills and it’s also helped us to save money, so we now have a pretty good bit of cash saved. After our first home, we moved 2 more times and used L&C to support each application. They have always been incredible help. Can’t recommend enough.

After my divorce, my biggest fear was whether I could buy a home on my own while raising two children. I worried constantly about affordability, whether I’d even qualify for a mortgage, and how I could cope with the legal side of everything. The team stepped in and changed everything for me. They patiently explained the monthly payments in a way I could understand, arranged life insurance to give me security, and took care of all the legal details so I didn’t feel alone. Their professionalism and kindness gave me the reassurance I desperately needed. What once felt impossible suddenly felt achievable, and I was able to look forward with hope. Thanks to their support, my children and I now have the safe, happy home we dreamed of.

We were due to remortgage and had only ever heard good things about L&C. Our advisor was fantastic, so patient and really understood our situation. Everything was finalising while I was in labour with our second child. I even missed calls from the lender’s surveyor in the delivery room. Despite the chaos, our baby arrived safely and the remortgage was completed without stress, thanks to L&C. The funds we released meant we could transform our garden into a safe space for the children, all without adding a big monthly cost. Thanks L&C!

As a first time buyer I felt so uneducated about the whole thing when it came to mortgages, but the team at L&C genuinely put me so much at ease that I’d do the whole process again in a heartbeat! They were the loveliest bunch, and really sat down with me to talk about my mortgage needs… and coming as a 24 year old wanting to escape the shackles of renting - I can’t tell you how much that left me with a pep in my step when the whole thing finally got approved! Moving to my new pad genuinely was the best decision ever… and my friends tell me this too: I really have blossomed, and that’s in no small part because of the team at L&C. When I have to inevitably do this thing all over again - there is no doubt in the world where I’m going!