L&C Mortgages is a UK mortgage broker and advisory platform positioned as a “fee free mortgage broker.” The website offers an online Mortgage Finder, mortgage comparisons, Mortgage in Principle, calculators, and phone-based adviser support. It serves a wide range of borrowers, including first-time buyers, remortgagers, Buy to Let customers, home movers, self-employed applicants, contractors, company directors, and more.
Its main strength is broad market coverage: the site repeatedly states that it can compare 90+ or 95+ lenders and thousands of mortgage products, including 2/3/5/10-year fixed-rate mortgages, tracker mortgages, variable-rate mortgages, interest-only mortgages, offset mortgages, joint mortgages, new build mortgages, right to buy, shared ownership, holiday let, and commercial mortgage products. Its Mortgage in Principle uses a “triple filter” to check lender criteria, borrowing amount, and available products. It also does not run a credit check, so it will not affect the user’s credit score. The certificate can usually be completed by email within 20 minutes, and sometimes within a day.
L&C emphasizes no broker fees, free advice, and no hidden costs for users. Users can submit details such as income, expenses, debts, and deposits online, or contact an adviser by phone. Once a suitable product is found and an application is submitted, a dedicated case manager helps with forms, chasing progress, and tracking the process. Users can check updates online 24/7 or by phone seven days a week. One point to note is that property survey services are provided by partners such as GoTo surveys, and the page clearly states that L&C receives a payment if the user chooses that service.
The content does not disclose L&C’s own regulatory licence details or full commission structure, which is a transparency weakness. Compliance information mainly appears in relation to survey services: GoTo surveys’ surveyors are RICS regulated / RICS members. Its risk controls mainly involve pre-application eligibility screening, income and expenditure assessment, lender affordability calculators, and matching borrowers against product criteria. However, final approval is still made by the lender, and a Mortgage in Principle is not a formal mortgage commitment.
L&C is suitable for individuals buying property or remortgaging in the UK who want to compare multiple banks and receive support from human advisers. It is not suitable for users looking for payment gateways, open APIs, cross-border acquiring, or local mortgage services in China. The source content does not provide information on access from China, so this remains unknown. Alternatives include Habito, Better.co.uk, MoneySuperMarket, Compare the Market, or applying directly with UK banks and building societies.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on landc.co.uk official site.
landc.co.uk is an United Kingdom Payments provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach landc.co.uk directly.