Can I afford a mortgage in London?

Many London buyers are surprised by how much they can borrow. With the right lender and advice, mortgage payments are often comparable to rent. We'll run a full affordability check for free.

Do I need a huge deposit for a London mortgage?

Not necessarily. Some lenders accept 5% deposits, and shared ownership lets you buy a share with an even smaller deposit. We'll explore every option.

Is your London mortgage advice really free?

Yes — 100% fee-free. Many London brokers charge £500-£1,000+. We never charge our clients anything.

Can you help with high-value London mortgages?

Yes, we work with specialist high-net-worth lenders for properties above £1 million and complex income structures.

Which London lenders allow the highest income multiples?

Several lenders offer 5.5–6x income for professionals (medics, lawyers, accountants) on £75k+ in London. We identify which lender gives you the largest borrowing for your profession and circumstances.

Can I get a London mortgage with foreign income or visa?

Yes. A handful of lenders accept Skilled Worker, Innovator and dependant visas, and some accept overseas/non-domiciled income. We match your visa and income type to the right lender.

How does shared ownership work in London?

You buy 25–75% of a property and pay subsidised rent on the rest. London has more shared ownership stock than anywhere else in the UK — we advise on the best mortgage lenders for the scheme you're looking at.

Are leasehold flats in London harder to mortgage?

They can be — lease length, ground rent, cladding, and service charges all matter. We screen the lease before applying and pick lenders comfortable with the building.

Do you help with high-value or large London mortgages?

Yes. For loans above £1 million we work with private and specialist lenders, including interest-only and bonus-led affordability cases.

London, Greater London

Mortgage Advisor in London

Navigate London's property market with expert, fee-free mortgage advice. We compare 90+ lenders to find you the best deal.

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Get Free Advice in London Call 0191 580 9890

Mortgage Advice in London

London's property market presents unique challenges — from high prices to complex affordability requirements. Our advisors specialise in helping London buyers find competitive rates, whether you're a first-time buyer using Help to Buy, a professional upgrading in Zone 2, or an investor in the capital. Our service is 100% fee-free, saving you hundreds compared to fee-charging London brokers.

London Property Market

Average Property Price

£523,000

Popular Areas

WalthamstowBrixtonHackneyPeckhamStratfordCroydonGreenwich

Our Mortgage Services in London

First-Time Buyers

Expert advice for first-time buyers in London. We'll guide you through every step.

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Remortgage

Switching your London mortgage? We compare 90+ lenders to find your best deal.

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Home Movers

Moving within or to London? We'll handle your mortgage so you can focus on the move.

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Buy-to-Let

Investing in London property? We specialise in BTL mortgages for landlords.

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Buying a Home in London — What You Need to Know

London's average property price is over double the national average, making deposit size and affordability key challenges.

First-time buyer stamp duty relief applies on properties up to £425,000, saving London buyers up to £8,750.

Areas in East and South East London continue to offer the best value for first-time buyers.

London has more shared ownership schemes than any other UK region — we can advise on all of them.

Professional mortgage applicants in London (doctors, lawyers, accountants) may qualify for enhanced borrowing multiples.

Market Trends

London Property Market Trends

Greater London prices are broadly flat year-on-year, with outer boroughs outperforming Zone 1–2.
Walthamstow, Leyton, and Lewisham remain the strongest first-time buyer markets, helped by Elizabeth line and DLR links.
Prime central London has cooled, but family houses in Wandsworth, Ealing, and Crouch End are still competitive.
Higher SDLT thresholds since April 2025 have pulled forward demand below £500k.

Local Updates

Recent London News & Updates

March 2026

Bakerloo line extension consultation reopens

Renewed momentum on the Bakerloo extension to Lewisham is already feeding into SE postcode demand and asking prices.

Early 2026

Renters' Rights Act reshapes London BTL

Section 21 abolition and new rent rules have pushed some smaller landlords out, freeing up stock for first-time buyers in inner London.

Market data and updates are indicative and based on publicly available sources up to early 2026. Speak to an adviser for live figures specific to your circumstances.

What London Customers Say

"Moved to a bigger home in Walthamstow with two kids. Our advisor handled everything — even chased the solicitor!"

Priya K.

Home Mover — London

"Thought we'd never buy in London. The Mortgage Genie found us a scheme we didn't know about and we're now homeowners in SE15!"

Alex & Dan R.

First-Time Buyers — London

"Remortgaged in Hackney and saved £250/month. Can't believe it was free. Already recommended to friends."

Olivia S.

Remortgage — London

Mortgage FAQs — London

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Your home may be repossessed if you do not keep up repayments on your mortgage.