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Our Mortgage Broker Guide to getting a mortgage in 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 London Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Sort out any issues on your credit report

You must first obtain an up-to-date credit report to check how your credit worthiness is viewed. If you have been rejected for credit, you need to check your files immediately to work out the reason why. Otherwise, you may continue to apply for credit for which you continue to be declined. This cycle, of itself, worsens any credit problems.

First time buyer mortgage

First time buyer mortgages are any types of mortgage specifically marketed at first time buyers. They might for example be Help to Buy Mortgages or cashback mortgages (where the lender makes some cash immediately available for your home move when you take out the mortgage).

Mortgages specifically marketed at first time buyers are likely to be those which eliminate as much uncertainty regarding matters such as repayments as possible, so the certainty, for example, of fixed rates is likely to be favoured more than variable rate repayments.


London is a world-renowned city packed with iconic landmarks including, among others, the National Theatre, Leicester Square, Picadilly Circus, the London Eye, Covent Garden, Big Ben and County Hall. Diversions are almost limitless; taking music as an example, you can go to the Albert Hall in Kensington Gore to hear a classical music orchestra playing Beethoven but you might also take in some cutting edge dance music around the popular Hoxton & Old Street areas.

You can take a walk in Hyde Park, look at Buckingham Palace, see the Houses of Parliament, visit the Tate Museums (Pimlico (Tate Britain) and Bankside on the South Bank (Tate Modern) and walk along the South Bank. There are many varied markets, Spitalfields near Liverpool Street to the east and Portobello Road to the west being just two examples.

SE1 8SW

Property Price Stats for London


Average property price in London £663,288
% Change compared to last year 3%
Population of London 8,239,000


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 London - Recently Completed

  • Walterton Road, Maida Vale, London, W9 3PH
  • Ormeley Road, Balham, London, SW12 9QG
  • Broad Lane, South Tottenham, London, N15 4DU
  • Battersea Square, London, SW11 3RA
  • Oslow Tower, Flat number 11 Oslow Tower, Naomi Street, London, SE8 5EP

Local High Street Banks in London

Mortgage Broker in and around London

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

Which banks are local to you?


  • Barclays Bank Plc - Town Gate House, Church St E, Woking GU21 6AE
  • HSBC Bank Plc - 6 Commercial Way, Woking GU21 6EZ
  • Lloyds Bank Plc - 32 Commercial Way, Woking GU21 6ER

Book a Free Mortgage Broker Consultation
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Best first time buyer mortgage brokers

Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Find a Home Mortgage

Whole Market Access

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

Best Mortgage Advisors

FREE mortgage consultations for London

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

Access Mortgage Providers Quickly

Fast mortgage appointments

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

Independent Mortgage Broker

Impartial Mortgage Advice

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

Book a Free Mortgage Broker Consultation

London Mortgage Broker Insider Tips

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

Click to find out more about property searches

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Conveyancing Process
FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.