In this brief blog, we will discuss the legal and general mortgage club and how they can help you run an efficient mortgage business.

What is Legal and general mortgage club?

Legal and general mortgage club is a mortgage club in the UK. Legal and general mortgage club is the largest mortgage club in the United Kingdom. It is also the largest running mortgage club in the United Kingdom. Legal and general mortgage club are involved in about 30% of the mortgages that are transacted in the intermediary mortgage market.  They are consequently involved in one in five mortgages in the United Kingdom.

The legal and general mortgage club has been around in the United Kingdom for the past twenty-five years and they have done about five hundred billion pounds of mortgages since they have been in the intermediary mortgage market.

The legal and General mortgage club is focussed around providing its mortgage and insurance advisers with the best tools they need to be more productive and ensure they are trading in a compliant manner which ensures they can operate at their most optimal level.

By working with the legal and general mortgage club as a directly authorised firm or an appointed representative firm you will have access to special deals from mortgage lenders and insurance providers.

The mortgage club also runs a host of events for its appointed representative members and directly authorised members.

Mortgage lenders

Legal and general mortgage club also works with the mortgage lenders in order to provide mortgage criteria which allow the mortgage brokers and insurance brokers to be able to find the most suitable mortgage or insurance products which are available on the market and match the consumer’s current circumstances.

The legal and general mortgage club has access to over 95 mortgage lenders who offer a range of high street products as well as nice products.  Before you can start getting access to the lenders on the legal and general mortgage club panel you will have to register with each lender you want to use and select the legal and general mortgage club as your payment route.

Legal and general mortgage club also provide instructions on how to register with each mortgage club from this link.  This makes it much easier for mortgage brokers who are new to the industry to find their way around registering with the mortgage lenders on the panel without too much hassle.

Procuration fees

Legal and general mortgage club offers some of the best procuration fees on the mortgage intermediary market. They will pay the fees on the exchange of contracts and this means you can better manage your cash flow situation better as you will have greater certainty on when you will be paid after you have completed a mortgage.

If you have a procuration fee which you are expecting you can simply enter the details on the procuration fee form on the website and this request will be passed on to the procuration team who will chase up your procuration fee on your behalf.


Smart criteria is a product which legal and general mortgage club  launched in order to make their mortgage brokers much more competitive in contrast to other mortgage clubs and networks out thereby allowing them to match the right mortgage and insurance products to their customers based on the customer’s current circumstances and the products eligibility criteria.

On its website, it states “ Benefits for Brokers

Over 390,000 criteria outcomes from more than 95 lenders.

Easy to view outcome sheet, enables you to gauge whether a lender will look at your customer’s case.

Benefits for Lenders

SmartrCriteria will help steer new brokers towards you if their case is one you accept.

If a case is not something you would accept, the system will steer traffic away, leaving your communication lines open for more potential cases.

We have a 35% market share of the intermediated mortgage business.”

If you are currently working under the mortgage club you can access smartcriteria by simply registering and you will find it in your hub.

How to contact the legal and general mortgage club

Mortgage Support Services 01226 230504 (lines are open between 9am and 5.30pm)

Registration Queries

Procuration Fee Queries 0370 900 5010 (lines are open 9am to 5pm)

or email Legal and general mortgage club at

In this brief blog, we discussed the Legal and general mortgage club. If you have any questions or comments please let us know below.

If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.

You can also contact the debt charity “Step Change” if you are in debt and need help.

John Bate

John has 22 years of experience in financial services. This spans across financial research, financial services (As a qualified mortgage broker and underwriter), financial trading and sales at global investment banks. While working as a publishing research analyst, he covered European bank credit and advised institutional clients on investment strategies at both JP Morgan and Societe Generale. John has passed all three levels of the CFA (Chartered Financial Analyst) programme.