Mortgage broker · Greater London
Mortgage Broker in London
Mortgage and protection advice for London buyers, movers, professionals and landlords. We compare 90+ lenders and meet in Croydon, at your home or over Zoom.
- 90+ lenders compared
- No-obligation initial consultation
- Meet in person or by Zoom
Mortgage advice built for London property
London prices mean larger loans and tighter affordability, so the lender you choose matters more here than almost anywhere else in the UK. Some lenders offer higher income multiples to professionals and higher earners, and others take a more generous view of bonuses, overtime or a second income. We start by finding the lenders that will lend the most on your real income, before you make an offer.
Much of London's housing is leasehold, from purpose-built blocks to flats in converted Victorian houses. Lease length, ground rent and service charges all affect what a lender will offer and what the property costs you each month, and taller buildings can need building safety paperwork before a lender will proceed. We check these points early so they do not hold up your purchase later.
London also has more contractors, self-employed clients and company directors than most places, and many landlords letting to professionals. Several London boroughs run their own landlord licensing schemes, which we factor in when we arrange buy-to-let finance.
How we help in London
First-time buyers
Deposits from 5%, gifted deposits and lenders that suit London prices.
Larger loans
Higher income multiples for professionals and higher earners.
Contractors
Day-rate income for City, tech and consulting contractors.
Buy to let
Finance for single lets, limited companies and portfolios.
Services for London clients
Areas near London we cover
As well as London, we regularly advise clients in:
Meetings are available at our office at Airport House, Purley Way, Croydon, at your home, or over Zoom. Get in touch to arrange a time.
London mortgage questions
Yes. We advise clients across London. Our office is at Airport House on the Purley Way in Croydon, and most London clients meet us by Zoom or at home, so where you live in London makes no difference to the service you get.
Most lenders lend around 4 to 4.5 times income, but some go higher for professionals and higher earners, subject to their affordability checks. Bonuses, overtime and service charges all change the figure, so we check it against real lender criteria rather than a single multiple.
It can. Lenders look at how many years are left on the lease, the ground rent and the service charge, and some will not lend on short leases. We check the lease before you commit so there are no surprises once your offer is accepted.
We may charge a broker fee for mortgage advice depending on your circumstances. A typical fixed fee is £479, payable on offer, and the fee is always confirmed before you proceed. Your first conversation with us is without obligation.
Speak to a mortgage adviser about London
Book a no-obligation consultation in person or by Zoom.