London Mortgage Advisers

London Mortgage Advisers

Are you thinking about taking a mortgage in London and wanting to know about London mortgage advisers? This page should help.

Do London mortgage advisers only arrange mortgages in London?

When we use the term London mortgage adviser, we refer to mortgage advisers based in and around London. There are many mortgage advice firms based within our capital city and the outskirts.

A large amount of their business is likely done with people that live or are looking to live in London. However, mortgage advisers can do business with people that are based in different locations.

It may be possible that there is a mortgage brokerage in London back arranges a lot of holiday let mortgages. If so, they may have many clients from all over the country that own properties in a holiday let locations. Popular holiday let spots are places such as Cornwall, Dorset and Devon.

That said, if a London mortgage adviser is seeing people on a face-to-face basis, most of their transactions are likely with people located close by.

if you wish to buy or remortgage a property in London and wish to have a face-to-face mortgage appointment, you should look for a London mortgage adviser.


An expert mortgage adviser on the phone speaking to a customer

Is London a good place to live?

London is a very popular place to live. Not only do the locals love it, but millions of people also flock to our capital city every year just to enjoy the sights.

There is always so much going on in London with no end of things to do. As a result, a huge amount of people love to call it home never wishing to leave.

London has brilliant transport links, so you do not need to live in the centre to be able to access it quickly. With a mixture of buses, tubes, and an overground railway on Thames Clipper boats, it can be very easy to get around.

Not only is it an enjoyable place to live, but the property has also been stable over a long period. Many foreign investors have bought properties in London along with UK residents which have resulted in property continuing to go up over the long term.

This has however made London a hard place for some first-time buyers to get on the market with the continuing increase of prices around the capital city.

About London

Chances are, if you are looking for a London mortgage, you already know a lot about the location. For anybody that does not know so much about history, hopefully, the below information will be interesting.

London is the capital and most populous city of England and the United Kingdom, with a population of more than 9 million people.

The Greater London urban area is the second most populous in the European Union, after Paris, with more than 14 million people. The city’s metropolitan area is the most populous in the EU with more than 18 million people, and the city is also the most populous node of the Eurocity network.

London is a leading global city in the arts, commerce, education, entertainment, fashion, finance, healthcare, media, professional services, research and development, tourism, and transport.

It is the world’s largest financial centre and has the fifth- or sixth-largest metropolitan area GDP in the world.

London is a world cultural capital. It is the world’s most-visited city as measured by international arrivals and has the world’s largest city airport system measured by passenger traffic.

London’s universities form the largest concentration of higher education in Europe, and according to the QS World University Rankings, it has the fourth-best university in the world.

Office of London mortgage adviser

London has many spots located near the centre and on the outskirts not very popular amongst first-time buyers. It is hard to say which places are best as different people have different needs from a location.

However, three popular spots around London amongst first-time buyers are Tottenham, Croydon and Dulwich. Here is a bit of information about each place:


Tottenham is a district in north London, in the London Borough of Haringey. It is situated 8.2 miles north-north-east of Charing Cross.

It is bordered by the neighbouring boroughs of Enfield to the north and Waltham Forest to the east, and by the City of London to the south-east. It is home to the famous football club, Tottenham Hotspur.

Founded in 1882, Tottenham Hotspur competes in the Premier League. The club is based in Tottenham, north London, and its home ground is White Hart Lane.


Croydon is a town in Greater London, 9.5 miles south of Charing Cross.

It is the principal settlement of the London Borough of Croydon and is one of the largest commercial districts outside Central London.

Historically part of the hundred of Wallington in the county of Surrey, at the time of the Norman conquest of England Croydon had a church, a mill, and around 365 inhabitants, as recorded in the Domesday Book of 1086.

Croydon expanded in the Middle Ages as a market town and a centre for charcoal production, leather tanning and brewing.

The Surrey Iron Railway from Croydon to Wandsworth opened in 1803 and was the world’s first public railway. Nineteenth-century railway building facilitated Croydon’s growth as a commuter town for London.

By the early 20th century, Croydon was an important industrial area, known for car manufacture, metal working and Croydon Airport.


Dulwich is a district of south London, mostly in the London Borough of Southwark, with small parts of the western end of Dulwich in the London Borough of Lambeth.

Dulwich is south of the Thames and consists of East Dulwich, West Dulwich and Dulwich Village. If you include Herne Hill then it borders Brixton, Crystal Palace, Denmark Hill, Forest Hill, Peckham, Sydenham and West Norwood.

Dulwich was originally part of the historic county of Surrey. In 1865, the districts of Dulwich and Peckham were created within the area of the Metropolitan Board of Works. Dulwich is home to Dulwich College, Dulwich Picture Gallery and Alleyn’s School.

Happy mortgage broker giving free mortgage advice over the phone


Are London mortgage advisers able to give mortgage advice over the phone?

London mortgage advisers can likely give mortgage advice over the telephone, but different companies will have different procedures so best to check with them first.

As you do not need to be located close by to a mortgage adviser to get a good service, many people choose to use a mortgage adviser that works on the telephone rather than face to face as this can mean more convenience around appointments.

The reason for this is, by discussing your mortgage needs on the telephone, this removes the need for travel to and from a mortgage adviser’s office which may mean less time off work.

I NEED ADVICE work with mortgage advisers across the country that give mortgage advice over the telephone around your schedule.

If you feel you need a face-to-face mortgage appointment in London, it would be wise to look for a local company. If, however, you prefer to get mortgage advice over the telephone, we can match you with a mortgage adviser that can tell you your options.

If you would like this, please complete the contact form.

Do you get London mortgage advisers for bridging finance?

You get London mortgage advisers specialising in the bridging loan market.

Bridging loans are taken to finance properties that are unable to get a mortgage, property transactions that need to complete very quickly or to finance a purchase when an applicant is waiting for another asset to sell.

London mortgage advisers specialising in bridging finance will arrange these types of short-term bridging loans in both London and the rest of the country.

If you are looking for a bridging loan in London and want to talk to an experienced bridging loan professional, you should look for a company that has experience in transactions that are like yours.

You may find this type of professional by speaking with estate agents, regular mortgage advisers or other property professionals that have needed the same type of finance.

If you would like I need advice to match you with a national bridging finance adviser that can arrange bridging finance in London, please complete the contact form.

They will be able to tell you about your options over the phone with no obligation to proceed.

I’m thinking about making a buy to let mortgage in London. Should I use a London mortgage adviser?

If you are thinking about buying a buy to let property in London, you do not necessarily need your mortgage broker to be located there.

If you would like a face-to-face appointment, then it would make sense to look for a local mortgage adviser.

If a face-to-face appointment is not a priority and you would prefer to find out your mortgage options over the telephone, the location of your mortgage adviser is not so important. More important is their experience in arranging similar transactions.

If you would like I NEED ADVICE to match you with a buy to let mortgage adviser who can give you a free consultation over the phone, so you know your mortgage options, please complete the contact form.

Expensive house in London that has a mortgage

Is the London property market different to the rest of the UK?

The London property market is not necessarily different to the UK, however, properties in the past have sold quickly in London compared to some other parts of the UK.

The property market moves in cycles service is not the case all the time but in general, the London property market has been very strong.

When it comes to taking mortgages in London, some lenders can make certain allowances for properties that are in London compared with other parts of the UK.

For example, there are lenders that would allow a flat in a high-rise building which is based in London when they wouldn’t if it was based in another part of the country.

This is because they believe that a flat on the 20th floor of a building in Kensington should sell quicker than the equivalent one in another city, for example, Birmingham.

Another allowance that some lenders make for properties in London is flats above certain commercial premises, such as late-night takeaways.

Many lenders do not like these due to for smaller market when it comes to selling the property, however, some lenders can be more lenient if the property is in London.

Again, this is because they believe that it may be easier to sell if they needed to take possession of the property.

The lender’s criteria are complex and can change regularly. It is best to find a qualified, experienced mortgage adviser who can tell you whether the property you are considering will qualify for a mortgage.


Mortgage advisor giving mortgage advice


London can make a wonderful place to live and is very popular amongst the people there. Not only is it loved by the locals, but millions of tourists also visit the city each year with it being voted one of the best in the world.

As a result, over the years, the London property market has remained very strong. prices have continued to rise which has made it hard to get on the ladder for some people.

If you are looking to take a mortgage in London, you should always take professional mortgage advice.

You do not need your mortgage adviser to be in London to help you with a mortgage in that location.

if you would like I NEED ADVICE to find you a qualified, professional mortgage adviser to give you your options for taking a mortgage in London, please complete the contact form.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should consult a qualified professional.

You may also be interested in…


Because we know mortgages can be complicated if you go it alone.

Why match with a mortgage advisOr?

Orange Tick They are experienced, which can boost your chances of being approved.

Orange Tick They can guide you through the whole mortgage process.

Orange Tick They are able to access the whole market, including broker exclusive products.

Get Advice

Our matching service is free and there is no obligation to proceed with the advice.

By completing this form you agree to be contacted about your mortgage enquiry.


Evening Standard
Daily Record
Wales Online
The Sun

How does I NEED ADVICE work?

1st Stage how mortgage advice works

Fill out our quick form so we can match you with the perfect broker. It only takes a few minutes and won’t impact your credit score.

2nd Stage how mortgage advice works

We will match you to an expert mortgage advisor who can help you in your situation.

3rd Stage how mortgage advice works

An expert mortgage advisor will be in touch to guide you through every step of the process.


Calculate your monthly mortgage repayment.

Please note, this is a guide to how much you’d pay on a repayment mortgage, assuming your interest rate stays the same.

It’s important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errors.


“We struggled to make sense of the products available to us in the market on our own. Being put in touch with someone who could understand our circumstances was a huge help. Highly recommended.”

Wayne – Alton

“I was really happy with the mortgage advisor I was matched with. He was very helpful and explained things clearly.”

Tom – Woking

“The person I spoke to got in touch quickly and was able to work out an option for me which I didn’t think I had. Recommended.”

Scott – Selkirk

“My mortgage broker has been really helpful, always responsive, recommended.”

Alastair – Weybridge

“Really useful service, very knowledgeable broker, clearly explained my options”

Charlotte – Addlestone

“Received a call back very quickly from friendly advisor who explained my options… very happy with service.”

Shannon – Leatherhead