Malcolm and his mortgage experts
The best thing about our job as a Mortgage Broker in London is being able to help our clients navigate through the often stressful experience of buying a home or remortgaging in London. It can be a complicated process and our clients love having someone on their side from start to finish to ensure they get the right advice.
We do pride ourselves on upkeeping and providing a highly responsive service – communication is everything in this job and we aim to show this by always keeping you in the know. We work from a large panel of well-known high street banks and building Societies to ensure our clients get the best deal available to them but we also work with smaller, more specialist Lenders too for when we come across clients who don’t “tick all the boxes”.
Malcolm Davidson
Amy Davidson
Chris Thompson
Charlie Bryson
Jason Loft
Leo Shakespeare
Matt Collinson
Tom Bowes
Wayne Dewsbury
5.00 Rating15 Reviews
Anonymous
Charlie helped guide me through the process and answered all my questions. Would highly recommend London money man to everyone!
2 months ago
Anonymous
Ryan at London Moneyman made moving home with my mortgage easier. Thank you, 5 stars service.
2 months ago
Laura
I was nervous buying my first home but londonmoneyman were fab! Thank you for helping me 🙏
2 months ago
Jaycee
A+ service. communication was brilliant, helped me find a mortgage. Will definitely be back!
2 months ago
Tamra
Great company. Great service. Recommend 100%
2 months ago
Otto
thank you chloe for help with my mortgage iwill be back next time.
2 months ago
Tabby
Excellent service very helpful with my mortgage 😀
2 months ago
Seb
Very useful and efficient service. Thank you london money man!
2 months ago
Josie
Dinah and the team at London money man were super helpful with a remortgage on our family home. They got us through the process quickly and found me a much better deal than we were on. Thank you again, we'll be back in touch for our next...
2 months ago
Jeb
Great service from Kayleigh & Leo! Made it easy and stress free, thank you both for finding me a suitable product. I would not have got through this without their help.
2 months ago
Derek
Helped me and my partner on our remortgage. Molly was friendly and polite on the phoen and helped us throughout the process. Would reccomend 👍
2 months ago
Marina
Leoand Kayleigh were great during my process. He made everything stressfree for me as a first time buyer. Would definitely recommend to others going through the same process as it helped a lot. Thank you..Marina
2 months ago
James
Thank you Londonmoneyman. From my free mortgage appointment to completion I was kept in the loop. Jason was great and would definitely recommend.
2 months ago
Ruby
Tom and Louise were so helpful throughout the whole process. As First Time Buyers we were almost scared to start looking for a home but the team at Londonmoneyman put us at ease and now we have a lovely new home. Thanks for everything!
2 months ago
John
Amazing service from start to finish. Charlie, Megan and the application team were very helpful throughout, to help with any queries, and kept me up to date with the process at every stage. Couldn't recommend them enough!
1 year ago
Common mortgage questions
Your free initial mortgage consultation in London will last roughly one 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.
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. Once all the relevant documentation has been gathered and the valuation of the property has been undertaken, a formal mortgage offer can be issued.
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.
An Agreement in Principle will normally last somewhere in the range of 30 and 90 days. This depends on the Lender that is being used. If your Agreement in Principle expires, your advisor can always refresh this for you.
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.
The minimum deposit necessary for purchasing a house in London with High Street Lenders is usually at 5%. If you have had previous credit problems, this could be higher.
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.
You are able to get a mortgage once you have submitted at least one year’s accounts. The majority of Lenders use your salary plus dividend to calculate the maximum amount you can borrow, whereas others may use your net profit.
Three payslips are generally what is required for an employee to prove their income and if you are Self-Employed, 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.
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.
