Mortgage Broker for London Clients
Mortgage advice for London buyers, homeowners and landlords, by phone and video call, from an independent adviser based in Essex.
Buying or borrowing in London brings its own questions: higher prices, leasehold flats, service charges, and lenders who treat some properties differently from others. Whether you are buying your first home, moving, remortgaging or investing in a rental property, the right mortgage depends on your own income, deposit and plans.
BestQuote Mortgages and Loans is an independent mortgage broker based in Dunmow, Essex. We work with London clients by phone, email and video call. We explain your options in plain English, tell you what we would recommend and why, and stay in touch from the first call until the funds are released.
How we can help in London
Buying and borrowing in London
A large share of homes in London are flats, and most flats are leasehold. Lenders check the length of the lease, the ground rent and the service charge, and some will not lend on a short lease, so it is worth checking those details before you make an offer. Higher prices also mean the size of your deposit and the way a lender assesses your income matter more.
Landlords and investors face their own checks, including how lenders assess rental income and whether you buy personally or through a limited company. If you are remortgaging, it is worth reviewing your options before your current deal ends, and we can explain the costs involved.
Frequently asked questions
Do you have an office in London?
No. Our office is at 5 Cawbeck Road, Little Canfield, Dunmow, Essex, CM6 1FY. We advise London clients by phone, email and video call, and we can arrange to meet if you prefer.
Can you help with leasehold flats?
Yes. Many London homes are leasehold, and lenders look at the lease length, ground rent and service charge. We can explain what a lender may ask about before you make an offer.
What does a mortgage broker do?
A mortgage broker looks at your income, deposit, spending and plans, explains the mortgages that may suit you and what we would recommend, and then helps you through the application until the funds are released. Some of what we do is regulated by the Financial Conduct Authority and some is not, and we tell you which is which before you decide.
How much does your advice cost?
We explain how we are paid, including any fee, at the start, before you commit to anything. Ask us about this on your first call and we will answer it plainly.
How soon should I speak to a broker when buying in London?
Ideally before you start making offers. Knowing what you could borrow, and what a lender will want to see, helps you set a realistic budget and avoids delays once your offer is accepted.
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy to let mortgages, and wills and estate planning, are not regulated by the Financial Conduct Authority. This page gives general information only and is not personal advice.
Talk to an adviser
Tell us a little about your plans and we will be in touch.
Speak to an adviser