Supporting your mortgage journey, with smart, creative advice from an established independent London brokerage.


If you’re searching for a new mortgage or thinking to remortgage your London property, London FS can help you find the right deal. We’re an independent London mortgage broker specialising in advice for professionals and high-net-worth clients.

The UK property and mortgage markets are known for being fast paced, dynamic and very competitive!

At London FS, we pride ourselves on being responsive, reliable and creative. We work closely with you to secure the best mortgage deal to suit your individual circumstances, from helping you secure a new residential mortgages (including large £1m+ products) or to help you remortgage to a more competitive deal.

With over 20 years of experience obtaining favourable mortgage rates and terms for our clients, we offer a discreet, personal and professional service to everyone we work with.

Whatever your circumstances, we can help you secure the financing you need. Contact us today for expert and impartial mortgage advice.


We specialise in arranging mortgages for:

  • High-income earners
  • Professionals
  • Company directors
  • LLPs
  • Individuals with complex, fluctuating or multiple income streams
You can be a first-time buyer or have an existing mortgage; we can help you secure the best mortgage deal for your financial future.

We understand complex income structures:

  • Projected income
  • Bonuses
  • Net profits
  • Dividends
  • Multiple Income Sources
Being independent allows us to work with a vast array of lenders. We spend the time to understand your true financial position.

Residential Mortgages London

In recent years we have seen average house prices increase year on year. We work with you to to help secure your property and have a stress free transaction.

We’ve been helping arrange London mortgages for almost 20 years and understand the pressure of the London property market. By working with us, you can rest assured we will work on your behalf to secure market leading rates in the quickest possible time.

Your advisor will help you compare mortgages, discuss the advantages and disadvantages of different scenarios and is here to provide support for you throughout the process. So whether you’re searching for an interest-only mortgage, fixed-rate mortgage or a variable rate mortgage (SVR mortgage), we’ll help you take the next step on the property ladder.


Your independent mortgage adviser will work with you throughout the process and you expect them to;

  • Discussing your personal circumstances, credit history and credit score
  • Understanding your financial position, including income streams
  • Learning about your new property purchase (including property value, assess the loan-to-value, liaising with the estate agent, and calculating any additional fees you’ll be liable for, such as stamp duty)
  • Outline suitable mortgage products and options
  • Discuss repayment strategies and interest charged on the mortgage
  • Discuss and advise on the mortgage process
  • Searching products from high street / mainstream lenders, building societies, specialist lenders and private banks
  • Assessing and discussing the total overall cost of borrowing
  • Discussing any associated arrangement fees (some lenders charge lender arrangement fees)
  • Taking you from mortgage application, through to mortgage offer
  • Identifying the best deal and supporting your application
  • Working with you throughout the house purchase process, dealing with any unplanned or unforeseen challenges
  • Ensuring a smooth completion


We specialise in remortgages for professionals and high-income earners. Switching your mortgage product to a cheaper one can help you to save significant amounts of money over the entire term of your mortgage.

Remortgaging can be an effective way to

  • Reduce your monthly mortgage payments
  • Release equity from your property
  • Raise money for home improvements
  • Make changes to your mortgage term

Many lenders offer their clients the facility to renew their mortgage when their fixed or discounted rate ends, but this is not always the best option. In fact, with interest rates at historic lows, there are many reasons to switch to a new mortgage deal.

Many mortgage lenders will offer significant incentives to encourage you to move, including a free valuation and free legal costs to encourage you to switch mortgages. However, you must weigh up the total cost of borrowing, including monthly mortgage repayments, arrangement fees and any additional costs you may be liable to pay. With the typical fee a lender charges over £1,000, it can pay to do your research.

At London FS, we can help you work through your mortgage borrowing options and identify the most suitable product. The market is saturated with mortgage deals, so how can you select the best one? By working with a tried and trusted London mortgage broker.

Our advisers can support you through the remortgaging process, helping you understand the total cost of borrowing. In addition, we can help you access exclusive mortgage rates often much lower than a lender’s standard variable rate.

When you work with London FS, a personal mortgage broker will support you from the initial enquiry, through the mortgage application process and until your deal is secured. It’s polite, personal and professional mortgage advice from a London mortgage broker you can trust.

Large Mortgages £1m+

As a specialist mortgage broker, we recognise the challenges that high-net-worth (HNW) income professionals can face when accessing finance. Unfortunately, many traditional mortgage brokers are unable or unwilling to deal with complex cases where income comes from non-traditional streams. This can mean you’re not able to secure the right mortgage loan for your purchase or remortgage. Our London mortgage advisers are experts at dealing with complex mortgage applications, securing sizeable loans for our clients.

Lenders can take many forms of income into consideration, including:

  • Share dividends
  • Bonuses
  • Sports career incomes
  • Royalty incomes
  • Offshore income
  • Inheritance
  • Pension funds
  • Stocks and shares

We’re professional at all times and respect your privacy. Our clients value the fact that we are a discreet, proficient mortgage brokerage that provides bespoke solutions. Whatever your situation or the size of your borrowing, we’ll work to deliver the best possible lending terms for your situation.

We have close relationships with lenders, from high street banks with high-value mortgage departments, private banks, challenger banks, building societies to boutique lenders, peer to peer lenders and family offices. This allows us to ensure we secure the best possible terms for you.

As well as single property purchases, we’re able to secure mortgages for a range of circumstances, including residential, commercial or mixed-use commercial units.

In all cases, we will always attempt to find a suitable solution. Mortgage lenders at this level don’t just look at income as their primary foundation for offering terms; they will assess the entire package.

This is why it’s critical to work with a specialist broker. At London FS, we can work with you to present the strongest possible case to each lender, putting you in the best position to secure the finance you need.

To discuss your mortgage requirements in the strictest confidence, please get in touch using the form or give us a call.

Speak to an experienced London mortgage broker

Contact us today if you’re searching for a new mortgage, want to remortgage, or simply want to chat with an independent mortgage adviser. You can complete the form below or call us to speak to one of our mortgage advisers. We’re polite, professional and discreet and deal with all enquiries in complete confidence.


Here are some common questions mortgage borrowers ask us.

A mortgage broker or mortgage adviser can help you search through a huge panel of lenders to secure a suitable mortgage loan at the best possible rate. The average house price in London is increasing rapidly, which means you must work fast. London mortgage brokers understand the local market and help home movers or first-time buyers access a mortgage at the lowest possible overall cost.

A professional independent London mortgage broker will make the mortgage application process as hassle-free as possible, leaving you to focus on the things that matter.

Our team of London mortgage advisers will work on your behalf to identify a suitable mortgage product for your needs. We work with a range of lenders to secure you the right mortgage, including:

High street banks with high-value mortgage departments
Private banks
Challenger banks
Building societies
Boutique lenders
Peer to peer lenders
Family offices

Quite simply, yes. The mortgage application process can be challenging, particularly for those with different or non-traditional income streams and high-net-worth individuals. At London FS, our expert mortgage advisers will identify the most suitable mortgage lender for your needs. Then, using our established relationships and professional approach, we can support you to secure suitable finance.

The property market changes frequently, and we’ll always bring you the latest mortgage deals as they hit the market. We’re always working on your behalf.

The amount you can borrow on a mortgage depends on your circumstances, including your financial position, declared earnings, any equity you have in an existing property and your credit history (credit rating). Each mortgage provider has its own criteria for assessing every mortgage application. As an experienced broker, we can provide impartial and expert advice and guidance to help you secure the best mortgage product for you and your financial circumstances. While mortgage calculators offer a general idea of the amount you can borrow, we can clarify your total potential borrowing. So don’t waste your time with mortgage calculators; give us a call today.
The UK property ladder is tough to get on, with property prices at all-time highs. This is more obvious in London; however, that doesn’t mean you won’t get a London mortgage. Working with experienced London mortgage advisers, such as London FS, will give the best possible chance of securing a mortgage at the best possible rate.
While it’s true that having a good credit history makes it easier to secure a mortgage, we can help anyone – including those with bad credit – find the right mortgage. You may not be able to access the lowest interested rates, but if you have access to a secure source of finance, we can help you secure a mortgage deal.
Our London mortgage advisers can help you secure a buy-to-let mortgage. Learn more about buy-to-let mortgages.
Yes, our professional financial advisers can help you to secure commercial mortgages if required.
Yes. We can help to arrange a second mortgage on your property if required.
Yes, our financial advisers can help you to secure other essential financial products, such as life insurance, private medical insurance and specialised finance products. You can learn more about our range of financial products on our website or by contacting us.
We have over 15 years’ experience obtaining favourable rates and terms for our clients. Offering a discreet and personal service for you. We understand your income, regardless of complexities and variants (income from different sources, projected incomes, bonuses, net profits and dividends) our job is to work for you. We have close relationships with lenders, from high street banks with high-value mortgage departments, private banks, challenger banks, building societies to boutique lenders, peer to peer lenders and family offices. This allows us to ensure we secure the best possible terms for you. To discuss your mortgage requirements in the strictest confidence please get in touch using the below form.

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+44(0) 208 427 5057

Call us or provide us with your details, for one of our brokers to contact you.