Mortgage Broker in Mayfair | Mortgage Advice in Mayfair

Fast & Friendly Mortgage Advice in Mayfair

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First Time Buyer

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Buy to Let

Moving Home

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We love helping all customers who approach us, especially the ones who really need Mortgage Advice in Mayfair - it's not just about finding a mortgage. It's about the journey, we will hold your hand throughout the full process.

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 020 4511 4209.

Book Online

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 020 4511 4209.

Malcoms Image

We love helping all customers who approach us, especially the ones who really need Mortgage Advice in Mayfair - it's not just about finding a mortgage. It's about the journey, we will hold your hand throughout the full process.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Buy to Let

Moving Home

Right to Buy

Help to Buy

Self-Employed

Specialist

Reviews Stars5.00 Rating15 Reviews

Expert Mortgage Advisors in Mayfair

As expert providers of elite level Mortgage Advice in Mayfair, there is rarely a situation we haven’t encountered in the past. During our tenure as a Mortgage Broker in London and Mayfair, we have helped a vast array of homeowners and home buyers alike, to achieve their mortgage goals.

 

Whether it’s their first time buying a property, they’re moving to a new property in Mayfair or are remortgaging their family home, we strive for mortgage success and excellence. Of course that’s not all you could do, as you’ll see below. There are lots of different mortgage scenarios that you may come across on your mortgage journey.

First Time Buyer in Mayfair

If this your first time buying a home, you may be unsure of the right steps to take. You’re undertaking possibly the largest financial commitment of your life, something that when realised, can be understandably daunting.

 

It’s our job as a mortgage advisors in London & Mayfair to help you find your footing on the property ladder, advising on all the appropriate actions to take, on your way to finding mortgage success. From your first point of contact, until completion and beyond, we’ve got your back.

Buy to Let in Mayfair

Perhaps you’re an existing or budding investor in the property market, looking to purchase a Buy to Let property. This is something we regularly encounter here at Londonmoneyman. Buy to Let is a popular option, as it can lead to great reward in the long run.

 

Our team of mortgage advisors in London & Mayfair have a lot of experience in building relationships with landlords, helping them to grow their portfolios, whether buying in their name or with a SPV (Special Purpose Vehicle), such as their Limited Company.

Remortgage in Mayfair

Those who already own their own home, will find themselves eventually reaching the end of their initial fixed-period. Once you’re at this point, you may find yourself wanting to remortgage your property.

 

Whether this is to find a better deal, release some equity for home improvements, to raise capital or something else, remortgaging is a popular choice amongst homeowners who have grown attached to their home and don’t want to move.

Self Employed in Mayfair

As a self-employed mortgage applicant in London & Mayfair, you may find that evidencing your income can be a little more challenging than it would be for a regular employed applicant. The reason for this is because you have to provide proof of a consistent and sufficient income. Whilst this is the case, it’s not impossible to get a mortgage.

 

Our team have a lot of experience in helping self-employed mortgage applicants get onto the property ladder. Your dedicated advisor will run through your case with you, helping to recommend a suitable mortgage product and best advising on the steps to take, so that you can approach the mortgage process confidently and with a higher chance of success.

Moving Home in Mayfair

If you’re already living within or near Mayfair and reaching the end of your initial fixed-period, you may be thinking about your options for moving home. There are lots of reasons why you may choose to move home. It could be for more space (perhaps if you have a child on the way or need a home office), for better living costs, or even just for a change of scenery.

 

As providers of open & honest mortgage advice in London & Mayfair, we know that the process of moving home can be incredibly stressful. You have to find a buyer, pack your belongings and arrange everything on your new home purchase. We aim to reduce your stress levels, by taking the weight of the mortgage off your shoulders.

Commercial Mortgages in Mayfair

If you are a business owner in London & Mayfair, you may be looking at your options for taking out a Commercial Mortgage. These work differently to residential mortgages, with it being presented more as a sales pitch, rather than being based solely on criteria.

 

On top of this, the minimum amount you can borrow being £25,000 and a term length that sits somewhere between 1 to 25 years. These are quite complex and require a specialist to look through your case. Get in touch today and we will see how we can help with your Commercial Mortgage.

Equity Release in Mayfair

Homeowners who are over the age of 55 and meet the right criteria, may be looking at their options for an Equity Release. Unlike remortgaging to release equity, this will generally be taken out in the form of a Lifetime Mortgage. This is a very specialist area and requires speaking to a qualified professional.

 

Whilst it is not something that we personally can offer a service on, get in touch and we’ll put you in contact with a trusted contact of ours in the field of Equity Release.

Insurance Options for Homeowners in Mayfair

Whether you’re going through your mortgage process or are just interested in insurance alone, our dedicated mortgage and protection advisors in London & Mayfair will take some time to run through potential insurance options with you. Whilst you’re not obligated to make any agreements, we firmly believe they’re within the best interests of all our customers.

 

Almost all insurance options allow you to decide how your payout is used, with many choosing it to be a financial safety net for their mortgage payments. With any kind of insurance, it is always recommended that you speak to a qualified professional before you make any decisions. Here are some of the insurance options that you may have access to.

Life Insurance in Mayfair

Life insurance pays out when you die. Homeowners especially, should think about it this way. A mortgage is no small loan; it’s a big financial commitment. If you were to die before paying it off, it is likely your debts will be passed onto your family.

 

 There are various different types of life insurance that you can take out, with varying terms and costs. Having life insurance allows you to sit comfortably in the knowledge that if you suffer an untimely death, your loved ones won’t have to live with your financial burdens.

Critical Illness Cover in Mayfair

Critical Illness Cover is a lump sum payout that helps to cover you financially, even if you have since been able to return to work, if you suffer from a large scale health event, such as cancer, a heart attack or a stroke. The downside to this type of cover is that it can only pay out on the illnesses covered in the policy, meaning not everything is covered.

 

Despite this, it can prove to be a great way to protect yourself financially, just in case something like this happens. You are able to use your payout how you see fit, though we often find that people will either use that payout to cover their mortgage costs (especially if they’re unable to work for the time being), or to cover medical costs.

Income Protection Insurance in Mayfair

Income Protection Insurance is similar to Critical Illness Cover, with a few notable differences. There are no limits to the illness, though it will only pay out if you are unable to work. It also will pay out as a monthly sum, rather than a lump sum, as it is designed to cover a loss of income.

 

This type of insurance can be more expensive, depending on the terms you have set. If you have set it to pay out after one month of being unable to work, it will cost a lot more than it would do for someone who sets it to pay out after six months.

Why choose Londonmoneyman?

As a mortgage broker, we have been around in the mortgage industry for well over 20 years at this point. During our tenure, our dedicated Mortgage Advisors in London & Mayfair have likely encountered almost every mortgage scenario imaginable.

 

Using our experience and mortgage industry knowledge, combined with the determination of our team, we will work hard to secure you a competitive mortgage deal. Factoring in various aspects such as how your credit file looks and affordability checks, we will hopefully be able to see you across the mortgage finish line!

Our Service is 7 Days a Week

Our fantastic team of mortgage advisors are here to attend to your mortgage needs, 7 days a week. We are working every single day, from early until late at night, to ensure that you have a mortgage service that is accessible at times that best suit you and your day-to-day needs.

 

These working hours run hand-in-hand with our trusted mortgage advisors working schedule. This means that you can book in a mortgage appointment at a time that is convenient to you, appointments subject to availability.

 

We want the very best for you, in all situations. Let us help you find the perfect mortgage product that will do nothing but benefit your personal and financial situation.

Contact your Mortgage Broker in Mayfair

If you require any help with a mortgage, then get in touch with an experienced and reputable Mortgage Broker in London & Mayfair today. Our hard working and trusted team are here to help you achieve your goals with a fast & friendly mortgage advice service in Mayfair.

 

Whether you are applying for a mortgage as a First Time Buyer, are looking at moving home, are an experienced or budding landlord looking for a Buy to let mortgage, or simply would just like to get in touch for some expert Mortgage Advice in Mayfair, we are here to help.

 

Book your free mortgage appointment or remortgage review today and our dedicated mortgage advisors in London & Mayfair will see how we can help you.

 

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About Us

We take a great deal of pride in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!

Find Your Mortgage Broker in Mayfair on Social Media

We’re are very active across our socials, particularly on Facebook and Twitter. We are always sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.

Stress-Free Remortgage Advice in Mayfair

We are here to take the stress off your back when remortgaging. You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.

About Our Service

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.

Londonmoneyman.com & 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.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Londonmoneyman

Londonmoneyman, Unit 3A, 34-35 Hatton Garden, Holborn, London, EC1N 8DX, UK

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