L&C invites customers to share how mortgage advice shaped their lives
Behind every mortgage is a personal story—whether it’s taking the first step onto the property ladder, moving to accommodate a growing family, or simply finding a better deal. As mortgage and protection broker L&C Mortgages submits its millionth mortgage application, the company sees the milestone as more than just a number. It represents the varied experiences and important decisions of customers across the UK. For Mark Harrington (pictured top), chief executive of L&C Mortgages, and his team, reaching this point highlights the trust they’ve built and the customers they’ve supported over the past 25 years.
When Harrington joined L&C Mortgages, the company had processed about 25,000 applications. Fast forward to today, and the millionth application—recently submitted to Barclays—marks a significant accomplishment for the business.
“It’s an astonishing milestone to reach, not just for me personally but for each and every member of the team, not only now but also throughout L&C’s history,” Harrington said. “Many people, both past and present, have played a part in helping so many customers.”
But for Harrington, the true significance of the achievement goes beyond the impressive figure. “Although it’s a big number, we’ve recognised that there is a story behind every mortgage,” he remarked. “Customers have been sharing their stories, whether it’s buying their first home or how L&C has helped save them money. That impact on key moments in our customers’ lives is what it’s all about.”
Built on trust and proven service
L&C’s progress has been driven by a consistent focus on doing the right thing for customers. Over a quarter-century, this approach has helped the company grow and has encouraged many clients to return for advice on more than one occasion. “The foundation of always trying to do the right thing for customers has never wavered,” Harrington explained. “It’s made the L&C proposition resonate with borrowers throughout that period, and many have trusted us with not just one mortgage but have returned to us time and again.”
The brokerage also works to improve and adapt its service. “We don’t want to rest on our laurels,” Harrington said. “We continue to review how we can do things differently and improve the customer experience.”
The power of fee-free advice
A key part of L&C’s business is its fee-free model, which is unusual in the mortgage sector. By not charging a broker fee, L&C has made advice available to more people. “The million mortgage applications brought home the difference it can make—if each applicant had incurred a £300 fee, we’ve saved £300 million in fees for our customers!” Harrington noted.
He believes this approach has encouraged more people to seek advice, especially at a time when costs can add up. “Not charging a fee will, we hope, have encouraged customers to take tailored advice, when they may have previously felt it was an option that could have been too costly for them,” he said. While other brokers may charge fees, Harrington believes L&C’s model helps set it apart, as long as it is matched by strong service.
“We are totally focused on offering great value to customers and not charging a broker fee certainly helps with that, by removing cost at what can be an expensive time,” Harrington added.
Celebrating a million stories
To mark the millionth application, L&C is inviting customers to share their experiences through the “1 Million Stories” campaign. One customer will win three months’ mortgage payments. In addition, a team from L&C will participate in the Circuit of Bath walk, aiming to collectively reach a million steps and raise funds for Julian House, a charity supporting people experiencing homelessness.
Beyond the millionth application, Harrington said the company’s ambitions remain strong. “We want to make sure that we continue to grow,” he added. “We have a great proposition for customers and partners, so we want to build on that and continue to build our market share. We’ve always targeted becoming the household name for mortgage advice in the UK and help even more customers pinpoint the best deal for them.”
L&C is planning major changes for 2026, including new technology and the use of AI to free up staff time for customer service. The company’s recent BCorp status also reflects its focus on sustainability and responsible business.
“There’s always so much work going on in the background to improve what we do and we have exciting plans to come early in 2026,” Harrington said. “Watch this space…”
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