Home loans in London, made simple

Yes. A number of UK lenders offer mortgages to non-residents and expats, though typically at lower maximum LTVs (often up to around 75%), with stricter income and documentation requirements and sometimes higher rates. Our brokers know which lenders genuinely welcome overseas buyers and will match you to the right one rather than you applying blind.

For a residential purchase you can start from around 5–10% of the price, though a larger deposit unlocks lower rates and more lenders. For a buy-to-let you'll usually need at least 25% (75% LTV), and non-resident or specialist cases often require more — we'll tell you exactly where you stand before you apply.

Yes. We place buy-to-let mortgages across the whole market, typically needing a 25% deposit (75% LTV) and assessed mainly on the property's expected rent rather than your salary — most lenders stress the rent at roughly 125–145% of the mortgage payment. We can also arrange limited-company (SPV) and portfolio buy-to-lets for investors building a London base.

A fixed rate locks your monthly payment for a set term — usually 2, 3 or 5 years — giving certainty regardless of what the Bank of England base rate does. A variable or tracker rate moves with the market, so it can fall (cheaper) or rise (dearer); we'll weigh your appetite for certainty against likely rate movements and recommend the right fit.

For a mortgaged property, buildings insurance is required from exchange, and lenders will expect the cover in place before completion. For short-letting you also need appropriate holiday-let / short-term-let insurance rather than a standard home policy, and life or protection cover is worth considering — we can point you to the right products.

For a residential mortgage, lenders assess your income, outgoings, credit history and existing commitments, then stress-test that you could still pay if rates rose. For a buy-to-let it's driven mainly by the property's expected rent, which most lenders require to cover the mortgage by around 125–145%. We check your numbers against each lender's rules before applying.

An agreement in principle can often be issued within a day or two, while a full mortgage offer typically takes a few weeks from application, depending on the lender, the valuation and how quickly documents are supplied. As your broker we chase the lender and keep it moving so it doesn't stall.

A mortgage (or agreement) in principle is a lender's written indication of how much they'd likely lend, based on a soft credit and affordability check. It's not a formal offer, but it shows estate agents and sellers you're a serious, funded buyer — which strengthens your position when you make an offer. We can arrange one quickly.