// Workers AI · dad joke modeWhat did L&C Mortgages say to the house? "You're secured.
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| L&C; L&C Mortgages | |
| Type | Private |
| Industry | Mortgage broking |
| Founded | Mid-1980s |
| Headquarters | Bath, United Kingdom |
Number of locations | Bath; Newcastle |
Area served | United Kingdom |
| Key people | Michael Edge (Chairman) |
| Products | Mortgage advice |
Number of employees | 350 mortgage advisers and 90 protection advisers (April 2025) |
| Website | https://www.landc.co.uk/ |
L&C Mortgages (also known as London and Country Mortgages Limited) is a UK mortgage broking company headquartered in Bath with a second office in Newcastle. They are one of the largest and best-known national mortgage brokers[1] with 350 mortgage and 90 protection advisers as of April 2025,[2] and are a certified B Corp company.[3]
History
[edit]London & Country Mortgages was first established as a mortgage subsidiary of Chase de Vere Investments in the mid-1980s. The original idea behind London & Country had been to service the mortgage enquiries generated by Chase de Vere Investments’ clients, however after a number of years it was scaled up and became a business in its own right.[4] They achieved this by engaging with the national press to provide commentary and best buy table data, which helped to generate enquiries from customers seeking mortgage advice all over the UK and fitted well with a key part of their business model of providing advice over the phone.[5]
London & Country became an independent business in January 1997,[6] though remained part of the Chase de Vere holding company until it was sold in 2000[7] to Michael Edge as part of the acquisition of Chase de Vere Investments by Bank of Ireland.[8] Global information services group Experian later acquired a minority stake in L&C in 2017, with chairman Mike Edge remaining the majority shareholder and a significant portion of equity remaining with L&C’s management and employees.[9]
London & Country has been authorised by the Financial Services Authority and then the Financial Conduct Authority since 1st December 2001, with trading names L&C since 14th June 2005 and L&C Mortgages since 2nd December 2019.[10]
In 2012 they expanded to a second office location in Newcastle, the northern hub giving L&C a greater regional spread across the UK and the ability to recruit a number of young graduates due to the universities in the area.[11]
L&C launched their first major national TV advert campaign in 2017,[12] and their second TV advert campaign in 2018 narrated by TV personality David Mitchell.[13]
In September 2025 L&C submitted their 1 millionth mortgage application, a milestone they marked by participating in the Circuit of Bath walk to raise money for homelessness charity Julian House.[14]
Media coverage and commentary
[edit]L&C Mortgages is referred to in national media for its commentary on developments in the UK mortgage market. During the period of market volatility following the September 2022 mini-budget, associate director of L&C Mortgages David Hollingworth was quoted by The Guardian discussing short-term uncertainty in mortgage rates and the likelihood of continued volatility for borrowers.[15]
The company was again cited by The Guardian in August 2024 in coverage examining how borrowers could identify competitive mortgage interest rate deals, where L&C Mortgages was referenced as a mortgage broker providing market insight and guidance to consumers.[16]
The Telegraph has also included commentary from L&C Mortgages in its reporting on changes in mortgage pricing, including analysis of new five-year fixed-rate mortgage products entering the market following shifts in interest rate expectations. The article quoted an L&C Mortgages representative commenting on the impact of market conditions on mortgage pricing and borrower behaviour.[17]
References
[edit]- ↑ Thornhill, Jo (2025-12-08). "Best Mortgage Brokers Of 2026". Forbes Advisor UK. Archived from the original on 2025-12-13. Retrieved 2026-03-14.
- ↑ "CEO on how company has fought back from adviser exodus". www.mpamag.com. Retrieved 2026-03-14.
- ↑ Bellamy, Becky (2025-05-27). "L&C Mortgages achieves B Corp certification". Mortgage Strategy. Retrieved 2026-03-14.
- ↑ McCarthy, Jason (2017-04-24). "UX Insider Interview: Michael Aldridge, Innovation Director, L&C Mortgages". Medium. Retrieved 2026-03-14.
- ↑ Thickett, Robert (2012-07-29). "The consumerist". Mortgage Strategy. Retrieved 2026-03-14.
- ↑ https://find-and-update.company-information.service.gov.uk/company/01988608/filing-history/NDg0MzAyMThhZGlxemtjeA/document?format=pdf&download=0 Companies House. 8 September 1997. Retrieved 23 October 2025.
- ↑ https://find-and-update.company-information.service.gov.uk/company/01723284/filing-history/MzAxOTcyNTlhZGlxemtjeA/document?format=pdf&download=0 Companies House. 27 April 2001. Retrieved 23 October 2025.
- ↑ Jones, Rupert (2000-07-29). "£41m payout for Chase de Vere staff". The Guardian. ISSN 0261-3077. Retrieved 2026-03-14.
- ↑ "Experian and L&C form new partnership". www.mpamag.com. Retrieved 2026-03-14.
- ↑ "NewRegister". register.fca.org.uk. Retrieved 2026-03-14.
- ↑ Rampen, Julia (2013-06-06). "London & Country doubles Newcastle adviser team". Mortgage Solutions. Retrieved 2026-03-14.
- ↑ "A Piece of Cake! Baking Cakes with L&C | L&C Mortgages". www.landc.co.uk. Retrieved 2026-03-14.
- ↑ Fitzsimons, John (2018-03-05). "L&C launches new TV advert". Mortgage Strategy. Retrieved 2026-03-14.
- ↑ Sagar, Anna (2025-09-18). "L&C Mortgages submits millionth mortgage application". Mortgage Solutions. Retrieved 2026-03-14.
- ↑ Jones, Rupert; Partington, Richard (2022-10-03). "What is the impact of 45p tax U-turn on markets and mortgages?". The Guardian. ISSN 0261-3077. Retrieved 2026-03-14.
- ↑ Haurant, Sandra (2024-08-21). "How to get the best interest rate deal on a UK mortgage". The Guardian. ISSN 0261-3077. Retrieved 2026-03-14.
- ↑ https://www.telegraph.co.uk/money/property/mortgages/cheapest-five-year-mortgage-rate-since-september-hit-market/ The Telegraph. Retrieved 23 October 2025.