Town & Country Mortgage Services Ltd Reviews 

1,265
TrustScore 5 out of 5

5.0

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Review summary

Created with AI, based on recent reviews

Considering 120 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the dedicated staff for being exceptionally helpful, knowledgeable, and approachable during every stage of the mortgage journey. Many people mention that advisors provide clear, thorough explanations, which helps first-time buyers feel confident and well-supported. Some people also felt that the remarkably fast response times and proactive communication were major highlights of the service. Reviewers frequently appreciate that advisors remain readily available outside of standard business hours to resolve urgent issues and answer questions. Buyers note that overall user experiences are smooth, efficient, and completely tailored to handle unique financial situations.

What people talk about most

Staff

Consumers find staff to be positive, highly knowledgeable, and efficient throughout the mortgage process.... See more

Service

Customers report widespread satisfaction and appreciation for the exceptional mortgage service. Reviewers... See more

Customer service

Reviewers mention positive feedback about customer service, highlighting exceptional communication and prompt... See more

Response time

Customers consistently note positive experiences with response_time, praising the fast turnaround times and... See more

User experience

People report positive experiences with user_experience, noting that the mortgage process is surprisingly... 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

(1,265)

119 reviews in the last 12 months

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Rated 5 out of 5 stars

Shared Ownership Mortgage

As a first time buyer with very little understanding about shared ownership or buying a house in general, I am extremely grateful to Stephen for being so patient and thorough in his explanations.
Considering my husband has just started a new job and I am on maternity leave, it can't have been easy to secure us a mortgage but he did it!

5 June 2026
Unprompted review
Rated 5 out of 5 stars

Great advice and support

They provided great advice from the outset and some practical suggestions as what might be the right mortgage for me. Friendly service and supported me through a tight time frame to achieve my goals.

1 May 2026
Unprompted review
Rated 5 out of 5 stars

Great service

Great service. Very clear and open on what my options were and kept me informed along the way.
And importantly now looking to move into a new home!

29 May 2026
Unprompted review
Rated 5 out of 5 stars

Friendly, reliable and knowledgeable service

Stephen made the whole mortgage process feel much less stressful. He was friendly, professional, and explained everything clearly, which really helped me feel confident throughout. He was always quick to respond to any questions and kept me updated at every stage, so I always knew what was happening.

What stood out most was how approachable and supportive he was. He took the time to make sure I understood all of my options and helped me find the best one for me. The communication and guidance throughout were excellent, and I really appreciated how smooth and straightforward he made the whole process.

21 May 2026
Unprompted review
Rated 5 out of 5 stars

The whole experience was quick and…

The whole experience was quick and painless, Lewis and Mitchell searched and sorted out the mortgage and made the whole experience stress free. We was kept informed at every step of the way and everything was explained - would highly recommend and would absolutely use them again in the future

7 May 2026
Unprompted review
Rated 5 out of 5 stars

Fantastic service

Stephen has been fantastic throughout, he was reassuring and helped in every way possible.
He made the whole experience non stressful, he kept strong communication throughout.
I can highly recommend him to help with your mortgage.
Great service, smooth application.

20 May 2026
Unprompted review
Rated 5 out of 5 stars

First rate advice

First rate advice, service, follow up and responsiveness. Gary Whitehead and Sommer White especially provided us exactly what we needed and with great efficiency.
Thanks to you both and recommend your services for sure.

16 March 2026
Unprompted review
Rated 5 out of 5 stars

Excellent service

Michael at Town & Country provided an excellent service and kept me informed from start to finish. He throughly advised me on all options and also made me aware of timescales. I am really pleased with the service and delighted to have had a mortgage offer. Would recommend!

16 May 2026
Unprompted review
Rated 5 out of 5 stars

Dilligent, reliable, communicative

We have used T&C for many years now, in simple terms they take the hassle out of sorting out a new mortgage fix when it comes up for renewal. Dilligent and very easy to work with - someone is always available to jump on a call and explain everything we need to know in plain English. Would highly recommend.

14 May 2026
Unprompted review
Rated 5 out of 5 stars

Great broker experience!

Michael Caldwell was my Town and Country broker. He was professional, attentive and incredibly responsive. He took the time to explain everything about the mortgage process (as a first time buyer this was invaluable to me) and was really clear and considerate. More than anything I genuinely am just so impressed at how quickly he replied and how good the support was from Michael. I had a few instances where there was some urgency to getting an application in and he was super quick to help. Really could not recommend Town and Country enough!

1 April 2026
Unprompted review
Rated 5 out of 5 stars

Proactive and trustworthy

We have had the pleasure of using Town & Country's services several times over the years whenever we have had to remortgage, and have been fortunate to do so. The team is friendly, takes time to explain the various offers to you, and more importantly is incredibly proactive in chasing down the best possible deal and informing you when a better offer is available.
True professionals I would recommend in a heartbeat.

15 April 2026
Unprompted review
Rated 5 out of 5 stars

I had a great experience working with…

I had a great experience working with Stephen Donoghue at Town and Country Mortgage. He was incredibly helpful and efficient throughout the entire process. Stephen kept me fully updated at each stage and communicated clearly, answering all my questions promptly. I always felt informed and supported. I’d highly recommend Stephen and the team at Town and Country Mortgage to anyone looking for a reliable, professional mortgage advisor. Thank you for making everything so smooth!

6 May 2026
Unprompted review
Rated 5 out of 5 stars

I’d definitely recommend T&C

I had a great experience with Town & Country Mortgage Services. The entire team is professional and knowledgeable, especially Lewis Caygill and the company director, Gary Whitehead. They really took the time to understand my situation and needs. Securing a mortgage can be stressful, but they made the whole process feel straightforward and manageable.

Communication was clear throughout, and they were always available to answer questions and explain everything in a way that was easy to understand. Thanks to their expertise and persistence, they successfully secured a mortgage that suited my needs perfectly.

I’ve been working with T&C since 2015, and their consistent support over the years has been invaluable. I’d definitely recommend them to anyone looking for reliable and supportive mortgage advice.

1 May 2026
Unprompted review
Rated 5 out of 5 stars

Stephen was an exceptional advisor

Stephen was an exceptional advisor, he was honest and ensured I knew what my options were when applying for a mortgage, his communication was fantastic keeping me updated every step of the way! He was friendly and worked really hard to get a mortgage offer for me. As a first time buyer this part of the process was smooth and I knew what to expect every step of the way! Thank you Stephen! I would highly recommend if you are looking for a mortgage to get in touch with Stephen!

1 May 2026
Unprompted review
Rated 5 out of 5 stars

We worked with Stephen and he has been…

We worked with Stephen and he has been excellent through the whole process, kept us updated and made everything as smooth as possible. He took the time to make sure we understood everything and was happy to explain anything we didn’t understand. We would absolutely recommend Town & Country Mortgages.

28 April 2026
Unprompted review
Rated 5 out of 5 stars

I have quite a unique situation and…

I have quite a unique situation and have been working hard to get to the point I was able to apply for a mortgage. It didn’t quite work out for me last year but I followed Michael’s advice and applied again in March and have now received the news I have been waiting for - a mortgage agreement! I couldn’t be more happy! Michael and Mitchell have been very helpful there were a lot of documents to gather and send to the lender but I was kept updated along the way and received prompt responses to all of my queries. I couldn’t be more happy to have used Town and Country they have literally made my dream come true and I will now finally own my own home! Thank you so much for everything!

21 April 2026
Unprompted review
Rated 5 out of 5 stars

Excellent experience with Town & County

I had an excellent experience working with Michael at Town & Country Mortgage Services Ltd. From start to finish, he was professional, knowledgeable, and incredibly supportive throughout the entire mortgage process.

Michael kept me well informed at every stage, explained everything clearly, and made what can often be a stressful process feel smooth and straightforward. He was always quick to respond to any questions and went above and beyond to ensure everything was handled efficiently.

Thanks to his expertise and guidance, I was able to secure my mortgage with confidence. I wouldn’t hesitate to recommend Michael to anyone looking for reliable and friendly mortgage advice.

Thank you again for all your help!

21 April 2026
Unprompted review
Rated 5 out of 5 stars

Mr. Serkan

Hi Lewis, Town and Country mortgage services Ltd this mortgage advisor was very helpful to me; they resolved any issues I had, processed my application very quickly, and got it approved. I'm really happy about that.

22 April 2026
Unprompted review

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