Later Life Lending in London: Equity Release and Retirement Mortgages Explained
London Office | May 2026 Later life lending covers a range of mortgage and finance products designed for homeowners who are typically aged 55 and over. Whether you want to release equity from your home, supplement retirement income, make home improvements, help family members, or repay an existing mortgage, there are options available — but […]
Complex Income Mortgages in London
London Office | May 2026 Not everyone earns a straightforward salary. If your income includes bonuses, commission, dividends, retained profits, stock options, RSUs, carried interest, LLP drawings, or income from multiple sources, you may find that some lenders’ affordability assessments do not capture your full income picture. In London, where City, professional, and international roles […]
Shared Ownership in London: Is It Worth It?
London Office | May 2026 Shared Ownership can be one route onto the property ladder for buyers who cannot afford to purchase a suitable home outright on the open market. In London, where property prices are among the highest in the UK, it is a route that many first-time buyers consider. But it is not […]
Adverse Credit Mortgages in London
London Office | May 2026 Having adverse credit does not automatically prevent you from getting a mortgage. It does, however, reduce the number of lenders willing to consider your application, and it can affect the rates and terms available to you. In London, where property prices are higher than in many parts of the UK, […]
Portfolio Landlord Mortgages in London: Rules for 4+ Properties
London Office | May 2026 If you own four or more distinct mortgaged buy-to-let properties, lenders will generally treat you as a portfolio landlord for underwriting purposes. This triggers additional underwriting requirements that go beyond a standard buy-to-let application. Portfolio landlord underwriting standards have been shaped by Prudential Regulation Authority (PRA) guidance in place since […]
First-Time Buyer Mortgages in London: What You Need to Know
London Office | May 2026 Buying your first home in London is challenging because property prices are high relative to most other UK markets. Most first-time buyer purchases in London exceed the £300,000 stamp duty nil-rate threshold, which means larger deposits, higher income requirements, and — for many buyers — some stamp duty as part […]
Bridging Finance in London: When and How to Use It
London Office | May 2026 Bridging finance is a short-term, secured loan designed to fill a gap between two property transactions. It is not a substitute for a mortgage — it is a temporary funding solution that provides fast access to capital when speed or timing makes a conventional mortgage impractical. In a market where […]
London Property Market Forecast 2026: What Buyers and Sellers Need to Know
London Office | May 2026 The London property market in 2026 presents a mixed and at times contradictory picture. Official data from the Office for National Statistics shows London house prices falling year on year, while several national forecasters project a return to modest growth over the course of the year. For buyers and sellers, […]
New Build Mortgages in London: What Buyers Should Know
London Office | May 2026 Buying a new build home in London is different from buying an existing property, and the mortgage process reflects that. Lenders apply different criteria to new builds, developers offer incentives that can affect your borrowing, and the timelines involved are often longer and less predictable — particularly for off-plan purchases, […]
Self-Employed Mortgages in London: How to Get Approved
London Office | May 2026 If you are self-employed and looking to buy a home in London, the mortgage process works differently to a standard employed application. You will not see products labelled “self-employed mortgages” — the products are the same, but the way lenders assess your income is different. This guide explains what lenders […]