Residential Mortgages

Buying a property will probably be the biggest financial commitment you’ll ever make and as we all know, obtaining your mortgage can be complex and stressful.

Why is why we are here to help.

From our initial conversation, to the application, mortgage offer and completion, at London Money, we make the process as straightforward as possible.

In fact, that’s our ‘raison d’etre’. Simple, Smart!

First Time Buyers

Getting onto the housing ladder has never been harder. But, we are hugely supportive of first time buyers and will do everything we can to help you achieve your dream of home ownership.

We want you to succeed and help you get on that first rung of the ladder.

If you have saved hard, or lucky enough to have support from your family, we can help you choose the right mortgage from the many thousands of products available.

However, if you aren’t in that position, we are experts in the various schemes currently available to help first time buyers.

Finally, if you’ve lost all hope and can’t see a way to get onto the housing ladder, our intimate knowledge of the mortgage market, and the fact we are independent advisers, allows us to consider other options you have not yet thought of.

If there’s a way to get you onto the housing ladder, you can trust us to find it.

No fuss, no hassle, just Simple, Smart Advice.

“As an IT contractor and first time buyers we were complete novices in the world of mortgages and Martin was great at patiently explaining any questions we had. We were attracted to the Help to Buy scheme as it allowed us to buy a better property than we would normally be able to afford with the deposit that we had saved. We spoke with other brokers but Martins recommendation saved us nearly £1,340 per month compared to the others. Above searching and advising an appropriate lender that suited our needs, Martin was also happy to help recommend other services that we needed to consider.  Overall we found Martin’s help invaluable as he assured us we would be able obtain a mortgage which enabled my wife and I to deal with other matters towards our first home.”

“My boyfriend and I used London Money as first-time buyers, and would highly recommend Martin. He was always on hand to help with queries, extremely responsive and explained everything in terms we could understand. Knowing he was on our side made our house purchase a lot less stressful, and it was great to have such personal service.”

Home movers

Moving home is never as simple as it should be, there are always complications.

Our experience, knowledge and easy manner, mean that getting your mortgage isn’t one of them.

Of course, your mortgage is a commitment which will last decades; you need to get it right. Fixed, discounted, tracker, capped, collar, the choice is frankly bewildering. As independent advisers we have hundreds of mortgage lenders and thousands of deals available to us.

We’ll make sure you get the mortgage that’s right for you.

But we’ll do even more.

From our initial discussions, right the way through to you getting the keys to your new home, we’ll hold your hand, sit in your corner and when necessary, put an arm around your shoulder.

To put it more simply, we are on your side.

No fuss, no hassle, just Simple, Smart Advice.

“You’ve all been on the case since the first introduction. I run my own business and firmly believe in good people doing a good job. It’s not rocket science, it’s a personal skill and work ethic. And there’s so many people that don’t understand the simplicity of it. The good folk always survive and get respect and praise. You obviously totally get that and it comes naturally. Well done and thank you again for doing a great job. I will be recommending you to everyone.”

“We had already exchanged on our purchase and had less than 10 days to arrange our mortgage. Our situation was tremendously complicated and, coupled with needing assistance when everyone seemed to be on holiday, we were in danger of not meeting our completion date. Thankfully the team at London Money stepped in and (via a yacht in the Med, a sun lounger in Tenerife and Jon and Martin in London) our mortgage was agreed and we completed on time – just!. A great job and a fantastic service. Thank you.”

Remortgages

Most mortgages take decades to repay, but that doesn’t mean you have to stay with the same lender.

Since the financial crisis, we’ve seen interest rates fall and new banks entering the market. That’s a combination which puts you, the borrower, in control.

As independent mortgage advisers we’re in your corner, advising you on the best option for you.

That might be to stay with your existing lender and renegotiate your deal, it might mean considering an alternative.

You might be paying your lender’s Standard Variable Rate and want to reduce your payments; alternatively, now might be the right time to consider a fixed rate.

Whether you are coming to the end of your current mortgage deal, or you’re paying your Standard Variable Rate, you can trust us to give truly independent mortgage advice and do what’s right for you.

No fuss, no hassle, just Simple, Smart Advice.

“I was highly impressed with the very personal service from London Money, I cannot adequately express how helpful they were and I am the third person in my family to use their services which is a testament to how incredibly good they are. The whole process was made stress free by the kindness and simplicity which I was showed. Everything was explained to me carefully and every step of the way I was able to speak to Martin Foad whatever time I called. If you, like me, have been looking for a good broker for a while, consider yourself lucky, you’ve finally struck gold!”

“I have dealt with Jonathan at LM for a number of years and have purchased two properties and arranged several mortgages and life insurance via LM. They are excellent at monitoring my account on an ongoing basis and at pro-actively contacting me to obtain follow on terms, such as renegotiating my mortgage rate, as and when required.  I am very happy to recommend Jonathan and have found dealing with him a pleasure – the process is always straightforward and has saved me a great deal of time and money over the years.”

Large Loans (over £1m)

We predominantly give mortgage advice in London and the South East, that means we are experienced in dealing with large loans.

These types of mortgage can be complex and need extra care, attention, and often, some creative thinking, to guarantee you get the right loan for you.

Our intimate knowledge of the mortgage market, plus our ability to think creatively, looking for options others might not see, makes us the perfect choice for anyone who needs a large mortgage loan in London or the South East.

The increased complexity of large loans means it’s vital to have someone in your corner, fighting for you and making sure you get the keys to the house of your dreams.

No fuss, no hassle, just Simple, Smart Advice.

“Jonathan and the LM team have given us invaluable advice and support over the years, negotiating mortgages on our first property purchases through to more complex restructuring as our requirements, needs and the market have changed. Their track record in sourcing and executing the right deal, regardless of the turbulent macro-economic backdrop, is outstanding and we would highly recommend them.”

“Using London Money made the process so much easier. I’m so busy with my job that I needed somebody to just sort out the best mortgage for me and keep me up to date with the process, which is exactly what Martin did.”

Capital raising

There are many reasons why you might want to raise capital against your home.

Whilst the goal might be clear, the solutions are often far more complex.

A remortgage might be the right option; if it is, we’ll research the market and find the right loan for you, from the thousands available.

If you are tied into your current mortgage deal and have penalties to end it, or the interest rate you are being charged is very competitive, a remortgage might not be the right option.

If that’s the case, we will consider a secured loan. This allows you to raise capital, but keep your current mortgage; giving you the best of both worlds.

As independent mortgage advisers we’ll do just that; advise you on the best possible option and then make it happen.

No fuss, no hassle, just Simple, Smart Advice.