L&C Mortgages Reviews 

18,392
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Evaluating 1,843 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the knowledgeable staff for being exceptionally helpful, friendly, and extremely quick to answer any questions along the way. Consumers note that the overall journey of finding and securing a mortgage is remarkably smooth, stress-free, and handled with great professional efficiency. However, some customers also noted that communication could occasionally become slow and direct responses were sometimes delayed during busy periods. A few people felt that the guidance provided lacked consistency or proper transparency, making certain key stages of their application much more difficult than expected.

What people talk about most

Staff

Customers had positive experiences with staff, frequently describing advisors as professional, knowledgeable,... See more

Service

Consumers find service to be positive, highlighting efficient, friendly, and professional mortgage advice.... See more

Customer service

Clients share positive opinions on customer_service, highlighting helpful advisors who communicate clearly... See more

User experience

Customers consistently note positive experiences with user experience, finding the process seamless and... See more

Response time

Reviewers highlight positive aspects of response time, noting that customer support is generally helpful,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Absolutely fantastic service. Stephen was brilliant at answering any queries I had and kept in touch at every step of the way. I was even contacted when there was a better mortgage rate available and... See more

Rated 5 out of 5 stars

2nd time we have organised our mortgage through L&C, and once again they didn't disappoint. Finding the best deal to suit our needs, finding way to improve affordability and being proactive as rates... See more

Rated 5 out of 5 stars

L&C take away all the stress of finding and sorting a mortgage. They make contact when your current mortgage is running out so you can sit back and relax knowing you’ll hear from them when the time is... See more

Rated 5 out of 5 stars

From the first step of filling in a mortgage calculator online getting a distinction in principal straight away to getting my mortgage application accepted took less than two weeks. Stephen Brownle... See more


Company details

  1. Mortgage Broker

Written by the company

L&C is the UK's favourite mortgage partner. We're a fee free mortgage broker & adviser and our entire mortgage advice service is fee free with no hidden costs or surprises. Call & compare 1000s of rates from over 95 lenders. Open 7 days a week, including until 8pm Monday to Thursday.


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

18K reviews

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Asks customers to review

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Replied to 96% of negative reviews

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4.6

All reviews

(18,392)

1,826 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Ross

Ross, My contact to find a mortgage offer was very thorough. He provided all the information I needed and he went above and beyond he's role.

23 July 2026
Rated 5 out of 5 stars

L & C - Alia helped with mortgage

L & C helped with my previous mortgage and they got in touch to remind me that my fixed rate was due to expire. Alia was super helpful in making sure everything was in place to get the right deal that suited my circumstances at the best rate. She really took the time to understand my needs and was quick to pick up any anomalies and resolve them with mutual discussions. Really easy to contact them in various forms and professional and knowledgeable at every step.

30 July 2026
Unprompted review
Rated 5 out of 5 stars

Great service, company & people

Amy Moir was my advisor and she was incredibly helpful. She was quick, friendly and clear. As a first time buyer, this process has been daunting but Amy was great at explaining everything and never made me feel silly for asking questions. I would highly recommend L&C.

23 July 2026
Rated 4 out of 5 stars

I am a first time buyer

I am a first time buyer. L &C mortgages took the pressure off of me having to search and search and probably still end up with a mortgage that isn't the best I could get. They did that for me. They were times when staff went quiet and didn't reply to my emails but overall the staff were friendly, understanding and helpful.

19 July 2026
Rated 5 out of 5 stars

Great Service

I worked with Daleep while porting my mortgage as part of my move to a larger property. He presented me with several mortgage options, clearly explaining the advantages and disadvantages of each, which helped me decide on a Tracker Mortgage.

As the sale progressed, new and more competitive rates became available, and there were also changes to my mortgage requirements. Throughout the entire process, Daleep stayed in regular contact, keeping me informed, providing valuable guidance, and ensuring I understood my options. His proactive approach and ongoing support were instrumental in helping me secure the right mortgage.

I really appreciated his professionalism, responsiveness, and commitment to finding the best solution for my circumstances.

30 July 2026
Unprompted review
Rated 1 out of 5 stars

Terrible service

Terrible service. I had a very disappointing experience with L&C.

After providing all the requested information, I spent time discussing mortgage options with my adviser. We reviewed suitable products, discussed the fixed-rate term, and agreed that I would think about the options overnight and call back the following day. At no point during that conversation was I told there were any major issues with my application.

Throughout the process, communication was poor. Several of my emails went unanswered, and I often felt that there was little interest in exploring solutions or discussing alternative options for my circumstances.

A few hours after what had seemed like a positive conversation, just before the end of the working day, I received an email stating that L&C were closing my case, would not proceed with my application, and were "not at liberty" to explain how they reached that decision.

I'm not disappointed simply because they decided not to act for me, every firm has the right to decide which cases it takes on. What I found unacceptable was the lack of transparency and the abrupt change in position after what had been a constructive discussion only hours earlier. After spending time gathering documents and already incurring costs in my property purchase, I was left with unnecessary stress and uncertainty.

The overall experience left me with the impression that my case was being brought to a close rather than genuine efforts being made to find a workable solution. If there was a valid reason why my case could not proceed, I would have appreciated an honest and professional explanation instead of a generic email refusing to provide any further information.

I would genuinely recommend to avoid them!

29 July 2026
Unprompted review
L&C Mortgages logo

Reply from L&C Mortgages

Hi Masha. Thanks for taking the time to leave feedback. We're currently investigating and will be in touch. Best wishes, L&C

Rated 5 out of 5 stars

I have used Marcus at L&C Mortgages…

I have used Marcus at L&C Mortgages several times now. He has got me a great deal on two property mortgages and one remortgage. I have used him for several years and he always responds to emails quickly and always answers the phone. He is very experienced and knowledgeable. He always finds me the best deals and his advice is invaluable. He knows the market so well and is a great professional. I wouldn't go anywhere else.

I also want to mention Sophie, who works alongside Marcus – she has been just as helpful and responsive, and together they make a brilliant team. Highly recommend them both and L&C Mortgages!

5 June 2026
Unprompted review
Rated 5 out of 5 stars

First time buyer experience

First time buyer here, our advisor, Roy, was incredibly helpful throughout the process and always had time answer our questions and explain how everything works, through either call or email. Very proactive work on their behalf and very happy with the service overall.

29 July 2026
Unprompted review
Rated 4 out of 5 stars

Ismail was really knowledgeable!

Ismail was really knowledgeable and talked us through all of the products. Trying to remortgage when there's a war and a new prime minster, was not great timing but I felt confident in Ismail's ability to secure the best deal!

28 July 2026
Unprompted review
Rated 5 out of 5 stars

Helpful

Helpful, patient, kind, good sese of humour, like puppy's and long walks by the beach. I will never forget our time together
Thankyou Hassan Al Qbain

28 July 2026
Unprompted review

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