London and Country is one of the UK's biggest and most well-established Fee Free mortgage brokers, serving thousands of families with mortgage advice every year. Read our independent expert review to find out how they compare and what services they offer for parents and families.
London and Country Mortgage Review 2025
It can be tough for busy parents to find the right mortgage deals, and online mortgage brokers like L and C Mortgages have become very popular. A mortgage broker is a qualified expert who can help you through the entire process of applying for a mortgage.
L and C’s website promises a quick and easy process for mortgages, with the option to get started online or over the phone. They also don’t charge any broker fees, which can help you to save money when moving house or remortgaging your home.
It’s fair to wonder if L and C’s mortgage brokers can offer the level of service that you need if you can’t talk to them face to face. In this guide, our MPO mortgage experts look at how L and C Mortgages work and the pros and cons of using an online broker for your mortgage application.
60 Second Summary – Are L and C Mortgages a good choice for Parents?
It’s important to find the best rates for your mortgage, as this can save your family £100’s in repayments each year. There are thousands of mortgage deals for UK families, and a mortgage broker like L and C Mortgages can help you find the lowest interest rates.
- Most of the online reviews for L and C Mortgages are positive. Some reviews do mention that it can be hard to get in touch with your broker when you need to.
- L and C Mortgages can be a cheaper option for parents, as they don’t charge any mortgage broker fees for their advice and support.
- It’s usually easier to apply for a mortgage through any mortgage broker, as they will support you through the whole process.
- The right mortgage broker for your family will depend on your own situation. L and C Mortgages may not be the best choice for more complicated mortgage applications (e.g. if you have credit issues or are self-employed).
- L and C Mortgages is just one of thousands of mortgage brokers in the UK. If you’re having trouble choosing a mortgage broker, check out our ‘top tips for finding the right family mortgage broker’ section.
Who are London and Country?
L & C Mortgages (also known as London and Country Mortgages) is a fee-free online mortgage broker. They offer a telephone-based service for mortgage advice and applications. You can call L and C Mortgages directly or fill in an online form and a qualified mortgage broker will call you back.
The L and C website also provides a range of helpful guides that answer commonly asked questions about mortgages. These guides are written by qualified mortgage experts, and you don’t need to use one of L and C’s brokers to view these guides. They also published this advert which explains more about who L and C are and their main priorities as mortgage brokers.
London and Country Mortgages TV advert 2017
Television advert by London and Country mortgages from 2017 for the UK's leading Fee Free mortgage advice firm.
Is L&C a broker or mortgage lender?
L and C Mortgages are mortgage brokers, so they will speak to lenders for you to arrange your mortgage. They are not a mortgage lender, and they can’t offer their own mortgage products. L and C Mortgages will use the personal and financial information that you give them to check which lenders can offer the best rates for your mortgage.
Note: London and Country Mortgages is a fully regulated mortgage broker that has been authorised by the Financial Conduct Authority (FCA number 143002).
How do L and C mortgages work?
To get started, you will need to call the L and C mortgage team or fill in an online ‘Mortgage Finder’ form. This is a mortgage ‘fact find’, which gives your L and C Mortgage broker some basic information about the type of mortgage that you need. This includes simple questions like:
- Do you need a mortgage or remortgage?
- Will you live in the home or let it out (buy to let)?
- Have you had any credit issues in the last 2 years?
Your L and C Mortgage broker can check which deals are best for you by comparing mortgage rates and lenders across the market. They will be able to see all the rates that you could access if you applied to the lender yourself. They can also access special rates and deals that are only available if you apply using a mortgage broker.
Some mortgage lenders will only accept applications from brokers, so a mortgage broker can usually provide extra options for your mortgage or remortgage.
What happens next?
After your first call with L and C Mortgages, your broker will let you know which mortgage deals might work best for you. You should think carefully about your choices, and your broker will offer advice and answer any questions that you have.
After you have chosen a mortgage deal, you can upload any evidence that the lender needs (e.g. proof of income) to an online portal. This portal stores your information safely, and you can also track the progress of your application here.
Pros and cons of L and C Mortgage Brokers
Pros
- Mortgage rates and deals from over 90 mortgage top lenders.
- Fee-free mortgage advice, so you won’t need to pay any broker fees.
- Case handling services to help you to process your application.
- Trustpilot review score of 4.6 out of 5.0 stars (16,000 reviews).
Cons
- Larger business, so the service may not be as personalised.
- No option for face-to-face consultations (entirely online and telephone-based service).
- Online reviews say that it can be hard to contact your mortgage broker when you need to speak to them.
- Fewer specialist services for non-standard mortgages.
Is London and Country Mortgages an easier option for parents?
It is generally easier to apply for a mortgage through a broker like L and C Mortgages. Your broker will handle any issues that come up and will talk you through every step of your mortgage application. This can take some of the pressure away from busy parents, especially if you don’t have time to sort everything yourself.
L and C Mortgages are generally well-reviewed, but there are a lot of online reviews that mention issues with getting in touch with your broker. This is probably because L and C Mortgages is a big company, and your broker will be handling a lot of mortgage applications at the same time.
If it’s difficult to speak to your broker when you need to, this can cause more stress instead of making the process easier for you and your family. If this is something that you are worried about, a smaller, independent mortgage broker might work better for you.
Which mortgage lenders do L and C Mortgages work with?
L and C Mortgages work with more than 90 UK mortgage lenders, including popular lenders like Barclays and HSBC. They also work with smaller banks and building societies to offer a wider range of options for mortgage borrowers.
Is it easy to get an L and C mortgage in principle?
One of the first things you need when buying a new home is a mortgage in principle (MIP). Some mortgage lenders will refer to this as an agreement in principle (AIP) or a decision in principle (DIP). You fill in some basic information about yourself and your finances, and the lender can use this to estimate how much you might be able to borrow.
L and C’s website claims that you should get your mortgage in principle in around 1 – 2 days. It’s important to remember that it’s not L and C Mortgages providing your mortgage in principle, it is your chosen mortgage lender. The exact timings can depend on the lender you choose, and how long it takes for your broker to process your information.
Note: A decision in principle isn’t a guarantee of how much you can borrow and is only a guide to what the lender might offer. You will need to complete a full mortgage application including affordability checks before the lender decides how much you can borrow.
Can I get better mortgage rates from L and C Mortgages?
The main benefit of using a broker like L and C is that you can access a wider range of mortgage rates. However, L and C Mortgage rates aren’t necessarily lower than the rates that you could get through another mortgage broker. Most brokers will work with a panel of lenders, so any broker can help you with comparing multiple mortgage deals.
You might be able to save money by applying to lenders that only work with mortgage brokers. This will depend on the rates that they are offering, and you might find that a standard lender will offer you the best rates.
How much do L and C charge for broker fees?
One of the biggest selling points for L and C Mortgages is that they don’t charge any fees for their services. Like most brokers, they will make money by receiving a commission every time a mortgage is completed. Most brokers also charge a fee on top of this, but L and C Mortgages has chosen not to.
You won’t have to pay any L and C mortgage broker fees, but you will still need to pay any mortgage fees that are charged by your lender (e.g. valuation fees).
Is it worth using a fee-free mortgage broker?
When you pay a mortgage broker fee, you are paying for the support, knowledge, and expertise of your mortgage broker. If you haven’t paid for a personal service, you might find that you don’t get the level of support or advice that you need. Extra advice is very useful for first-time buyers who have never gone through the mortgage application process before.
Fee-free brokers like L and C Mortgages tend to work best for standard mortgage or remortgage applications. You may struggle if there is anything about your mortgage that would make the application more complicated (e.g. poor credit history).
Parents will have extra things to think about when applying for mortgages, and you want to make sure that you choose a mortgage that is affordable for your family. You might need to factor in extra costs for mortgage affordability like school or nursery fees. It’s important to find a mortgage broker that understands this and can provide the right advice.
Are L and C mortgages good for families?
Choosing the right mortgage broker can make it much simpler for your family when you need a new mortgage or remortgage. It might be helpful to look at online reviews for L and C Mortgages, as this can give you an idea of any common issues to watch out for.
Most parents will look at websites like Trustpilot before making a big financial commitment such as a mortgage. L&C Mortgages are currently rated 4.6 Stars out of 5.0 Stars on Trustpilot, with over 14,000 reviews. Over 80% of these reviews rated L and C Mortgages as 5.0 out of 5.0 Stars.
Like most companies, there are a few negative reviews on Trustpilot. L and C’s 1.0 Star reviews highlight issues like:
- L and C aren’t as helpful with ‘non-standard’ mortgage applications.
- There can be problems with communication and being called on time.
- Difficulty with booking appointments at a convenient time.
Only 7% of reviewers had a negative experience with L and C Mortgages, and most of the online reviews are positive.
Should I read L and C mortgage reviews on Mumsnet?
Mumsnet is another great place to look for online reviews, especially if you want to see what other parents think about a product or service.
A few threads on Mumsnet mention L and C Mortgages, with mums asking for opinions from parents who have used an L and C mortgage broker. The replies were mixed, with some parents recommending L and C and others saying that they had a bad experience.
Most of the reviews were positive, but some of the positive comments still mentioned things like having issues with the solicitors that L and C recommended.
What are the other options if I don’t want to use L and C Mortgages?
Many parents use a mortgage broker to help them find a good mortgage offer when buying a property. L and C Mortgages aren’t the only mortgage brokers in the UK, and you can search online to find other options.
You could choose another online broker, or a local broker if you would prefer a more personal approach. A good idea is to ask friends or family members if they know any mortgage brokers that they would recommend.
Our top tips to finding the right family mortgage broker:
- Check online reviews to see which brokers have the best reputation.
- Ask for recommendations from trusted friends or family members.
- Make sure that the broker works with a wide panel of mortgage lenders.
You can find more tips about how to find the best mortgage broker for your family in our Family Mortgage Guide for Parents. If you need advice about your mortgage or remortgage, you can contact our friendly mortgage experts on 0800 009 6559 or CLICK HERE.
