“ National no-fee mortgage broker L&C offers expert free mortgage advice from the whole market. „
Excellent service from people who know what they are doing.Good progress checker with the special web-site keeps you informed .Will certainly use them again especially as the service is free .My only concern was the muddled nature of some of the ` help `documents when they all arrive together. P Lawrence
I was initially extremely impressed with L&C as they identified a mortgage that was cheaper than I had been able to find and better suited. However, after having identified a mortgage the service went downhill from there. Having discussed various possible property values, I then later confirmed how much I wanted to borrow and what I thought my property value was. I asked whether I could check the application before L&C sent it off on my behalf but was told that it was an online application so they couldn't send it to me but they had a special team to check the details before it was submitted. The wrong borrowing amount and property value was included on the form and L&C advised not to submit a new application but that they would inform the lender. I was passed to a different representative within L&C after the application was made and she informed me no one from L&C had spoken to the lender to change the value. The new representative then spoke to the lender and gave new but also incorrect details after which I spoke to the lender directly. From that point onwards I cut L&C out of the loop as they have been creating the problems. I found that the new representative would inform me of status update several days after I have received this information in the post which followed a status update over the phone direct from the lender ie many days later necessary. The lender had instructed a valuer which confirmed the value on the original application but when asked to correct the value they refused and hence the application was rejected for the higher borrowing amount. After daily calls with the lender and filing an appeal with evidence showing that the correct value was supportable, the lender instructed a new valuer. The new valuer confirmed a valuer even higher than I required and the mortgage was finally approved at the correct borrowing amount. After an initially great service from L&C they caused a huge amount of unnecessary stress and work for me through a very poor application service. I won't be using them again.
London and County has been very helpful in guiding me through the mortgage application process. Stephen and Dan had provided excellent advice on every step of the application. REF: M1628591
I was originally going to be using a mortgage advisor that charged. Luckily I noticed Martin's money tips newsletter recommend L&C. I am so glad! Not only was it all free, I actually got a much better mortgage rate and the process was so simple. I mostly completed the paperwork via telephone in my work breaks! Adam and Karis were very helpful and always good at communicating anything or getting in contact. I would highly recommend, particularly when I hear friends and family in a similar situation have often paid a huge sum of money for this service. M1618814
M1605389L&C have arranged my last three mortgages and they have all gone smoothly. They listened to my opinion search the market for the best deals that suits my choice. Re-mortgaging is easy with them.
M1600936 - Have used L & C now several times as they offer more choices than any search engine. The transitions have always been smooth and trouble free and I have never found a better offer anywhere else. So much so now that my grown up sons are in the market place they are using L &C to find the best deals and even they are impressed!!
Just received our Mortgage offer using L&C. Cannot speak highly enough of them. Did exactly what we asked of them and made the whole process a speedy one. Went over everything with a fine tooth comb and told us everything we needed to know. Excellent service and brilliant communication from Joseph Andrew & Andrew Catley who where always on hand when we were unsure of anything. Looking forward to getting our new property and would definitely use again. Jonathan Fallon No: M1614475
I have just completed my second re-mortgage application using London and Country and I cannot speak too highly of their service on both occasions. The first time was 5 years ago, and as promised at the time they contacted me again just before my fixed interest deal ended.I know it might sound corny, but they really do what they say on "the can". What more can you say!! They are excellent to deal with, knowledgeable about the products available, rock solid in their advice and swift with any follow up required. All this and they don't charge you anything!I shall certainly use their services again at the end of my new fixed interest deal and make no hesitation in recommending them to anyone needing a mortgage or re-mortgage. Martin & Laima BradleyRef: No: M1621212
I have used London & Country Mortgages three times in the last couple of months to arrange mortgage products for purchasing buy to let properties. What a fantastic and streamlined service! From initial contact the team at L&C have been extremely helpful and highly efficient. You are initiallly assisted by a mortgage advisor who assesses your requirements and makes a number of recommendations for mortgage products (some of which were better than I had previously been able to achieve). After this you are then allocated a morgage case manager who assists you through all the stages of the *paperless* application process and provides you with online case tracking facilities. The whole process is as painless as a mortgage application can be. I can fully recommend their efficient, friendly and knowledgable services.
M1582275Both Anna Beattie and Rebecca Stanley have been fantastic in arranging and especially chasing progress on my mortgage application. There have been various issues and a drawn out process of nearly three months of trying to get the valuation sorted out (at no fault of L&C) but I am so pleased to have received the offer. I am using Premier Lawyers, as recommended by Anna, and hope that the service is even a fraction as good as that provided by L&C - best customer service I have ever received.Thank you!
Ref: M1606831I've been very pleased with the quality of service and attention to detail I've received from London and Country.They were in touch frequently in the early stages of my application and made sure I understood what choices I had. Better still, they haven't continued to trouble me now that the mortgage offer has been made and the legalities are in hand.This was my first time at setting up a buy to let mortgage, and I would certainly recommend L&C to anyone wanting great service and a clearly understood process.
Great service by L&C. Kelly Baker and Sam Page were extremely helpful.
Last time i used them -they failed to act on my explicit instructions - and i ended up with a higher rate.They never have your details stored - so you have to go thru the whole blasted process.And they insist buildings and life protection as this is what they want to flog you - even though it is not compulsoryLast time i wanted to change from repayment to offset and they said i need to have "total commitment"doesn't sound much like no obligation
This is the second occasion (ref. M1598396) I have used L & C as a mortgage advisor and, as on the last occasion, they have been superb:- Courteous, knowledgable and highly professional staff- Very quick and efficient service, with original documents returned the next day- Clear and consistent advice- Superb communication, both by phone and via the online website application tracking systemI would have no hesitation in using their service again or recommending them to friends and family
Having always been a follower of Martin's Money Saving Expert forum for best deals and recommends, I decided to try the broker he had used to provide the free Mortgage Guide, London & Country Mortgages. They are fee-free and whole of market brokers. Some banks and building societies will still be exempt as they provide their products exclusively but we had already done our research and had several meetings and phone conversations with the top 4 best deals we had been quoted via online mortgage calculators and the products L & C found beat them and they could tap into a variety making the searching hassle-free. As First Time Buyers, our advisor, Nathan, was great at giving no nonsense advice and providing an expert opinion. We needed a mortgage provider for a short lease with the ability to make over payments and he did all the hard work for us. Our case manager, Daniel, was diligent at keeping us updated with the application progress as our mortgagee provider is only available via brokers and is known for being picky. (ref: M1578522) Both were attentive at keeping in touch and very personable, not overly formal and just the right side of chatty. Buying a house for the first time is a big decision and daunting so it was nice to have approachable people who knew the process and could explain how it all works without making you feel as though you were asking anything stupid. I will definitely be using L & C again. Vicki