We have over 15 years experience raising finance for our clients from purchasing their dream home to starting and growing their property portfolios. We exclusively work for you. SPEAK TO THE EXPERTS.

Bespoke Mortgage Services

  • Offshore
  • Private Clients
  • Professionals
  • Portfolio

Offshore mortgages are clients living overseas (both UK ex-pats and non-UK citizens alike), seeking to purchase or remortgage a property within the UK.

Generally, offshore mortgages are for clients who are are not resident in the UK for tax purposes and whose main income comes from outside the UK .  Ex-pat mortgages, are designed specifically for UK nationals residing overseas.

Speak to one our advisors today to discuss your enquiry in more detail. 

We have strong relationships with private banks, specialist lenders, family offices that offer our clients bespoke lending propositions. 

High value lending can be with or without AUM (Assets Under Management). Depending on your circumstances your advisor will discuss this in more detail to offer you the most attractive terms.

We fully understand complex cases, incomes and privacy.

Professional mortgage products are aimed at borrowers in specific professional occupations.

In today’s market, all lenders tend to use their own affordability calculations to calculate how much they are willing to lend, however some lenders offer exclusive mortgage products available for those in professional employment which offer reduced rates, fees and processing time.

Depending on the professional, many lenders may offer qualifying applicants a range of better deals, mainly due to being viewed as lower risk therefore your career stability and reliable income can help you save money.

If you own 4 or more mortgaged properties (in your own name or in a Limited Company) you are classified as a Portfolio Landlord. 

If you own less than 4 then generally you will be classified as a private landlord. 

Our portfolio specialists understand lender criteria and market conditions and work with you to achieve your goals, wether it is to refinance one of your properties or to re-structure your entire portfolio.  

  • Buy To Let
  • Remortgage
  • Home Mover
  • First-time Buyer

Purchasing an investment property can be a great decision. Allowing you to make a secondary income, providing a pension income when you retire or even as inheritance to your children. However getting the right buy-to-let mortgage is imperative.

Speak to one our experienced advisors today to get a full understanding of the different products available and which Buy-To-Let mortgage will be right for your requirements.

The two main reasons you would remortgage would be:

1.To get a better mortgage deal from a new lender (generally done when your current rate expires).

2.To raise additional funds

With so many different products available in the market today, it is a good idea to speak to one of our advisors who are able to provide you with a clear understanding of all associated costs involved and if remortgaging is the right option for you.

Always plan ahead. Contact us 3 months prior to your current rate expiring so we can work with you and provide the best options available. 

Selling your current home, searching for a new home, viewings, viewings, viewings! It seems daunting but exciting.

Leave the mortgage searching to our advisors. We are independent and will search the market to ensure you get the right mortgage. 

Speak to one our experienced advisors today to get a full understanding of the different products available. 

Purchasing your very first home and moving from one property to another could be considered one of the most stressful life events for any individual.

Buying a home is one of the largest investments you will make and it is therefore crucial to understand the entire process, from the first initial property viewing to the day you open the door with your own key.

Our advisor will help and guide you through the process, all questions welcome and feel free to ask about anything you don't quite understand or need a little more information on. 

Finding The Right Mortgage

Not sure what mortgage is right for you? Our best buy tools allow you to compare mortgage deals available on the market right now.

After having a look, if you need more information, click on the enquire now button, fill in your details and one of our consultants will give you a call to discuss your options in more detail.


Don't Just Take Our Word For It

T: +44(0)20 8427 5057 E: enquiries@london-fs.com

Specialist Mortgages

Some Of The Lenders We Work With

What's New - LFS Blog

Top five tips for First Time Buyers

Top five tips for First Time Buyers

Purchasing your first property can be daunting – it will most probably be one of the biggest financial commitments you will take on and can be a long road of
Buy To Let Mortgages..

Buy To Let Mortgages..

Factors to consider when purchasing a BTL [Buy To Let] property: The buy to let mortgage market has changed significantly over the past 18 months. If you are thinking about
* The Financial Conduct Authority does not regulate some forms of buy to let, secured loans, commercial finance, bridging finance, overseas or offshore mortgages and will writing.
Your initial mortgage consultation is obligation free. We charge an administration fee for processing each mortgage contract and our fees only apply when you decide to proceed with an application. For standard residential mortgage contracts the typical fee of up to 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer . For buy-to-let mortgages a typical fee of up to 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer. For offshore and commercial mortgages a typical fee of 1% of the mortgage loan applies of which £1000 is payable on application with the balance payable on offer. For impaired credit lending the typical fee is 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer. The overall cost for comparison is 5.5% APR. The actual rate will depend on your circumstances. Ask for a personalised illustration. The advice and/or guidance contained within this website is subject to UK regulatory regime and therefore is restricted to consumers based in the UK.
London FS

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