Buying property in London comes with unique challenges – high house prices, competitive bidding, and complex mortgage requirements. Many buyers assume they need a London-based mortgage broker to navigate the market, but that often comes at a premium.
At Helen Ferneyhough Associates, we provide expert mortgage advice for London buyers at fair, transparent, and competitive rates – without inflated fees typically associated with the capital. Our northern-based firm offers wide mortgage market mortgage solutions tailored to London buyers, often at a fraction of the cost.
Do You Need a Mortgage Broker for London Property?
London’s property market moves fast, and buyers need to be well-prepared to secure a mortgage quickly. Here’s why working with an experienced mortgage broker is essential:
1. Access to Exclusive Mortgage Deals – We have relationships with lenders who specialise in London properties, including high LTV mortgages for first-time buyers and competitive remortgage options.
2. Expert Guidance on Affordability – London properties often come at a higher price to the rest of the country, which is why its so important to review your affordability criteria as soon as possible. We will help you with this and plan for the future.
3. Fast-Tracked Applications – With London’s fast-moving market, we ensure that your mortgage application is processed as quickly and efficiently as possible, giving you an edge over other buyers.
4. Bespoke Solutions for High-Value Mortgages – Whether you’re purchasing a prime London property or securing a mortgage for a buy-to-let investment, we tailor our approach to your needs.
We Can Help You Find the Right Mortgage
At Helen Ferneyhough Associates, we offer:
- Fixed, transparent pricing – We offer full transparency and upfront pricing for any charges or payments we receive.
- Personalised service – You’ll get a dedicated mortgage expert guiding you through the process.
- Access to the same mortgage deals as London-based brokers – helping you find the right mortgage for your circumstances.
We understand that whether you’re buying in Manchester, Birmingham, or London, you deserve quality mortgage advice at a fair price.
How We Help London Homebuyers and Investors
Whether you’re a first-time buyer, home mover, or property investor, we help secure the most competitive mortgage deals available.
1. First-Time Buyers in London
High property prices mean first-time buyers often struggle with affordability. We can help with:
- ✔ Low-deposit mortgage options (including 5% deposit mortgages)
- ✔ Shared ownership and Help to Buy schemes
- ✔ Affordability assessments to maximise borrowing potential
2. Remortgaging in London
If your fixed-rate mortgage is ending, switching to a new deal before moving onto your lender’s standard variable rate (SVR) could save you thousands. We help London homeowners:
- ✔ Find the right rates for your circumstances, even in a rising interest rate market
- ✔ Access exclusive remortgage deals
- ✔ Release equity for home improvements or investment
3. Buy-to-Let Mortgages for London Investors
London’s rental market remains strong, but buy-to-let mortgage rules are stricter than ever. We support property investors by:
- ✔ Sourcing competitive buy-to-let mortgages
- ✔ Helping landlords navigate tax changes
- ✔ Advising on portfolio expansion and refinancing
London Mortgage Solutions
Whether you’re buying a home in Zone 1 or Greater London, securing a remortgage, or investing in property, Helen Ferneyhough Associates provides mortgage advice at competitive rates.
- ✔ Expert mortgage advice for London buyers
- ✔ Transparent, fixed fees—no inflated costs
- ✔ A wide variety of lender access
Contact us today to discuss your London mortgage options and find out how we can help.
Important Notices
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500, and this will be discussed and agreed with you at the earliest opportunity.
Your home may be repossessed if you do not keep up repayments on your mortgage.
