Town & Country Mortgage Services Ltd Reviews 

1,272
TrustScore 5 out of 5

5.0

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Review summary

Created with AI, based on recent reviews

Looking at 121 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the knowledgeable and helpful staff for providing exceptional guidance and making complex mortgage applications completely stress-free. Reviewers often note that advisors are approachable, patient with questions, and thorough in explaining every single detail. Consumer feedback highlights the outstanding customer service, with dedicated professionals consistently going above and beyond to secure favorable deals. People also appreciate the remarkably quick response times and the smooth user experience, ensuring that communication remains clear throughout. Clients feel fully supported from start to finish, leading to high recommendations for future property purchases.

What people talk about most

Staff

Customers report positive experiences with staff, highlighting attentive and well-organised advisors who... See more

Service

Reviewers mention positive feedback about service, highlighting exceptional support and guidance throughout... See more

Customer service

People report positive experiences with customer service, highlighting attentive and professional support... See more

Response time

Users describe positive interactions with response time, highlighting fast and efficient communication... See more

User experience

Clients share positive opinions on user experience, highlighting how smooth and straightforward the process... See more

Reviews shaping this summary

Rated 5 out of 5 stars

T&C were fantastic, specifically Michael Longley who was really informative and just made the process chill and stress free. We are first time buyers and a bit more complex, we didn't actually think w... See more

Rated 5 out of 5 stars

Gary and Sommer have been fantastic in helping secure a mortgage to buy our property. Gary helped negotiate terms and secure a great deal. They were both super knowledgable and so helpful and approac... See more

Rated 5 out of 5 stars

Michael made our experience so easy and we couldn’t be more grateful! We initially went with another broker but he was so knowledgeable, quick and happy to help us, alongside just being a great guy. H... See more

Rated 5 out of 5 stars

Stephen Donoghue has been incredibly helpful and kind throughout our process of securing a mortgage offer. Any questions we had, he was happy to help, anlways picked up the phone, and we felt immensel... See more


Company details

  1. Mortgage Broker
  2. Finance Broker
  3. Income Protection Insurance Company
  4. Insurance Broker
  5. Life Insurance Agency

Written by the company

Mortgage Brokers - Town & Country Mortgage Services Ltd have been providing expert mortgage advice in Luton and across the UK for over 20 years. Our job is to save you money, by finding the best mortgage deal and insurance cover for you, providing value for money and meeting your expectations at every opportunity. https://tandcmortgages.co.uk/?gclid=EAIaIQobChMIr4eAl9qR-wIVmeR3Ch1InwQEEAAYASAAEgKdu_D_BwE


Contact info

5.0

Excellent

TrustScore 5 out of 5

1K reviews

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5.0

All reviews

(1,272)

117 reviews in the last 12 months

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Rated 5 out of 5 stars

Excellent service from Gary & Sommer

I’ve been using T&C mortgages for a number of years now and have just moved property which they’ve helped advise and agree the mortgage for. Gary and Sommer have been extremely attentive, offered well balanced advice and are very well organised. They made the whole process very smooth and straightforward - thank you! Would definitely recommend.

25 August 2026
Unprompted review
Rated 5 out of 5 stars

I have had a great experience working…

I have had a great experience working with the team, extremely knowledgeable and help each step of the way with buying my first property. They also gave a great insight into insurance and helping me understand better. I would recommend to anyone !!

9 September 2026
Unprompted review
Rated 5 out of 5 stars

Top class service

Lewis and Mitchell have been absolutely top class. They’re extremely knowledgeable and took plenty of time to explain everything clearly, so we fully understood what we were signing up for and the different options available to us.
They were always easy to reach, communication was excellent throughout, and we never felt rushed or pressured. I’d highly recommend Town & Country Mortgage Services.

7 September 2026
Unprompted review
Rated 5 out of 5 stars

Excellent service

Stephen has been so helpful through our whole journey and we can’t thank him enough. We would definitely recommend these services to anyone looking.

1 September 2026
Unprompted review
Rated 5 out of 5 stars

Town and country have been excellent…

Town and country have been excellent help with my mortgage application. Special mention to Natasha Daley, for superb communication and making the mortgage application process as simple as possible for me as I am first time buyer. Would highly recommend!

1 September 2026
Unprompted review
Rated 5 out of 5 stars

Absolutely amazing

Absolutely amazing. Massive thanks to Mitchell Topp and Lewis Caygill. Very much relaxed experience and all I had todo was sit back and enjoy the journey. Cheers guys. Would recommend them anyday!!!

27 August 2026
Unprompted review
Rated 5 out of 5 stars

Mortgage aplication with Lewis and Mitchell

We were lucky enough to have l Lewis and Mitchell to manage our mortgage application for us.
We had quite a few stumbling blocks along the way both but highly professional and supportive ensuring every issue was resolved quickly.
They were fast to respond to correspondence and kept us fully informed along the way.

10 out of 10 for these chaps. Thoroughly recommend their services.

26 August 2026
Unprompted review
Rated 5 out of 5 stars

Excellent Service

Town and Country have been very attentive and informative. Quick to respond to emails and have explained things in detail during calls, never making me feel rushed or like any question was silly! Thank you especially to Gary and Sommer.

21 August 2026
Unprompted review
Rated 5 out of 5 stars

Best broker service

Been using Town and Country for years and cannot fault them. Gary and Sommer are like the dream team - super knowledgeable and efficient, no matter what I throw at them they deliver the goods - just had another 2 mortgage offers arrive in double quick time. Highly recommended

21 August 2026
Unprompted review
Rated 5 out of 5 stars

Brilliant service

We were referred to Town and Country through our property developer on a Sunday. The same day Lewis was in touch with us to discuss our case and within days we had an agreement in principle sorted. Lewis was very responsive and efficient. We had met with other independent advisors prior to this who took weeks to get back to us and we were losing faith until we were referred to Lewis. Highly recommend

13 August 2026
Unprompted review
Rated 5 out of 5 stars

Couldn’t have had a better experience.

Couldn’t have had a better experience.
Stephen Donoghue was my mortgage broker and he went above and beyond to ensure I had a pleasant experience during a stressful time. He searched around multiple lenders and found the most suitable one for me. Any queries I had were answered with urgency and any information and advice I needed was given. Very professional, I will certainly use them again if I decide to relocate.

1 July 2026
Unprompted review
Rated 5 out of 5 stars

first-time home buyers

As first-time home buyers, who were on a tight timeframe to obtain a new house, my husband and I were completely overwhelmed and didn't understand how the mortgage process worked at all. Stephen was an absolute lifesaver! He took the time to explain every single detail in full and guided us through every step of the way.
​He was patient, incredibly responsive, and always available to answer our endless questions without making us feel silly. Thanks to him, we felt confident and well-informed throughout the whole process.
​If you're buying a home, especially if it's your first time, I couldn't recommend Stephen highly enough!

6 August 2026
Unprompted review
Rated 5 out of 5 stars

A fantastic service for over 10 years!

We have used Town & Country Mortgage Services for about 10 years, during which they've helped us secure mortgages for three different properties. We honestly can't recommend them highly enough.

They are always friendly, incredibly efficient, and nothing is ever too much trouble. They consistently go above and beyond, often replying outside normal office hours, which has been invaluable during what can be a stressful process.

Having Gary and Sommer deal directly with the mortgage providers takes away so much of the pressure and uncertainty. Their knowledge and expertise are outstanding, and they've always taken the time to explain everything clearly and find the best solution for our circumstances.

We're incredibly grateful for all of the help over the years. Their professionalism, responsiveness, and genuine commitment to their clients are second to none.

Nothing but praise from us - we wouldn't hesitate to recommend them to anyone looking for exceptional mortgage brokers.

26 July 2026
Unprompted review
Rated 5 out of 5 stars

We have always used Town and Country…

We have always used Town and Country for our mortgages, the transition is smooth from start to finish. Michael was available at all times for any queries I had and always put my mind at ease, explaining every step of the way. Thank you again for all of your help!

22 July 2026
Unprompted review
Rated 5 out of 5 stars

Incredible service

I cannot recommend Lewis at Town and Country Mortgages highly enough. From start to finish, he has been absolutely outstanding.

My mortgage application was far from straightforward, particularly as it was for a shared ownership property, but Lewis never gave up. He persevered through every challenge and worked incredibly hard to secure my mortgage, even when things became quite complicated. His professionalism, knowledge and determination were exceptional throughout.

As a first-time solo buyer (and only my second property purchase), the process felt quite daunting at times. Lewis made a huge difference by explaining everything clearly, keeping me updated at every stage, and always responding to emails promptly. I never felt left wondering what was happening, which gave me so much confidence and reassurance throughout the process.

Lewis genuinely went above and beyond, and I honestly don't think I would have had the same experience with anyone else. He is a real asset to Town and Country Mortgages, and I am incredibly grateful for all of his hard work, patience and support.

If you're looking for a mortgage broker who is knowledgeable, responsive, persistent and genuinely cares about getting the best outcome for their clients, I wouldn't hesitate to recommend Lewis. Thank you for making what could have been an incredibly stressful experience so much easier.

13 July 2026
Unprompted review
Rated 5 out of 5 stars

Lewis & Mitchell have been great from…

Lewis & Mitchell have been great from the very start of this process, have always answered queries quickly and have taken time to go through details and explain how things work where required. I would definitely recommend them to anyone requiring a mortgage.

1 July 2026
Unprompted review

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