Consumers get help from Which? get the best mortgage deal

With around 1.8 million fixed-rate mortgages due to expire in the UK in 2026, it’s not just buyers that need to find a good deal. Rises in interest rates in recent years mean that for many people remortgaging could bring an unpleasant shock with monthly payments much higher than on their previous deal. 

Which? works with L&C which is the UK's largest fee-free mortgage broker to help consumers during times of market volatility. It has access to 1000s of deals from over 90 different lenders across the market and its advisers are on hand to help seven days a week, online or over the phone. ‍At the successful completion of your mortgage application, L&C are paid a commission by the lender and will share a small part of the fee with Which? This sum is to help fund their not-for-profit mission and their campaign work as a champion for the UK consumer. 

Our experience with Which?

Donna Callaway, Partnership Director, L&C Mortgages

Since launching our partnership with Which? in 2023, we’ve been proud to provide Which? members with access to completely fee-free, expert mortgage advice.

The partnership has delivered strong commercial and customer outcomes. Since launch, we have seen a continued increase of customers using the service year on year.

Traffic from Which? demonstrates particularly strong engagement and intent, reflecting the trust members place in the brand. The conversion performance and quality of enquiry highlight the value of partnering with an organisation known for independence and consumer advocacy.

Working with Which? strengthens our shared commitment to putting consumers first. As a long-standing fee-free broker, we align closely with Which?’s values of transparency, fairness and value for money.

About L&C Mortgages

Established since 1999, L&C Mortgages don’t charge for their mortgage advice. Their advisers search across the market to find the best mortgage deal for their customers’ unique situations, sifting through thousands of potential deals. They aim to make applying for a mortgage a simple and hassle-free experience for their customers – whether you’re buying your first home, moving house, remortgaging or investing in a Buy to Let property.

Which? works with you

Simon Boulton, Commercial Manager for Which? B2B Money, says: 

For many consumers, a mortgage is one of the largest monthly outgoing payments, and selecting the best value mortgage is key. The service provided by L&C is whole of market, the UK’s largest fee-free  broker and provides exceptional customer service. 

Looking ahead, our ambition is to build existing partnerships and new relationships with financial services brands that fit the Which? brand. Our mission is to make everyday life simpler, safer and fairer for consumers and our commercial relationships are a key part of that mission. In 2026, we are launching new initiatives including a newsletter series for First Time Buyers and a new look insurance comparison journey to support our mission as well as setting up new relationships that meet our consumer and commercial needs.