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Our Mortgage Broker Guide to getting a mortgage in Central London

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Central London Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Keep in mind your APRs at all times

You should always be aware of how much your borrowing is costing you and look to pay off high interest debts and rather run debt up on items with lower APRs.

A lower APR means lower interest payments which means less cash to shell out.

Capped Rate Mortgage

These are a type of variable rate mortgage, based on a lender's standard variable rate (SVR), but one where the rate cannot become higher than an agreed level (and therefore the repayments more expensive).

You can gain from these types of mortgages if the lender's SVR comes down, however you need to be sure that you have enough finance to make monthly repayments as high as the level of the cap, which may itself be set quite high. You often find also that the rate itself is generally higher than for other variable and fixed rate mortgages.


Central London is most often used to describe the area which is variously covered within Zone 1 of the tube/railway system of London and also where the Congestion Charge zone/Low Emissions Zone covers.

It is an area with a very long history and contains some of the most well-known shops and attractions in the world. It also contains some areas which are considerably residential, such as Belgravia and Mayfair, which contain some of the world's most expensive properties.

Attractions and landmarks are very numerous and a very small selection includes the Houses of Parliament, the London Eye, Madame Tussaud's Waxworks, Trafalgar Square, the National Gallery, the BT Tower, Hyde Park, Oxford Circus and Oxford Street, Regents Park, London Zoo and Westminster Cathedral.

WC1A 1DG

Property Price Stats for Central London


Average property price in Central London £1,566,519
% Change compared to last year - 6%
Population of Central London 1,525,000 (2001)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

Mortgage Broker Central London - Recently Completed

  • Porchester Terrace, W2 3TP
  • Winchester House, W2 6EB
  • Osier Court E1 4AP
  • Durward Street E1 5BT
  • Umberston Street E1 1PY

Local High Street Banks in Central London

Mortgage Broker in and around Central London

Our Central London mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including City of London, West London, East London, North London, South London, North West London and Westminster.

Which banks are local to you?


  • RBS - Admiralty Arch, 49 Charing Cross Rd, London SW1A 2DX
  • HSBC - 455 Strand, Charing Cross, London WC2R 0RH
  • Barclays Bank - 25 Charing Cross Rd, Charing Cross, London WC2H 0HZ

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Central London offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Central London Mortgage Broker Insider Tips

Make sure you are in constant communication with your solicitor.

If your situation changes or something unforeseen arises, inform your solicitor as soon as possible. This should avoid unnecessary and time-consuming work being carried out which later needs to be rectified. 

It also ensures all legal documents are accurate and you are receiving service which is specifically tailored to your needs and circumstances for your home move in Central London.

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