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

Dealing with our Mortgage Consultant…

Dealing with our Mortgage Consultant Michael Caldwell has been very easy when you consider it’s been in a stressful environment and time.

He’s made it as easy for both of us as possible whilst making the service incredibly thorough, personal ans informed as possible, communicating to us endlessly through the process.

A1 would recommend Michael and T&C mortgage services due to his work alone.

20 April 2026
Unprompted review
Rated 5 out of 5 stars

A smooth and clear process of…

A smooth and clear process of re-mortgage with Stephen Donoghue who explained each step of the process with heads-up for each call or process to complete. You don't find too many people in these day's to spend the weekend working on your case and making sure that I am clearly informed and updated of each steps and changes.

10 April 2026
Unprompted review
Rated 5 out of 5 stars

Highly recommend

Stephen Donoghue has made the process of getting a mortgage agreed so easy for us, especially with the current war heavily affecting mortgage rates. Any questions we had, he was able to answer and always made himself available around our schedules. Highly recommend!

28 March 2026
Unprompted review
Rated 5 out of 5 stars

Gary and Sommer were so professional…

Gary and Sommer were so professional and available at all times to help with my situation. I contacted Gary as I needed to know how much I could borrow in order to buy my house during a separation. Honestly the support I got was amazing and he reassured me I absolutely could manage it. They made the whole process so easy. I will be returning in 3 years when I fixed rate is over. Thanks guys.

1 April 2026
Unprompted review
Rated 5 out of 5 stars

100% recommend

As first time buyers, we were quite overwhelmed with lots of questions, but Stephen was incredibly helpful and friendly through the whole process. Would highly recommend.

19 March 2026
Unprompted review
Rated 5 out of 5 stars

Superb Stephen

We have nothing but positive words to say. Stephen Donoghue represented the company excellently and professionally. Stephen was quick, informative and most importantly a really great person. What we expected to be a drawn out process, turned out to be extremely smooth and fast. We are delighted with our outcome and would like to thank Stephen again.

28 March 2026
Unprompted review
Rated 5 out of 5 stars

Home of Mortgage & Financial Services

I’ve been using Town & Country Mortgage Services for over 20 years, and they are honestly brilliant. Gary and Andrea lead an incredible team, with a special shout-out to Sommer for being so helpful with my latest request. They really take the time to understand what you need and offer the kind of support that’s hard to find these days. I can genuinely endorse them as a top-tier business that always has your back, they’re professional, supportive, and just great at what they do!

Please don't hesitate to get in touch with this excellent team for any of your financial needs.

25 March 2026
Unprompted review
Rated 5 out of 5 stars

I had a really good experience working…

I had a really good experience working with Michael Longley as my mortgage broker. He made what could have been a pretty stressful process feel straightforward and manageable.

He was always clear in how he explained things, breaking everything down so I actually understood what was going on and what my options were. Communication was great throughout — he kept me updated and was always quick to answer any questions.

Most importantly, he helped me secure a really good deal, which I’m genuinely pleased with. I’d definitely recommend Michael to anyone looking for a mortgage broker who knows what they’re doing and keeps things simple and transparent.

19 March 2026
Unprompted review
Rated 5 out of 5 stars

Fantastic

Michael dealt with me and was fantastic, nothing was too much of a problem for him and he managed to sort out my offer despite issues from the lenders and was transparent the whole time.

Very friendly and would recommend him and town and country to anyone.

Thanks Michael

19 March 2026
Unprompted review
Rated 5 out of 5 stars

Could not recommend more!

Michael Longley was our mortgage broker and from start to finish, he was wonderful! He secured us an AIP quickly and always answered any questions we had promptly.
Our lender took a while to complete the assessment and issue us an offer, making an error along the way, but Michael stayed in constant communication with us and went the extra mile to secure us an offer and overturn the error very quickly.
I could not recommend Michael enough and Town & Country themselves were always quick to respond and help in any way they could - alongside securing us fantastic insurance deals!

19 March 2026
Unprompted review
Rated 5 out of 5 stars

We have been to Town & Country…

We have been to Town & Country Mortgages several times now when looking for and getting a mortgage and they never disappoint. They are reliable, fast working and have great communication and follow up. We will definitely continue to go to them in the future and we highly recommend.

17 March 2026
Unprompted review
Rated 5 out of 5 stars

Thanks Stephen for his exceptional…

Thanks Stephen for his exceptional mortgage advice. His in-depth knowledge and supportive approach made the process straightforward and stress-free. He's a dedicated advisor who prioritises his clients' needs.

16 March 2026
Unprompted review
Rated 5 out of 5 stars

Raving fan!

We previously used Lewis Caygill and his team for a mortgage on another property, which is why we didn’t hesitate to come back to them again this time. Once again, the service has been excellent. Lewis and the team were professional, responsive and made the whole process smooth and straightforward from start to finish. Communication was clear throughout and everything was handled efficiently, which really took the stress out of the process.

We’d happily recommend Lewis and his team and will definitely use them again in the future. Thanks again for the great work!

9 March 2026
Unprompted review
Rated 5 out of 5 stars

Excellent service. A man of his word.

I'm new to the business of applying for a mortgage. Stephen was very patient with me, and kept me updated throughout the process. Stephen was informative, friendly, and like the advertisment used to say "does what it says on the tin". Previously I had appointments with other advisors. They were not a patch on the excellent service I received this time. If Stephen said that he would do something, he did it.

13 February 2026
Unprompted review

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