Specialist Mortgage Advice London | All Situations Considered

Specialist Mortgage Advice in London

Appointments Available on Evenings and Weekends

Reviews io White Logo

Read our 15 Reviews

Reviews IO Stars

Declined by the Bank? We Might be Able to Help!

Are you dealing with a particularly complex mortgage situation? Perhaps you are finding it difficult to get over some mortgage hurdles? As an experienced Mortgage Broker in London, it’s our job help our customers to overcome everything that is in their way on the way to finding mortgage success.

Your Specialist Mortgage Advisor in London

As an experienced team of mortgage advisors in London, we are able to access our vast panel of specialist lenders, each with their own unique lending criteria. Instead of taking your application into your own hands and risking being declined, we would recommend that you get in touch with a Mortgage Broker in London.


They will best match you with a suitable lender for your circumstances. If you are declined too many times for mortgage applications on your credit file, you might end up damaging your credit score. This could stop you getting a mortgage altogether.


At Londonmoneyman, it’s our goal to get our recommendation right the first time, there is rarely a mortgage situation that we haven’t come across before. We have a great deal of knowledge of specific lender criteria. This means that once we have gathered some initial information, we’ll have a good idea of the next step to take.

Over 20 Years of Experience

We have been in the industry now for well over 20 years. During this time we have encountered a wealth of different mortgage scenarios. In London, even if you have had a bad credit history, it may not be completely impossible for you to get a mortgage!


No matter how difficult your situation may be, our Mortgage Advisors in London will consider all mortgage scenarios. Book your free mortgage appointment with a dedicated mortgage advisor in London and we’ll see how we can help.


How does it work?Book OnlineMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

Mortgage Lenders 001
Mortgage Lenders 002
Mortgage Lenders 003
Mortgage Lenders 004
Mortgage Lenders 005
Mortgage Lenders 006

An In-Depth Look at Specialist Mortgage Scenarios

When a mortgage applicant is facing a difficult process with their mortgage and isn’t able to get to a point where they can be accepted by a lender, we will always be there to help them out in any way they can.


As an experienced mortgage broker in London, we have been through appointments with a large variety of unique customers, all with their own mortgage scenarios. Here is a more in-depth look at some of the more frequent complex scenarios;

Property Down Valuation

If you have gotten someone out to perform a property survey on your potential new home and then find out that your offer that was accepted is actually way above the market value of the property, you have had a Property Down Valuation.


Though not completely the end of the line for you, it is more than likely that your lender will pull out of your mortgage deal. If you are able to make up the difference between your offer and the true value of the property, the lender may still allow you to proceed.

Divorce & Separation Mortgage Advice

If you are going through a divorce or separation with your now ex-partner, it can be difficult making arrangements for the next step in your life. This only becomes more complex if you are tied into a mortgage together. You should sort this as soon as possible, as otherwise if left too long, it can get a lot more complicated.

Remove a Person From a Mortgage

In addition to the mortgage scenario just mentioned, if you are going through a divorce or separation, you may be looking to remove your own name or your ex-partner’s name from the mortgage. You will have limited options depending on the financial stability of you both, as well as your affordability, as you will now only be living off one income.

Single Name Mortgages for Married Applicants

If you’re married and checking out your options for taking out a mortgage on a property you and your partner are going to be living in, chances are a mortgage lender would prefer you both to be on the mortgage. That being said, there are still options out there if you would rather it only be in one of your names.

Shared Ownership

The Shared Ownership Scheme really is a great way for mortgage applicants to take out a mortgage as a percentage share of the property, rather than the full price. This share will typically be between 25%-75%, though some lenders may go down to 10%. The owner of the remaining share, likely a local authority, will be paid back as rent alongside your mortgage payments to the lender.

Professional Mortgages

Professional mortgages can only be accessed by very specific professions. This is an incredibly niche area of the mortgage market and as such we would absolutely recommend booking a mortgage appointment with a specialist mortgage advice team to learn more.

Second Home Mortgages

If you have any plans to take out a mortgage on a further property, you will need to show the lender proof that you are financially capable of covering the costs of both mortgage payments simultaneously. We are able to help you make preparations for this.

Holiday Home/Let Mortgages

Holiday lets are similar property types to buy to let properties. The main difference is that in this case, you won’t have a  permanent tenant, with it possibly generating no income during off-seasons. Because of this, lenders need to have absolute confidence that you can afford your mortgage payments every month, whether you have a tenant or not.

New Build Mortgages

New builds may potentially be more expensive to invest in than older properties. If you’re finding it difficult to save up for your initial deposit and you are a first time buyer, you may be able to use the government’s Help to Buy Equity Loan Scheme as a way to get onto the property ladder.

Non-Standard Construction Property Mortgages

A ‘non-standard’ property is a property that is not put together using regular building materials like bricks or mortar. In order to take obtain a mortgage on such an obscure property type, you will need a very specialist mortgage product. We would recommend taking out a full property survey on this type of property.

Multiple Applicant/House of Multiple Occupation Mortgages

HMO mortgages are basically large buy to lets with 4-6 tenants, similar to what you would see with student housing. HMOs are often very complex to deal with. We would recommend seeking specialist buy to let Mortgage Advice in London if you’re looking at taking on a HMO.

Mortgages Past Retirement Date/Lifetime Mortgages

You may be able to release the equity that you have gradually built up in your home, turning it into cash using a lifetime mortgage. This is a very specialist mortgage type and requires speaking to a specialist to make sure everything is correct.

Offset Mortgages

Offset mortgages use a new savings account created to use with your mortgage. This type of mortgage could be a great way of helping you access competitive interest rates and mortgage products.

Do you require a specialist mortgage advisor in London?

Here at Londonmoneyman we have a vast panel of specialist mortgage lenders, each who have their own specialist lending criteria that we are able to match our customers to.


Our dedicated and experienced team of mortgage advisors in London have the ability to use the knowledge that they have gathered over our 20 plus years  of being a mortgage broker, in order to recommend the most suitable mortgage deal for our customers needs.


If you are concerned with your credit score, then you should look at getting an up-to-date copy of your credit report. You will be able to benefit from taking this step when it comes to your free initial mortgage appointment, as this will give us a better understanding of what you’re like, what you’re looking to achieve and what deals are going to be most suitable.

We Work For You

During your mortgage process, we are responsible for you and the advice you receive. We will take care of you, always having your best interests at heart.


Our team of hard working mortgage advisors in London always aim to provide you with a top tier service, ensuring you remain informed throughout the course of your journey. We will always do our best to give a responsive service, tailored to your circumstances and needs.


We hope that in receiving our service, that you end up with mortgage success, a fantastic deal on a home, and a smile on your face.


As a company who prides itself on providing fast & friendly mortgage advice in London, we will be with you every step of the way. Book your free mortgage appointment today and speak with an expert Mortgage Advisor in London.

Reviews Stars5.00 Rating15 Reviews

Common mortgage

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.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property in London!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links

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

© 2022 Londonmoneyman

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

Moneyman Logo

Moneyman Logo

Moneyman Logo

Ask Your Question

    Moneyman Logo

    Moneyman Logo

    Moneyman Logo

    Book your Free Consultation

    7 Days 8am - 10pm

    Moneyman Logo

    Moneyman Logo