L&C Mortgages Reviews 

18,394
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

Typically replies within 24 hours

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4.6

All reviews

(18,394)

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 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!

July 28, 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

July 28, 2026
Unprompted review
Rated 5 out of 5 stars

Efficient

Quick, efficient, portal works well… 2nd time I have used them…definitely recommend

July 26, 2026
Rated 3 out of 5 stars

I was really impressed with our adviser…

I was really impressed with our adviser and the support they gave me, and it would have been a solid 5*, except for the fact that the solicitors their company suggested I used are so bad.

May 25, 2026
Unprompted review
L&C Mortgages logo

Reply from L&C Mortgages

Hello, thanks so much for the positive feedback - we're so glad we could help you with your mortgage. We're sorry to hear you didn't have the same experience with our recommend solicitors. Best wishes, L&C

Rated 2 out of 5 stars

Initially great - Poor thereafter.

Initially, our mortgage broker was extremely helpful, knowledgeable, and gave us confidence in the early stages of our house purchase. Unfortunately, as the process progressed, communication became slow and inconsistent. We often had to chase for updates and felt unsupported during key stages of the transaction. Instead of reducing stress, the lack of timely responses and accurate guidance made an already challenging house purchase far more stressful than it needed to be. Disappointing given the strong first impression and previous positive work with L&C.

July 16, 2026
L&C Mortgages logo

Reply from L&C Mortgages

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

Rated 2 out of 5 stars

Make sure you get what you discussed

All started well but went down hill... After a lengthy conversation with the mortgage advisor, we were set on a 5yr fixed deal which we confirmed that we wanted to go ahead with just because things were happening in the world, and the mortgage rates were about to go up because of the USA/Iran stuff. When we spoke to him the next day we found it he put us on a 2yr fix - absolute joke. We also just wanted to pay the £995 fee for the mortgage provider setup fee upfront, but he added it to the mortgage.... Will probably just pay for a mortgage advisor next time and we might actually get what we discussed.

February 15, 2026
L&C Mortgages logo

Reply from L&C Mortgages

Hi John. 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

Reduced the stress of remortgaging!

Staff are so helpful & friendly. They really make a complicated process much easier to understand & take a lot of the stress out of it. They helped me save money on my remortgage too!

July 26, 2026
Rated 5 out of 5 stars

Very quick and friendly service with no…

Very quick and friendly service with no fee. We had done 2 previous mortgage and remortgage where our broker at the time had changed us £500 each time and we thought he was getting us a better rate. Turns out they weren't and L&C got us the same rate with zero fee. Wish we had used them previously and kept our 1k for the family instead.

July 18, 2026
Rated 1 out of 5 stars

Abandoned my case

Nearly lost a house when I applied for a mortgage through them. First time opening a mortgage, and I had high hopes for my mortgage advisor. I had invested around £1000 on the property through conveyancing and property valuation, sent dozens of documents to my case manager, who I would assume didn't request my documents properly, as the first time I was declined a mortgage was because she didn't ask me to submit my recent tax year income that showed better income, this didnt take long to mend the issue and continue my application, this process took long as they wanted physical documents aswell. Now I don't know what the advisors problem was, but he seemed tired when talking to me, and I felt like I was treated like a figure, and this wasnt the worst part, I had faith that as an advisor if an application got rejected he would work towards finding me a different lender, but NO, soon as the application got rejected from the lender due to me having a complicated case of low credit score as I would assume, Rodrigo sends me an email saying I got rejected, he didnt figure out why and told me to call them and find out myself, but he also shut down my case completely without any attempt of finding another lender and ignored my enquiries after, I was treated with poor service and a lost cause, I understand that my low credit can be a complicated case but I would have never expected this kind of treatement and lack of support from this company, I am VERY dissapointed with their services. Now, fortunately, Haysto Mortgages pulled through for me, and I found a lender, so I would highly recommend them as an alternative. As L&C clearly demonstrated to me that they can't handle complicated cases, I would highly recommend Haysto even though you need to pay them for the work; they spoke to me and took my case within minutes of my application and got me a lender in under 2 weeks, and only charged once I got my mortgage offer. Speaking from experience, I will never recommend L&C to anyone and would highly advise seeking different mortgage companies.

June 12, 2026
Unprompted review
L&C Mortgages logo

Reply from L&C Mortgages

Hi Alex. 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

Fantastic

Fantastic. We were first time buyers and L&C made it so easy for us. Explained everything throughout, every question answered quickly and even shopped for cheaper offer right up to the last minute. Huge shout out to my case handler Hannah Arthur and Ben they couldn't have done more for me and were amazing throughout despite some of our challenges. I would recommend L&C to anyone. Thank you so much

July 24, 2026
Unprompted review
Rated 5 out of 5 stars

I had a great experience with L&C

I had a great experience with L&C. Sarra V was an exceptional Adviser, who put my worried overthinking at ease, explained everything clearly, and helped me secure a mortgage efficiently. I could not have asked for more, would definitely recommend

June 1, 2026
Unprompted review

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