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



If you're searching for a new mortgage or remortgaging your London property, London FS can help you find the best deal. We're an independent London mortgage broker specializing in advising for high-net-worth clients.

The UK property and mortgage markets are known for being fast paced and very competitive!  At London FS, we pride ourselves on being responsive, reliable and creative. Working closely with you to secure the best mortgage deal quickly and with the minimum of stress.

We can help you secure new residential mortgages (including large £1m+ products) or help you to remortgage to a better deal.

We have over 15 years of experience obtaining favourable mortgage rates and terms for our clients and 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 who understand your true financial position. Many of lenders we work with look at your client profile and assets income.


Residential Mortgages London


The London mortgage market is fast-pace and in recent years we have seen average house prices increasing 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.

Our advisors help you to compare mortgages, discuss the advantages and disadvantages of each different scenarios and are here to act as support for your 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, including:

  • 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 form 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
  • Completing the deal and securing your mortgage

We offer end-to-end mortgage advice and support to ensure you get the right mortgage


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.

Frequently asked questions

Here are some common questions mortgage borrowers ask us.

Why work with a London mortgage broker?
What do London mortgage brokers do?
Can you help me get a mortgage?
How much can I borrow?
Can I get a London mortgage?
I have adverse credit. Can you help?
Do you provide buy-to-let mortgages?
Can you help me secure a commercial mortgage?
Can you help me arrange a second mortgage?
Do you offer other financial advice?
Mortgage Experience


Call us on +44(0) 208 427 5057

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

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