Name: L&C - London & Country Mortgages
Rating: 4.67

“Very helpful staff, keeping you updated often.”

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Posted 3 years ago

Hi Dewi, thanks for taking the time to leave us a great review! Best wishes, L&C.

Posted 3 years ago

“As a first time buyer the whole process of getting a mortgage was daunting. I was recommended L&C by a work colleague and I am so glad I was. Fantastic service, great communication and made the process of getting a mortgage easy and straight forward, with a professional team who couldn't do enough for you. As a first time buyer i couldn't have wished for a bettwr service. Found me the best deal for me and I will be recommending them to others in the future. Thanks again.”

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Posted 3 years ago

“Very professional and at the same time friendly . Would recommend to anyone”

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Posted 3 years ago

“Fantastic service from Sam and Mary. We could not have asked for anything better when buying our first home.”

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Posted 3 years ago

Hi Alexander, thanks for leaving us such positive feedback! Best wishes, L&C.

Posted 3 years ago

“Wow! From enquiry to being offered a new mortgage was so speedy. Communication is excellent and personal. Goodbye 5.03% for the next 9 years, hello 1.84% for 8 with chance to clear in 7 with the savings. Highly recommend.”

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Posted 4 years ago

We're really glad to hear we were able to get you a great new deal! Thanks for taking the time to leave us a five star review. Best wishes, the L&C Team.

Posted 4 years ago

“Using L&C made the process of getting a mortgage much easier and without a direct fee. It was my first time applying for a mortgage but by using L&C it made sure I didn't make any mistakes that could have prevented me being issued with a mortgage offer and I was given my first choice of mortgage. The only downside I would say is that you often get asked for the same documents by different people in the organisation which was a little frustrating.”

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Posted 6 years ago

“Broker never called me back, so chased up again with no success”

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Posted 6 years ago

We're sorry to hear this. If you could email us at socialmedia@landc.co.uk with your case number, postcode and full name, we'll locate you and look into your case. Thanks L&C

Posted 6 years ago

“After arranging our first mortgage flawlessly, we thought we'd use L&C again for the remortgage. Sadly, it's been far from flawless. Shortly after the offer was issued, we got a letter from the solicitors stating there would be a shortfall of nearly £2k, which we would need to pay before completion. I'm sure I don't need to tell you, it's not exactly a pleasant experience receiving such correspondence. Basically we hadn't been informed that the last payment to our existing mortgage provider would take 10 days to clear, meaning we hadn't borrowed enough on the remortgage to cover the existing one. The "advisor" seemed perfectly willing to accept how we worked out how much we'd need, and definitely didn't mention any such risks. Or offer any advice come to think of it. So I emailed our "advisor" and "case manager" and told them of this error. I get no response. So I chase up, and the "case manager" says she has handed the issue over to the "advisor" who would sort it out. And of course we never heard from either of them ever again. Such amazing "case management". Honestly I'm not sure what these people actually do. Absolutely no idea. Anyway, after a few emails and phone calls directly to the solicitors, I eventually managed to resolve the issue by pushing back the completion date. Would have been nice for L&C to have stepped in and actually helped, but obviously they couldn't give a crap after offers are issued. I'm not going to bother using them again. I could forgive the initial error, but ignoring emails and basically being unresponsive when we needed help is unforgivable in my opinion. Will feel more comfortable doing the work myself in future.”

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Posted 6 years ago

We're so sorry to read this - and we'd like to look into your experience with your team. As you chose to review us anonymously, we've no record of your name, case number or postcode. Please could you email us at socialmedia@landc.co.uk and we can start our investigation. Thank you

Posted 6 years ago

“I was trying to source a buy to let mortgage for a couple of cottages and had been wondering the most effective way of doing this. As I work a away for my job, I was considering that my partner and I could move into one of them, therefore having one on a residential mortgage and then renting out our mortgage free house in Kent. However, on asking for advice from Perry, he immediately seemed to jump to the conclusion that I wanted to commit mortgage fraud, and when I told him my father lived next door, he grew even more unwilling to help. I had spoken to him a couple of times on the phone, prior to this, and he came across as unhelpful and unfriendly. I wished for him to come back with some potential figures from lenders and an agreement in principal, but he told me no lender would do this until the freehold of the combined cottages had been split. How is it that I have managed to obtain an agreement with a different lender then? Perry's attitude was appalling and he made me feel like a common criminal when all I was doing was asking for his advice. I know you must be a very busy and successful company who doesn't need my business, but I work in a customer care roll for a big corporate company, and I would never treat my customers in this manner. If I did, I wouldn't keep my job. I would be glad for some feedback from yourselves. I am still waiting for a vendor decision on the cottages, as he is trying them on the open market at a higher price first. If he doesn't sell, then he may accept my offer. I have an agreement in principal with another company but would still consider a more competitive quote from yourselves. Perry suggested that I look elsewhere...I clearly don't want to deal with him again. I look forward to your response. Fiona Griffiths”

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Posted 6 years ago

“We are first time buyers and needed help navigating our first purchase. I called L&C to get an idea of what we needed to provide and I was bombarded with questions about our income/expenses/deposit without any official numbers in front of me which i explained several times. I also explained I was just calling to find out how to get the ball rolling...I felt rushed through and we were offered a mortgage in principle that night. We worked with the figures suggested and made an offer on a house which was accepted. Following up with the underwriting our case worker was very impatient, he didn't allow me time to ask questions and personally made me feel like we were unlikely to get a mortgage (he was very negative & not encouraging at all). We felt totally out of control but pushed on with L&C because we feared losing out on the property. Our broker told us he would only be able to provide us with one quote so we have to decide if we wanted a 2, 3 or 5 yr fixed without seeing any figures. He also only gave us one quote from Skipton (who have very good customer services btw) so we felt like it was a 'take it or leave it' situation. I honestly do not feel like the broker had our best interests at heart nor do I think we got the best deals/rates. The application was delayed because the advisors did not tell us we needed our gift letters on Skipton's official forms (which you can download straight from their website)...an avoidable delay! Following on from the application, communication was terrible. Our second case worker only spoke to us briefly and would not return emails/calls for over a week. The main contacts we had were sales calls for us to purchase life insurance & home insurance. I also had an issue with the sales tactics....'I hate to think what you will do (my name) if anything should happen to (partners name)'...it was disgusting. We actually found out our mortgage offer had been accepted directly from a letter from Skipton with L&C phoning me three days later to let us know the same news. We will not be recommending L&C to anyone and I will be making sure this review is seen on other sites too. However I cannot fault Skipton or Premier Property Lawyers who have been wonderful and a huge relief to work with after the customer services of London & Country.”

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Posted 6 years ago

We're sorry to hear this Faye and we would like to investigate this experience. Please can you send us your details (including your full name and postcode) to socialmedia@landc.co.uk? Thank you and our apologies again for this experience, L&C

Posted 6 years ago

“Hard selling of insurance products”

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Posted 6 years ago

“Whats going on. They try to sell you their other products and will not give you any interest rates until you havr made an offer on a house. Told to use the internet to find the rates. Wasted an hour on the phone to get this info. How do we know what toboffer on a house if you wont give the interest rates and monthly payments! Ridiculous!!”

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Posted 6 years ago

We're sorry to hear that you were not given an indication of typical repayments Lee. We've spoken to your adviser and their supervisor who will be in touch this afternoon to rectify this. Thank you for letting us know and giving us the chance to read your feedback. L&C

Posted 6 years ago

“Seen as though my first review has been deleted & ive now received a letter trying to excuse L&Cs poor customer service & effort of a mortgage application, i'll write another one. First of all we where passed onto 3 different people in the space of 9 weeks. Non of which would EVER answer their phones & only 1 of them I actually spoke to directly. We where constantly chasing them trying to find out where our application was at & what was going on. When we decided to take matters into our own hands & we called the lendsers direct they told us that L&C hadn't been in touch with them for 3 weeks. When we told our mortgage broker that the lender had told us this, he laughed down the phone. Rude email replies when asked what is taking so long, now after telling them to no longer contact us, we are still getting letters trough the door excusing their poor service. Leave us ALONE!”

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Posted 6 years ago

Thanks for taking the time to send your review, Holli. It would appear that your original review was moderated, as it specifically named members of staff. Our compliance team has been looking into your case, after receiving your complaint. As you wished, we have contacted you following our investigation and all replies have now been sent. We’re sorry to hear that you’ve been unhappy with the service.

Posted 6 years ago

“5weeks down the line and still no closer to being accepted for a mortgage. Bank say they have not heard from L&C for almost 2 weeks! They do not answer my calls. I was so concerned that I went to the estate agent last night. They did all the checks and I have been accepted for a mortgage by the bank they recommended this morning. If you are considering using L&C, save yourself a lot of stress, my advice is DON'T.”

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Posted 7 years ago

We're so sorry to read this Irene. Please could you email us so that we can find you on our system and investigate this for you. Our email address is socialmedia@landc.co.uk - if you could email us with your full name and postcode, we'll look into this. Thanks L&C

Posted 7 years ago

“Words can't describe how awful L&C are - they've ruined the experience of the purchase of my first place. The only thing that would make the hell I've gone through a little worth it is if my experience saved someone else from using them. They quoted the wrong price and gave the solicitors the wrong information so that two months into the process, I had a increase of over 40% in legal fees. The guy who was responsible? Didn't even express an apology. What makes it worse is that I knew he was bad from the get go and I expressed my concern to L&C but they still kept him on my case. Fast forward two months later and he's cocked up remarkably without apologising once and I'm left to deal with the stress of the fallout including finding a new solicitor. The solicitor's they recommended? Criminal. So ridiculously criminal I can't help but laugh because they're so bad it has to be a joke. The solicitor's are Premier Property Lawyers by the way - AVOID AT ALL COSTS. And when I outlined very clearly to L&C everywhere that the solicitor had gone wrong , the very same solicitor that they themselves had recommend, they told me to take it up with the solicitor's not them. That's exactly the kind of support, accountability and responsibility you can expect from L&C. Oh and don't forget that however bad they or the solicitor's are, L&C are still going to get a cut of the legal fees you pay. Same for whichever mortgage lender they recommend. So if they stand behind the 'we're free!' banner to excuse their shoddy work, rest assured, they're getting paid. And what of quality? They incorrectly completed the HTB forms with the wrong address so that the simplelest valuation of the property didn't complete until two months after I'd put in the offer. Trust me - find a friend, family member or colleague who has bought a property and do it yourself. If you have to use a broker, don't use L&C. Find another who can search the market but take it from there yourself. As for solicitor's - it's unfortunate that they're compulsory. I actually had to download the contracts and all documents related to the purchase from my seller's solicitor's myself because my painful, completely useless solicitors couldn't get the files. And they were prepared to charge me £150+VAT if the seller's solicitor's had had to post them. I won't even get into the number of documents I had to chase and collect myself that both the solicitor's and L&C should have gotten. If I requested L&C get the document, my email would go unanswered for hours. If I managed to chase and get ahold of the document myself and email L&C to tell them to to worry about getting it, I would receive a reply immediately acknowledging that email. So I'll close off by reiterating what I said at the beginning - L&C have ruined the purchase of my property, but although I may have gotten the short end of the deal, it'll be worth it if my review here helps anyone else avoid falling into the trap I did. Happy purchasing x”

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Posted 7 years ago

Hi Catherine, I'm really sorry to hear about this and can assure you we always try to provide the best service for our customers. I understand a manager has been in touch to pick this up for you but please contact us via the website if you need to discuss further.

Posted 7 years ago

“I'm towards the end of buying my first home and am so grateful for all the help from Liam and Jenny at L&C. They have made the process run smoothly for me. Always quick to respond. If I move in the future I'll get in touch with L&C again!”

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Posted 8 months ago

“Good experience, follow up service. Very easy to deal with and good communication”

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Posted 1 year ago

“Stuart was excellent throughout, managing our case in a friendly and professional manner throughout. Always prompt to respond with clear updates. Stuart certainly made us feel that we were getting an individual service. I would suggest that the Friday 10:00 text updates are re-considered as they were not actually helpful and took away the sense of an individual service.”

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Posted 1 year ago

“Brilliant service kept me up to date all the way through and couldn’t recommend them highly enough!”

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Posted 2 years ago

“Excellent service provided by Jonathan Halford and Jessica Wood. When other mortgage brokers declined to discuss my mortgage options as I am on tier 2 visa, L&C took my case. I was provided with online quote and the application was quite easy. Once Jonathan and Jessica contacted me they kept me updated with the whole process and my mortgage was approved quite easily. Very helpful and friendly staff who are always ready to help. Can't fault them. Highly recommend them for your mortgage.”

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Posted 2 years ago


Customer Service
Communication Channels	Email, Telephone
Queries Resolved In	Under An Hour
Customer Service	4.8 out of 5

L&C - London & Country Mortgages Reviews