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Mortgage Advice in London

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8am - 10pm, 7 Days a Week

020 4511 4209Book Online Now

Mortgage Advice in London

Book Your Free Consultation
8am - 10pm, 7 Days a Week

020 4511 4209Book Online Now
Malcolm and Amy, UK Moneyman Directors

We love helping all customers who approach us, especially the ones who really need expert mortgage advice in London - It's not just about finding a mortgage, it's about the customer journey, we will hold your hand through the entire process.

To speak with a mortgage advisor in London, book your FREE mortgage appointment online.

Our Customers Love Us

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Mortgage Broker in London
Mortgage Advice in London

Welcome to our website, your new home for mortgage advice in London. Our advisors have over 20 years of industry experience helping all different kinds of applicants.

We love helping first time buyers, home movers, landlords, people wanting to remortgage, the self employed and people in complex mortgage scenarios through their mortgage journey. From your initial enquiry, to owning a property, we will be there to hold your hand throughout the whole process!

How can we help you obtain a mortgage in London?

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Firstly, take a look at our amazing customer reviews and see what others have thought about our mortgage advice service in London. You may find a customer that has been in the same situation as you are now.

Even if this is your second, third or even fourth mortgage, getting a new mortgage or porting your current one be difficult. Our job is to take the weight and stress of getting a mortgage off your shoulders and arrange everything for you.

This includes finding you an amazing product that matches your personal and financial situation, performing accurate credit checks on your file to determine how much you can borrow, helping you submit your application and making sure that you supply the correct documents to show your lender that you are a reliable applicant.

When your dedicated mortgage advisor in London begins looking for your mortgage product, they will search through many different lenders and thousands of deals to make sure that they find the best one for you and your circumstances.

Each lender holds both unique and high street deals that you can access; depending on your credit, affordability and reliability, you could secure a competitive rate.

How does our mortgage advice process work in London?

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As a mortgage broker in London, it is our job to guide you through the whole mortgage process, therefore, as soon as you get in touch by phone, email or book a free appointment online, we will be on hand to answer any questions that you may have.

During your free mortgage appointment, we will ask you questions regarding your personal and financial situation so that we can get an idea of how much you could borrow and what deals you may be able to access. Once we have this information, we start trying to find the most suitable mortgage product for you.

After assessing your affordability and completing your free mortgage appointment, you will receive an agreement in principle (AIP) to aid your property offers.

An AIP is a formal agreement between the buyer and the lender that states that the applicant can borrow from the lender if they are able to provide evidence to support their affordability such as bank statements, payslips, etc. We can usually turn around an AIP within 24 hours of your mortgage application.

After you have made an offer on a property and we have found you a perfect deal, we can submit your mortgage application! Your mortgage advisor in London and your dedicated case manager will keep you updated and inform you of any changes to the progress of your mortgage application.

Once you receive your formal mortgage application and the seller is happy, congratulations, you are now a property owner!

Why speak to a mortgage broker in London?

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As an experienced mortgage broker in London, it is our job to help struggling and unsure mortgage applicants. We are here to help you achieve your home buying goals!

You can book your free mortgage appointment online in just a few clicks! Follow our simple and quick ‘Get Started’ process and choose a date and time that suits you best.

We have 7 days a week availability; you can choose mornings, evenings or weekends, it’s completely up to you.

Why choose us as your mortgage broker in London?

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We have been delivering mortgage advice in London for over 20 years now! Our advisors are fully equipped with the latest industry knowledge and know how to help in almost every mortgage situation. In fact, there is rarely a situation that we haven’t yet come across.

Customer service is at the heart of Londonmoneyman, we love helping our customers. We have collected many reviews as a mortgage broker in London, feel free to check them out by heading over to our reviews page.

You can book your own mortgage appointment online and choose a date and time that is best suited to your working and family schedule. This appointment can be during the morning, late evening or at the weekend if that is better for you.

Our book online process is fast and easy to use; click book your free appointment online and choose a date and time.

Why approach a mortgage broker in London rather than a bank?

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Londonmoneyman works with a large panel of lenders, therefore, we are able to search through thousands of deals in order to try and find the right one for you.

Banks can only offer you their own products and deals, so your options are limited. Having access to a mortgage broker in London’s whole panel could help you access competitive rates, unique products and specialist deals.

If you are struggling to get accepted by a bank due to strict lending criteria, you may need to consider specialist products. Some of these specialist products may only be accessible by a mortgage broker in London like us.

mortgage advice in London is essential if you are in the middle of a complicated mortgage situation. Our mortgage advisors in London are knowledgeable, skilful and know exactly how to help in almost every mortgage situation.

Feel free to contact our team if you want to discuss your mortgage scenario, we are available via telephone, email or you can book a free appointment online.

How can a mortgage advisor in London help me get a mortgage?

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One of our mortgage advisors in London will help you find the perfect mortgage product for your personal and financial situation. This means that at completion, you know that you are on the best deal available to you.

Their job doesn't stop here. Your mortgage advisor in London will make sure that you feel comfortable and secure throughout the whole process. Whether this is answering all of your mortgage questions, keeping you up-to-date with the progress of your mortgage application, or explaining the mortgage process step-by-step so that you know how it works, your advisor will do their best to make sure that you have the best experience possible.

Once you complete your free mortgage appointment, you will be paired with a mortgage advisor in London that specialises in your situation. Book online or give us a call to arrange your free mortgage appointment.

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Common Mortgage Questions in London

How does my mortgage process work?

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If you choose us as your mortgage broker in London, then our process will work as the following; One of our mortgage advisors in London will carry out a Fact Find to determine your, needs before recommending the most suitable mortgage available for you.

A credit check will then be required for an agreement in principle and once all the relevant documentation has been gathered and the valuation of the property has been undertaken, a formal mortgage offer can be issued.

How does the free mortgage appointment work?

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Your free initial mortgage appointment in London will last 30 minutes to 1 hour. Your dedicated mortgage advisor in London will then recommend a mortgage for you, with no obligation for you to proceed.

At this point, it is up to you to decide whether or not you wish to proceed with the recommended mortgage.

When should I obtain an agreement in principle?

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In order for you to ensure you are prepared as early as possible, our mortgage advisors in London recommend that you obtain an agreement in principle prior to viewing properties in London.

At the very latest you should obtain a mortgage agreement in principle before you make any offers, in order to help with your bargaining position.

How long does an agreement in principle last?

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An agreement in principle will normally last somewhere in the range of 30 and 90 days. This depends on the mortgage lender that is being used. If your agreement in principle expires, your mortgage advisor in London can always refresh this for you.

Can I get a second mortgage in London?

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If you are looking to achieve something like debt consolidation or home improvements, you may be able to get a second mortgage.

The option for a second mortgage can also be used on a second property if you are looking at using it for yourself, a family member, a holiday home or a buy to let property.

How much deposit do I need for a mortgage in London?

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The minimum deposit necessary for purchasing a house in London with high street mortgage lenders is usually at 5%. If you have had previous credit problems, this could be higher.

Can I get a mortgage with previous credit problems?

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Obtaining a mortgage if you have had previous credit problems isn’t completely impossible, but you may face certain hurdles, such as some lenders requiring that you put down a higher deposit than usual, perhaps 15% of the property purchase price.

I’m self employed in London, can I get a mortgage?

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You are able to get a mortgage once you have submitted at least one year’s accounts. The majority of mortgage lenders use your salary plus dividend to calculate the maximum amount you can borrow, whereas others may use your net profit.

What documents will I need to send?

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Three payslips are generally what is required for an employee to prove their income and if you are self-employed in London, it’s usually the latest 2 years’ accounts.

You will also need to produce some proof of ID, your address and the latest 3 months’ bank statements.

How long does the process take?

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If you take up a free initial mortgage consultation with one of our trusted mortgage advisors in London, your appointment will last around an hour.

Your advisor will be able to turn round an agreement in principle within 24 hours, with a formal mortgage offer taking roughly about three weeks on average.

Mortgage Guides & Londonmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

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