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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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

We had an excellent experience working…

We had an excellent experience working with Michael Caldwell and Oksana Koshmak while securing our mortgage. Michael is a highly knowledgeable mortgage advisor who guided us clearly and confidently through every step of the process. He took the time to explain all our options and ensured we understood everything before making decisions. Oksana was incredibly patient and attentive, always responding to my requests with care and professionalism. Together, they truly tried their best to help us secure the best possible mortgage. They are approachable, supportive, and dedicated. We are very grateful for their hard work and highly recommend them both.

2 March 2026
Unprompted review
Rated 5 out of 5 stars

I had an excellent experience with Stephen at Town & Country Mortgage Services

I had an excellent experience working with my mortgage consultant, Stephen Donoghue at Town & Country mortgage services. He was exceptional from start to finish — always helpful, incredibly knowledgeable, and consistently available whenever I needed him. I could easily reach him by phone, and he took the time to answer every question clearly and patiently.
What really stood out was how quickly he was able to find a suitable mortgage for me. He made what could have been a stressful process feel smooth and straightforward. I wouldn’t hesitate to recommend him to anyone looking for reliable and professional mortgage advice.

19 February 2026
Unprompted review
Rated 5 out of 5 stars

Great support for first time buyers

They were supportive, honest and thorough throughout the process. They kept in close contact throughout, many my experience as a first time buyer much less overwhelming than it could have been. Michael kept an eye on rates throughout and was committed to making sure I get the best one. Highly recommend for first time buyers.

13 February 2026
Unprompted review
Rated 5 out of 5 stars

Stephen Donoghue was excellent from…

Stephen Donoghue was excellent from start to finish , he was very prompt at getting everything he needed to get our mortgage sorted quick , he was always great with communication even if there was nothing to give he would just touch base so we felt like we knew he was still working on things even when it went abit quiet. He has been amazing with getting us the mortgage we needed and very prompt with doing so.

I would highly recommend Stephen to anyone looking for a mortgage.

13 February 2026
Unprompted review
Rated 5 out of 5 stars

Great experience

Stephen from T&C was absolutely fantastic with me and my partner (first time buyers). At first we spoke with two mortgage brokers, one of which was semi helpful and one was fairly useless - both also more than double the price. Was recommended to T&C from a family member, call back the next day, everything moved so smooth and we have our official mortgage offer through today. Really swift, impeccable communication, and made as stress free as humanly possible by a very helpful chap! Would choose T&C everytime now. In comparison to the other two brokers (both big companies) Stephen was far quicker and got us a much better deal than either. Save your money, your time time, and your stress with T&C.

13 February 2026
Unprompted review
Rated 5 out of 5 stars

We had an excellent experience with…

We had an excellent experience with Charlotte and Mitchell at Town and Country Mortgage Advisors. From start to finish, they were professional, knowledgeable, and incredibly supportive throughout the entire mortgage process.

Charlotte was patient, clear, and always happy to explain things in a way that made everything easy to understand, while Mitchell was equally helpful and responsive, ensuring everything moved along smoothly. Their communication was outstanding — I always felt informed and reassured.

What really stood out was how approachable and genuinely helpful they both were. Nothing ever felt like too much trouble, and they made what can be a stressful process feel straightforward and manageable.

we wouldn’t hesitate to recommend Charlotte and Mitchell to anyone looking for trustworthy, friendly, and highly competent mortgage advisors. Thank you both for your fantastic help!

12 February 2026
Unprompted review
Rated 5 out of 5 stars

Amazing services

Lewis has been amazing at keeping me informed, giving me all key information very clearly, and keeping me and up to date with everything and both him and Mitchell have been very prompt in getting back to me and extremely helpful.

11 February 2026
Unprompted review
Rated 5 out of 5 stars

Complex FTB's - T&C are fantastic!

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 we'd be able to get a mortgage at all but the whole process has been so quick and straightforward. Michael managed to find us one of the lowest rates on the market today, despite our complexities. Highly recommended!

10 February 2026
Unprompted review
Rated 5 out of 5 stars

Many thanks to Lewis & Mitchell!

Lewis & Mitchell have been absolutely amazing!
As first time buyers we were pretty overwhelmed with how much there was to get our heads around. After a talk on the phone with Lewis, he explained everything. Not only mortgage options, but the whole buying process, from Solicitors, to surveyors. Mitchell made getting the mortgage super simple as well, very quick and responsive to every question we had!

Highly recommend for anything to do with buying a property.
Thank you!

27 January 2026
Unprompted review
Rated 5 out of 5 stars

We dealt with Stephen at town & country…

We dealt with Stephen at town & country mortgages. He was always honest and kept in regular contact with us. We appreciate his efforts in securing us a lender and would recommend especially for people with limited knowledge in mortgage applications.

22 January 2026
Unprompted review
Rated 5 out of 5 stars

I've worked with Gary on several…

I've worked with Gary on several properties and he and his team have always been wonderfully responsive and super helpful in finding a mortgage that worked perfectly for our unique situation. He also explained exactly what we needed to know in advance of every decision. Would highly recommend using him and his team.

14 January 2026
Unprompted review
Rated 5 out of 5 stars

Mortgages, Demystified

Stephen is very communicative and well-informed. He has made it his responsibility to ensure we get the mortgages we need to be in the position we want, for the next chapter in our lives.

24 December 2025
Unprompted review
Rated 5 out of 5 stars

Great job, Lewis!

It was absolutely fascinating to deal with Lewis Caygill. He spent as much time as needed (and often more than needed) on our calls having patience with me asking dumm questions and providing thorough explanations. He always returned my emails with fast turnaround and always found time to call me back when necessary. In the re-mortaging process, whenever it came to a setback, Lewis always came up with an idea how to get round it often going an extra mile to find a solution. I can't recommend anyone more than him, as at the end of the day Lewis was my saviour having the re-mortgage done on time despite the laziness of solicitors. Great job!
Thanks, Eugene

31 March 2025
Unprompted review
Rated 5 out of 5 stars

Brilliant service

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. He secured us a mortgage very quickly, do not hesitate to go with Michael!

12 December 2025
Unprompted review
Rated 5 out of 5 stars

Mortgage

Town & Country Mortgage Services are fantastic! Michael and Sommer have been amazing in supporting me and my husband purchasing our next family home and we cannot thank them enough for the time and effort they have put into getting us a mortgage. This is the second time using Town & Country and we wouldn’t use anyone else now.

12 December 2025
Unprompted review

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