The 20 Best Mortgage Advisors in London

Charles Cameron & Associates suits employees whose employer offers a mortgage advice benefit, as well as individuals who want advice of their own. The Blackfriars team searches across the whole mortgage market for residential and buy-to-let purchases and remortgages, and also arranges bridging, secured and lifetime mortgages. Each client has a dedicated adviser and an administrator to keep the paperwork moving. Life insurance, critical illness cover and income protection can be arranged alongside the mortgage.

The range of specialist cases is wide, with dedicated guidance for the self-employed, contractors, company directors, bonus and commission earners, UK expats and foreign nationals. Straightforward first-time buyer, home mover and remortgage cases are covered too, as are buy-to-let purchases through a limited company, portfolio and HMO lending. Bridging loans and protection such as life and critical illness cover can sit alongside the mortgage. A meeting can be booked online or a call requested with an adviser.

Founded more than 17 years ago by three mortgage brokers, this firm takes on cases from first-time buyers and contractors to expats, professional landlords and high net worth clients, including loans above £1 million and private bank lending. It has access to a panel of over 90 lenders and can arrange life insurance, critical illness cover and income protection, as well as advice on writing a valid Will. Appointments can be made by phone, through an online calendar or WhatsApp, or in person at one of its offices.

This adviser is aimed at buyers, home movers and landlords around Epsom, Cheam, Surbiton and Sutton, the areas it names as its patch. It handles first-time buyer and home mover mortgages, remortgages and buy-to-let, including for accidental landlords who are letting out their previous home, and arranges protection cover. A panel of over 80 lenders is available. The firm charges a fee of £199 to £499 depending on the case and also receives commission from the lender, and clients get in touch by phone or email.

Launched in 2019 and based at the Stanmore Business and Innovation Centre, this firm advises on mortgages, protection and commercial lending. On the mortgage side it looks across the whole market, covering first-time buyers, remortgages, buy-to-let and let-to-buy, limited company buy-to-let, contractors, the self-employed, foreign nationals and expats. It suits north-west London borrowers who also need cover or business finance from the same adviser. Enquiries go through an online form or by phone.

The adviser behind this firm works under the Openwork network and takes on first-time buyers, home movers, remortgages and buy-to-let, as well as large loans of £1 million or more, complex income, high net worth, self-employed and HMO or investment cases. A service called FlexiLock secures a deal around six months before the current one ends, with the option to switch if a better rate appears. Protection advice and access to over 80 lenders are included. Contact is by phone or a call-back form.

Borrowers with an overseas connection are the focus here: British expats, foreign nationals, non-UK residents and clients earning in currencies such as US dollars, dirhams or Singapore dollars. The firm arranges residential, buy-to-let and remortgage lending, including offshore and SPV structures and loans of £1 million and above, drawing on high street banks, private banks and expat specialist lenders. Much of the process can be handled digitally with UK-based advisers, so overseas clients usually do not need to travel. The first consultation is free and any fee is quoted in writing.

Larger and more specialist borrowing is the focus, with domestic and commercial clients who want to borrow £500,000 or more. The list of products runs from large mortgages, expat, buy-to-let, contractor and self-employed mortgages to first-time buyers, private bank lending and commercial, bridging and development finance. Advice is offered on a whole of market basis, and the firm works as an appointed representative of Mortgage Force. Any fee is explained early on, and the contact is by phone or email.

Habito is built for people who would rather arrange a mortgage or remortgage online than in an office. Qualified brokers search thousands of deals from over 90 lenders, and the advice is free to the borrower. The site's guides cover first-time buyers, moving home, remortgaging, buy-to-let, self-employed and bad credit mortgages, which gives a sense of the cases it handles. The whole process runs through its website, with brokers regulated by the FCA.

Mayfair-based and directly authorised by the FCA, this broker covers a wide span: residential purchases, self-build, shared ownership, later life and adverse credit cases, buy-to-let for individuals and limited companies, lending of £1 million or more, and expat and foreign national mortgages. It searches the whole market, including private banks and bridging, development and commercial funders, and arranges life insurance, critical illness and income protection. Most work is done by phone, video and secure email, with a free first conversation and a fee agreement set out before anything goes ahead.

This Arnos Grove adviser does not charge clients a fee, being paid instead by the lenders it introduces them to. It is untied to any lender and handles first-time buyer, next-time buyer, remortgage and buy-to-let cases, as well as commercial mortgages and help for people with credit problems. The service is personal rather than passed to a third party, with lines open from 8am to 8pm every day of the week.