Specialists in London Mortgages

If you are looking to purchase in our capital city, London, then call us now as we are here and ready to help you, where we are used to dealing with enquiries to purchase property in terms of valuation and sometimes construction not seen in other parts of the UK

Home / Specialists in London Mortgages

Can we help with London Mortgages?

YES We Can

If you are looking to purchase in our capital city, London, then call us now as we are here and ready to help you, where we are used to dealing with enquiries to purchase property in terms of valuation and sometimes construction not seen in other parts of the UK.

In today’s very exciting property market, the slight ripple of concern following the decision to leave the EU seems to have been replaced by an acceptance that London is the first choice for many clients who work in the City or who have family or business connections in London and want to stay in that area.

We have a number of lenders who are looking at the high end of the property market, and we aim to move quickly to secure a mortgage where needed. Some of our lenders tend to take a slightly more flexible approach on affordability where clients have a secure career path with strong income stream. One of our lenders will consider up to 6x gross annual if they are happy with the client at 85% LTV.

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The government have also made buying in London for first time buyers a little easier with the Help To Buy Equity Loan Plan, where clients need only find a 5% deposit with the government putting in 40% to help first time buyers get their foot on the housing ladder.

If there are credit issues in terms of credit defaults, CCJ’S, Bankruptcy, IVA or Debt Management, we have lenders who are prepared to take a view of the credit profile, and depending upon when the adverse credit was registered, we can now offer mortgages at 95% LTV.

Some lenders also take a very different view on types of property in London, high rise flats and residential property above commercial premises that would not normally be considered outside of London.

We have over 50 years of experience in Financial Services, and we have the knowledge and experience to help you find the right lender to help you, on the most competitive terms. Please call us now if you would like to discuss your enquiry.

More Information About London Mortgages

What is the attraction you may ask, a very safe home for your investment in what is a Global downturn in the financial and property markets. We have a culture in the UK that we want to own the property that we live in, as any young person starting out on their working lives will confirm. At some stage, not too far down the road they want to purchase property, and live in it.

Even in this horrible downturn in the property markets, the demand is still there, what is holding clients back, is the lack of funding by lenders who no longer seem to want the first time buyer requiring high loan to value mortgages. When RISK is the unspoken word by lenders, can we see the return of 95% mortgages being freely available to first time buyers, in short NO.

However properties in London are a very special case and although the main high street lenders are unwilling in most cases to lend at more than 75% LTV when the mortgage is in excess of 1mill, there are a number of private banks and specialist lenders who are actively seeking the high net worth clients, who are experienced in property, and they can, if they are happy with the client, lend up to 90% LTV.

You may think that you would have to pay a premium interest rate for that facility, but that is not the case. The fees charged do reflect the very special level of service that you would enjoy, but what the lender is looking for is to manage all of your financial affairs, banking, investment, pensions, wills and trusts. As we have often said, there is no such thing as a free lunch, but the price maybe worth paying to enable you to borrow at the required level.
We have built into our normal service level to would be mortgage applicants, a special service for clients who wish to borrow to borrow in excess of 1mill, and no doubt most of those clients will be based in and around the City of London.

We of course welcome enquiries from anywhere in the UK, because there are always parts of the country that attract high net worth clients who are looking for that little extra level of service which we feel we can provide.

Why not call Michael Alexander now on 0800 802 1003 or 07867 794837, and see how with over 40 years of experience in financial services as an Independent Mortgage Adviser, we can help you to achieve your goals.

Let us help you get a mortgage >>

A fantastic service run by fantastic people. Always kept us updated a long the way from getting our mortgage offer all the way to completion, topped off by a lovely gift! Thank you Michael and Karen for everything you have done for us.
Dan and Chantelle
– Dan Webb – Reviews.co.uk

Relevant Products

Fixed Rate Mortgages

We can help with a range of fixed rate mortgage products with competitive rates and terms.

Tracker Rate Mortgages

If you are looking for a mortgage with a rate that follows the base rate set by the bank of England – we can help.

Capped Rate Mortgages

If you are looking for a capped rate mortgage we can help, we have access to a wide market of lenders who can help.

Bad Credit Mortgages

If you have bad or adverse credit we may be able to help you secure a mortgage – from IVAs to CCJs we can help.

Standard Variable Rate Mortgages

If you are looking for a standard variable rate mortgage with competitive rates & terms we can help.

Repayment Mortgages

We can help with repayment mortgages – you’ll make monthly repayments for an agreed period of time on capital & interest.

Can We Help?

The answer is – yes we can! Although we’re based outside of London, we help clients who are looking to finance property wtihin London and within the radius of the M25. From residential properties to commercial properties – A Mortgage 4 You has extensive experience in the mortgage sector. We offer a personalised service for our clients – helping to source competitive deals and rates for people in a variety of different circumstances.

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A MORTGAGE 4 YOU

Can we help you?

Get started today. Simply fill out our enquiry form and a member of the Michael J Alexander team will be in contact.

LONDON MORTGAGES & YOUR CREDIT PROFILE

Turned down elsewhere? We can help!

It’s no secret that the London property market has been exceptional over the years with significant increases to property prices. With elevated property prices it becomes more difficult for those with poor / bad credit to get a mortgage as the LTV requirements change. If you are looking to purchase a property in London & you are concerned about your credit file – why not get in contact with us to see how we could help.

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