L&C Mortgages

L&C Mortgages, fee-free mortgage broker for the client

L&C Mortgages is a UK mortgage broker that presents itself as the country's largest mortgage broker and offers advice without charging fees to the applicant. The firm serves those buying a home, remortgaging, buying to let or moving home, and states it has served over a million customers and won more than 220 industry awards for its services.

Its remuneration model is explained in detail: all brokers receive a payment from the lender when the mortgage completes, and other intermediaries charge the client between £250 and £2,377, according to the calculation the website itself makes based on 1% of its typical loan amount as of June 2026. L&C states it does not apply any commission for its advice or service, and maintains that applying through it costs no more than going directly to the lender for the same deal.

Advice for buying, remortgaging and buy to let

The service is organised around several customer profiles: first-time buyers, those remortgaging to improve their terms, buy-to-let investors and homeowners moving home. The company also welcomes those who are not yet sure which category they fit into.

Among the types of loan it handles are new build mortgages, fixed rate mortgages, tracker mortgages and mortgage in principle. For the investment segment, the website includes a specific buy to let remortgage section.

Comparison of deals and calculation tools

The firm publishes lists of the best mortgage deals of the moment, both residential and buy to let, with examples calculated on a £125,000 mortgage at 50% loan to value. Each listing shows the lender, the initial rate, the overall cost for comparison and the annual percentage rate of charge.

Alongside these comparisons, it offers online calculators to estimate how much you can borrow, what the monthly payment would be, how much a property is worth and what it costs to remain on the lender's standard variable rate. This last tool compares the payment at the follow-on rate with what it would be if you switched products. The company notes that last year it placed mortgages with 59 different lenders and that this variety of criteria allows each application to be matched to the most suitable lender, even in cases where the automatic calculation falls short and a higher amount can be negotiated based on individual circumstances.

Support through to completion and the Rate Check service

The advice includes checking in advance that the applicant meets the requirements before submitting the application and support throughout the process up to signing. If a better deal appears before completion, the company states it can switch the client to those new terms. It also has a service called Rate Check, which calculates the savings its clients have made over the year.

The firm complements its mortgage brokerage with protection and conveyancing services, as well as guides, news and market surveys. It also maintains a list of lenders and a mortgage minder service.

Contact and availability

L&C can be reached via a freephone number from a landline or mobile and offers the option to start the process online, get a mortgage in principle and subscribe to a newsletter with the deal of the week. Its advisers, whom the company describes as award-winning, are available seven days a week.