London & Country (L & C)

Fran_Sims

I used them last year for my re mortgage and trying to get my ex husband off the mortgage. The advisor was very efficient although I have to agree with another reviewer who said that the admin side were not so good. I found them to be paper pushers who could not answer simple queries. On top of this i tried to use their solicitor (as it was free), but they were beyond useless. After 8 weeks they told me they were working for the lender and not me! I had to employ my own solicitor. I would agree that unless your mortgage is simple then definitely use your own solicitor and not the L&C one.

FTBlalala

I used L&C last year and they were great. Like others have said tho, this might be because we were an easy case. 5% deposit, £45k combined income, no debts, permanent jobs, no dependents.

I agree that they might not be the best option if you have any more complex items.

Old_Git

I used then twice both times for a remortgage .
They offered free legal that I should have avoided .
Legal told me they where waiting for a redemption figure .There wasnt a redemption figure ,they contacted the wrong solicitors looking my deeds .

keithdc

We tried to use them- very disappointing.

Relatively simple case with low LTV%.

The adviser was OK, but we had to provide the same information on multiple occasions! Then we had to enter the information on a website.

Adviser was very pushy with life insurance, despite our insistence that we didn't want or need it.

He came back with a 'recommendation', but when challenged seemed to not be aware of other offers available on the market (including those advertised on the L&C website)!


Then it got bad.... our application was filled on our behalf and submitted to the mortgage company. When they sent me a copy, I identified at least 13 errors, ranging from simple typos to getting fairly important things wrong like recording salary as weekly rather than monthly.

In the end, we retracted our application and applied to the mortgage company direct.

(A further complication was that L&C did not seem to want to get us a mortgage company AIP, which also held things up)!

MsGeorge88

I contacted them for information on getting a mortgage, they requested I send my info across to them via email which I did. I sent them all my credit report etc. Then.......nothing!

I haven't yet applied for a mortgage but judging on this brief encounter and the reviews on here I may just pay for a broker as my case is not vanilla!

spadoosh

Got my current mortgage through them. No issues at all. The only thing i could slightly complain about was the length of time it took probably about 2-3 weeks longer than i would expect but then i wasnt chasing anything up so allowed them to work at their own pace.

nyc_451

I uses them as FTB, they were recommended by the estate agent. My case was straight forward, first time buyer, good credit history, 11% deposit, no chain, low value purchase (120k).

Overall happy with my experience however they do push sales for insurances.

The only thing I regret is using their reccomended solicitor - pricey and not efficient.

Esmondo

I guess L&C would have been fine if my situation had been simple and easy for them - but there were a few complications that they just couldn't deal with. Just 3 days after they told me I would not be able to get a mortgage from anywhere in my circumstances, I have a mortgage offer in front of me, from an everyday high street lender, at a lower rate than L&C originally quoted. I felt like they just couldn't be bothered with going out of their way to help me, just because it wasn't a straightforward case. Adding insult to injury, they originally said it wasn't a problem, and then admitted they hadn't read my credit report properly!

Edited to add, the mortgage offer I now have wasn't through L&C but through Trinity Financial

AliceBanned

'Adviser was very pushy with life insurance, despite our insistence that we didn't want or need it'.


This is exactly what I experienced - very pushy indeed with lots of follow up calls hardly taking 'no' for an answer. I didn't like that aspect but the mortgage part was fine and I got a pretty good deal. As a female buying alone I did think the life insurance pressure was rude and manipulative and it put me off L&C so not sure I'd go back, no I probably won't.

Tom123456789

They do exactly the same as the broker down the road but don’t charge the £350 fee and you can sit on your couch on the phone without leaving the house. I’ve done multiple mortgages with them including personal and buy to let’s and it’s easy and stress free every time