L&C Mortgages Review: Honest Look at Their Free Advice

If you’re in the market for a mortgage, you’ve probably heard of L&C Mortgages. 

They claim to be fee-free, boast a wide lender network, and are one of the UK’s largest mortgage brokers. 

But does bigger always mean better? 

In this review, we’ll dive deep into what makes L&C Mortgages tick, what sets them apart, and whether they might be the right choice for you. 

Let’s take a look!

What is L&C Mortgages?

L&C Mortgages, also known as London & Country Mortgages, is a mortgage broker founded in 1987. 

They’re based in Bath, with offices in London and Newcastle. 

Best of all, they offer free mortgage advice.

They work with over 90 lenders to help you find the right mortgage deal. Whether you’re buying your first home, remortgaging, investing in a buy-to-let, or simply moving house, they’ve got you covered.

What makes L&C stand out is their focus on keeping things simple. They aim to take the stress out of the mortgage process while giving you honest and clear advice.

If you’re a first-time buyer feeling unsure or an experienced homeowner wanting a smooth remortgage, L&C will guide you every step of the way. 

And the best part? Their service won’t cost you a penny.

How Do L&C Mortgages Work?

Getting started with L&C Mortgages is pretty straightforward. 

You can either give them a call or start your journey online by filling in some initial details. 

From there, one of their mortgage advisers will get in touch to discuss your specific needs and financial situation in more detail. 

While they have an online portal, much of their service relies on phone conversations, meaning it’s not as “digital” as some of their modern competitors.

Once you’ve provided the necessary information, L&C will assign a dedicated mortgage adviser to find you a deal that suits your needs. 

The adviser will search the whole market (including their network of 90+ lenders) to find the best deal. 

However, when it comes to completing the application, a separate case manager will take over to help with the paperwork. 

This hand-off can sometimes lead to a bit of inconsistency in service, depending on who you’re assigned.

Do L&C Charge a Fee?

Nope! L&C Mortgages is completely fee-free for customers. Unlike many traditional brokers, L&C doesn’t charge a hefty fee for their services. 

Instead, they earn their money through commission paid by the lender when your mortgage completes. 

So, you get all their expertise without having to worry about upfront costs or hidden charges.

How Does L&C Mortgages Make Its Money?

L&C earns money through commission from lenders. When your mortgage deal goes through, the lender pays L&C a fee for bringing them your business.

They also offer extra services, like conveyancing and life insurance. If you choose these, L&C gets additional commissions. 

But don’t worry—you’re not required to use these services. It’s entirely up to you.

What Makes L&C Different?

L&C Mortgages stands out because they don’t charge you any fees for their service. They work with over 90 lenders, giving you plenty of options, though they’re not a whole-of-market broker. 

This means they don’t cover every single deal out there but still offer a wide range of choices.

Unlike some brokers who focus on just a few lenders, L&C gives you access to more options—and without any cost to you, which could save you a lot of money.

That said, L&C mainly relies on phone-based communication. 

They don’t have an app or live chat, which might feel a bit old-fashioned compared to brokers with fully digital services. 

If you prefer talking things over the phone, this approach might suit you. But if you’d rather manage everything online, you might find it less convenient.

What’s the Customer Experience Like?

L&C’s customer experience gets mixed reviews. On Trustpilot, they have a solid rating of 4.6 out of 5 from over 14,000 customers. 

Many people praise their fee-free service and helpful advisors.

But, the service you get can depend on the adviser or case manager assigned to you. Some customers have reported delays and inconsistent communication, which can be frustrating.

Since L&C works mainly through a call centre, there’s no face-to-face support or live chat for quick help. 

This can make updates and problem-solving feel slower compared to brokers with more modern, digital systems.

How Does L&C Mortgages Compare to Other Brokers?

When compared to other brokers, L&C Mortgages shines in its fee-free offering and extensive lender network. 

But, newer players like Habito, Mojo Mortgages, and Better.co.uk have set the bar high in terms of user experience. 

These competitors let you handle everything online—use an app, chat with advisers instantly, and even sort out conveyancing in one place.

While L&C has decades of experience and a great reputation, their lack of digital tools can feel outdated.

Brokers like Habito, for instance, not only helps you get a mortgage but also offers additional services to make the entire home-buying process seamless, which saves you time and stress.

Who Should Use L&C Mortgages?

L&C is a good option if you like working with an experienced broker and prefer chatting to an adviser over the phone rather than handling everything online. 

Plus, they’re fee-free, so you get expert advice without paying extra.

Here’s who might find L&C a great fit:

• First-time buyers who want clear, step-by-step help.
• Homeowners remortgaging who don’t want to pay broker fees.
• Buy-to-let investors who need access to a range of lenders.
• Anyone who prefers phone conversations over online tools.
• Those who like a traditional, personal approach with real people.
• Customers looking to save money with a fee-free service.
• Homebuyers who feel more confident using a broker with years of experience.

If you like a human touch and don’t mind phone calls, L&C could work well for you. But if you’d rather do it all online, a digital broker might be more your style.

The Pros and Cons Of Using L&C Mortgages

Like any mortgage broker, L&C Mortgages has its advantages and drawbacks. Let’s take a look at what you can expect.

Pros

• Free advice—you don’t pay a thing.
• Access to over 90 lenders for a wide range of options.
• Expert, personalised advice over the phone.
• Over 20 years of experience in the mortgage industry.
• Regulated by the FCA, so you’re in safe hands.

Cons

• Not a whole-of-market broker—some deals might be missed.
• No app or live chat, which can feel outdated.
• Quality of service depends on the adviser or case manager.
• Slow responses and delays reported by some customers.
• Limited services—no extras like conveyancing or surveys.

The Bottom Line: Is L&C Worth It?

L&C Mortgages has been in the game for decades. Their fee-free service is a big draw for first-time buyers, remortgagers, and buy-to-let investors. 

They’ve got a wide network of lenders and a personal touch with their phone-based advice—great if you like a more traditional, one-on-one approach.

But let’s be honest, not everyone’s a fan of chatting on the phone. 

If you’re the type who prefers the speed and simplicity of sorting everything online, you might find digital-first brokers like Habito a better fit.

Our Take: L&C Mortgages earns 3 stars (★★★☆☆). 

It’s a good choice if you want expert advice for free and don’t mind the more traditional approach of picking up the phone. 

But if you’d rather sort things quickly and easily online, it’s worth checking out other options.

If you reckon L&C sounds like your kind of broker, head over to their website and see how they can help.