For most residential purchases, lenders typically ask for 5–10% deposit (more can unlock better rates). In London, higher prices often mean aiming for 10–15% to widen lender options. We’ll show you the trade-off between deposit size, monthly cost, and lender choice for your target postcodes.

Yes. We can issue a soft-search Mortgage in Principle in minutes, so you can view and offer with confidence. It won’t impact your credit score and is accepted by London estate agents as proof you’re a serious buyer.

Affordability is based on verified income, debts, and outgoings. London buyers often use bonuses, RSUs, or variable pay—many lenders will consider these with the right packaging. We’ll calculate a realistic range and match you to lenders who accept your income structure.

B2L lenders assess the rental income (and sometimes your personal income). Expect a minimum deposit of 20–25%. London yields vary by borough, so we’ll run lender stress tests against actual local rents and advise on limited-company vs personal ownership.

Usually, yes—subject to loan-to-value, affordability, and property valuation. Many clients remortgage to fund extensions, refurbishments, or debt consolidation. We compare whole-market fixed and tracker options and model your monthly payments before you commit.

Not if it’s packaged correctly. Lenders may use 1–2 years of accounts/SA302s, or day-rate contracts for contractors. London borrowers often have complex income (dividends, bonuses, multiple contracts)—we specialise in presenting this clearly to lenders who’ll accept it.

Typical costs include survey/valuation, solicitor, lender/product fees, and Stamp Duty (which can be significant in London). We’ll give you an itemised estimate up-front, plus a total cost of ownership view so there are no surprises.

Often yes, with the right lender. Expect potentially higher deposits and more documentation. We work with specialist lenders comfortable with recent or historic credit blips and will map a route that protects your long-term affordability.

It depends on your risk tolerance, plans, and cash flow. Fixes give payment certainty—useful for London’s higher monthly costs. Trackers can benefit if rates fall. We’ll model both paths over your time horizon (e.g., 2–5 years) so you can choose with confidence.

Speed comes from preparation: AIP in place, documents ready, responsive solicitors, and a broker who knows the lenders that move quickly. We coordinate the chain (agent, lender, solicitor) to help you exchange and complete as fast as your case allows.

Yes. Many London buyers are high earners but struggle with large deposits. We work with lenders offering 90–95% mortgages, even for high-value properties, helping you get on the ladder faster.

In most cases, yes. London’s market often involves larger loans, complex income, or competitive bidding. A specialist broker ensures you’re offer-ready, with a mortgage in principle tailored to your circumstances.

This depends on income, credit profile, and deposit. Use our affordability tools or speak to an adviser — we can run checks within minutes and give you a clear borrowing range.

Simply put, using a knowledgeable London mortgage advisor enhances your chances of finding the best mortgage rate. As we represent you and not the lenders, we can ensure that we search all the market and find the right product that fits your needs. Not one that either your current lender is telling you is best from their limited selection, or one that you believe is right for you without searching. With access to a market of over 23,000 mortgages, it is crazy to not select the right one and get an independent mortgage expert to do this for you. 

As Mortgage Brokers, we can secure the best rates in the market. However, we all know that the market is ever changing, and concern that you may lock in a rate that will reduce soon after. Do not worry, we can get you same day decision in principles and we can lock in rates. BUT – if the rates change whilst you are house hunting, or before completion, we can switch the product and reduce the rate to the new mortgage rates that have become available. 

Whatever your circumstances are, you can be sure that we have seen it. Not all Lenders like different circumstances, and out of the 23,000 products available, sometimes only a few are available to your needs. So it is imperative we find them.

Whether self-employed, limited company director, first time buyer or have bad credit… our mortgage broker team will ensure we approach the right mortgage lenders for you. Our mortgage brokers work with specialist lenders that offer deals not available on the high street and will deal with every case with a depth of knowledge and understanding you won’t find by going straight to the lender.

Get rid of the complexities and uncertainty. Use a mortgage broker to remove any stress, and worry that you are getting the right deal. Mortgages are of course a huge commitment – we let us make the process more simple, break down each step and look after the application process for you. 

Being a completely independent mortgage broker, our mortgage brokers have no affiliation with any particular lender.  We absolutely pride ourselves on our service, and that starts by listening to your needs and understanding your goals. Each mortgage deal can be packaged to fit your unique circumstances. 

We are qualified, experienced advisers that operation under the Financial Conduct Authority. We record our calls, we monitor our team – we ensure that our advisers are duty bound to stay on top of the market. This industry moves so quickly, so our knowledge must be current. We work tirelessly to ensure that our staff have the very best, hands on knowledge, to support your needs. 

We operate under Consumer Duty laws, and thus ensure all our customers get the same support and service, no matter your personal, professional and financial circumstances.