Mortgage Broker in London
Whole-of-market advice for first-time buyers, home movers, remortgage customers and landlords across Greater London — matched to your income, deposit and circumstances, not just the headline rate.
- Access to a broad range of UK mortgage lenders
- Local knowledge of London's boroughs and property market
- Advice tailored to your individual circumstances
- Support from your initial enquiry through to completion
broad range of UK lenders
Momentum Financial Services Ltd · FRN 1011740
a real adviser, start to finish
rates, fees & total borrowing
Tell Us About Your Mortgage Needs
Share a few details about your situation and one of our advisers will get back to you with tailored advice, built around your circumstances — not just headline rates.
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Tell us about your situation and we'll get back to you with tailored advice.
Mortgage Broker in London for Tailored Mortgage Advice
Falcon Finance delivers tailored, whole-of-market mortgage advice across Greater London, helping buyers, movers and investors secure suitable finance based on lender criteria and affordability. Whether you need first-time buyer mortgage advice, support with a home mover mortgage, help arranging a remortgage, or guidance on a buy-to-let mortgage, we can compare suitable lenders and explain your options clearly.
We assist clients in areas including Bromley, Lewisham, Croydon, Greenwich and surrounding boroughs.
About the London Property Market
London remains the UK’s highest-value housing market, with average property prices generally ranging between £525,000 and £550,000, although this varies significantly by borough. Prime central areas can exceed £900,000 on average, while outer boroughs such as Bromley and Bexley often sit between £400,000 and £500,000. Flats across the capital average approximately £420,000, reflecting the high proportion of apartment living, while detached properties command substantially higher figures. Borough-level variation is considerable, making it essential to assess lender affordability criteria carefully, particularly where higher loan sizes and stricter stress testing apply. For wider context, buyers can review the latest UK House Price Index from HM Land Registry before comparing mortgage affordability and lender criteria.
Because London property prices are often higher than other UK regions, some borrowers may need support with large mortgage loans, private bank mortgages, or more detailed affordability planning. Investors purchasing rental property in London may also benefit from advice on limited company buy-to-let mortgages or standard buy-to-let mortgage options.
Mortgage Services in London
Our Services Include:
First-Time Buyer Mortgages
Guidance on deposits, schemes and affordability for your first home.
Our whole-of-market approach ensures your financing matches your personal and financial profile.
Why London Clients Choose Falcon Finance
London borrowers can sometimes face more complex lender checks, especially where income is variable, credit history is not straightforward, or the loan size is higher than average. Falcon Finance can help with adverse credit mortgage advice, specialist mortgage cases, and suitable lender options for clients with more complex circumstances.
Read More From Our Guides
Plain explanations of the decisions behind a purchase or a remortgage in this area.
Buying a Home in 2026
Every stage from agreement in principle to the day you get the keys.
Stamp Duty Explained
Current rates, first-time buyer relief and the surcharges that catch people out.
How Much Deposit Do You Need?
What each deposit size actually reaches, and what staying small costs you.
Start Your Mortgage Journey
Clear, structured mortgage advice, built around your circumstances — for clients across London and the surrounding boroughs.
Read our mortgage guide, view our frequently asked questions, or explore mortgages for your profession.
Mortgage Questions From London Buyers
What do lenders check on a London leasehold flat?
The remaining lease term first, because most lenders want a meaningful number of years left after the mortgage ends. Then ground rent and service charges, the proportion of privately owned flats in the block, whether the flat sits above or near commercial premises, and the building’s construction and safety documentation. Any one of those can move a case from straightforward to specialist, so it is worth establishing them early.
Does cladding or an EWS1 form still cause problems?
Less than it did, but it has not gone away. Lenders now take a more proportionate view on buildings within the government remediation schemes, and many will lend where the paperwork is in order. Where documentation is missing or the building is outside those schemes, the panel narrows sharply. Getting the position confirmed by the managing agent before an offer is made saves considerable time.
Can I buy in London with a five per cent deposit?
Yes, products exist at ninety-five per cent loan to value, but in London the constraint is usually affordability rather than the deposit. On typical London prices, income multiples bite before the deposit does. Some lenders will stretch to five or six times income for particular professions or higher earners, which often makes more difference than finding a marginally cheaper rate.
Are ex-local-authority flats harder to mortgage?
They are perfectly mortgageable, but criteria vary more than on most property types. Some lenders apply limits on the number of storeys, deck access or the proportion of the block still in council ownership. Others have no such restrictions at all. This is a case where knowing which lender to approach first matters more than the headline rate.
Is shared ownership worth considering in London?
For many buyers it is the difference between buying and not buying. The mortgage is smaller and the deposit is calculated on your share rather than the full value, but you also pay rent on the remainder, and lenders assess the rent and service charge as commitments. The total monthly cost is what matters, and it is not always lower than a conventional purchase.
Do London prices falling change whether I should buy?
It changes your negotiating position more than it changes the decision. A softer market gives you room to negotiate, but affordability testing is unchanged, so the question is still whether the payment is comfortable with room to spare. Waiting is not free either, because cheaper mortgages tend to bring buyers back and support prices.
Which London areas do you cover?
All of them. We are based in Eltham and work most often across South East London, including Bromley, Lewisham, Catford, Chislehurst and Sidcup, but lender criteria are national and most cases are handled by phone and video. Where you live in London makes no difference to the advice or the lenders available to you.
Have a different question? Get in touch or read our full mortgage FAQs.