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Mortgage Broker In London

Mortgage Broker In London

GHL Direct is a leading mortgage broker in London, offering expert advice and competitive rates on a wide range of mortgages. We have access to a wide range of lenders, so we can help you find the best mortgage for your needs, whether you're a first-time buyer, buying to let, or remortgaging.
You'll save time.

We’ve helped thousands of home buyers get a mortgage in London, so we know what it takes to get your mortgage application approved first time.

You could save money

We have a team of experienced and qualified mortgage brokers in London who can help you with every step of the mortgage process, avoid hidden fees and get the best rates.

You'll get access to more products.

Compared to going directly to a lender, a mortgage broker has access to thousands of mortgages. As a result, you’re more likely to find a mortgage rate that meets your needs.

Get a Mortgage in London

01.
Book a fee free call

We make getting a mortgage in London easy and it takes just 30 seconds to book your fee free consultation.

02.
Chat to a mortgage broker

We’ll discuss your needs and requirements, and then we’ll search the market for the best mortgage deal for you.

03.
Apply for a mortgage

Once we’ve found the right mortgage for you, we’ll help you with the application process and make sure that everything goes smoothly.

BOOK A FREE MORTGAGE CALL
Monday – Friday available from 8am – 8pm
We do weekends too
Saturday – Sunday from 9am – 6.30pm
Face-to-face, over the phone or via video chat

Our Mortgage Services

We offer a wide range of mortgages in London, including First-time buyer mortgages, Buy-to-let mortgages, Remortgages, Self-employed mortgages, Bad credit mortgages and Commercial mortgages.

London Mortgage Tips

Getting a mortgage in London can be challenging, but it's definitely possible with the right help. Here are a few tips:

Save a deposit. The larger your deposit, the better your chances of being approved for a mortgage and getting a lower interest rate. In London, you’ll typically need a deposit of at least 5% for a first-time buyer mortgage, but some lenders may require a larger deposit.

Improve your credit rating. Your credit rating is one of the most important factors that lenders will consider when assessing your mortgage application. A good credit rating shows lenders that you’re a responsible borrower and that you’re likely to repay your mortgage on time.

Get mortgage advice from a qualified broker. A mortgage broker can help you find the right mortgage for your needs and circumstances, and they can also help you with the application process.

BOOK A FREE MORTGAGE CALL
With GHL Direct, you can increase your chances of being approved for a mortgage and getting the best possible deal.

Consider a Help to Buy mortgage. The Help to Buy scheme is a government scheme that can help first-time buyers and home movers to buy a property in London. Under the scheme, the government can lend you up to 20% of the purchase price of a new-build property, or 40% of the purchase price of a resale property. You’ll need to save a deposit of at least 5% yourself.

Look for properties with longer leases. Properties with shorter leases can be more difficult to mortgage, as lenders may be concerned about the value of the property falling at the end of the lease. If you’re buying a leasehold property, try to find one with a lease of at least 80 years remaining.

Be prepared to pay a higher interest rate. Mortgage interest rates are typically higher for properties in London than they are for properties in other parts of the UK. This is because property prices in London are higher.

BOOK A FREE MORTGAGE CALL
  • What does a mortgage broker in London do?

    A mortgage broker in London is a financial professional who helps borrowers find and secure mortgages. They work with a variety of lenders and can offer borrowers a wide range of mortgage products to choose from. Mortgage brokers can also help borrowers with the mortgage application process and provide guidance on how to improve their chances of getting approved.

  • Why should I use a mortgage broker in London?

    There are many benefits to using a mortgage broker in London. Mortgage brokers have access to a wide range of lenders and mortgage products, which means they can find the best deal for your individual needs. They can also help you with the mortgage application process and provide guidance on how to improve your chances of getting approved.

  • Are there costs to use a mortgage broker in London?

    Your first meeting with a GHL Direct financial advisor is always free and without obligation. Our mortgage advisors may charge a fee, depending on the complexity of your case.

    Some mortgage brokers charge a fixed fee upfront, ranging from £195 to £499. Others charge a commission from the lender or bank providing the loan. Your mortgage advisor will explain their fee structure to you at the start of your meeting.

    NHS staff and teachers can get free mortgage advice from us, meaning you won’t pay a penny in broker fees.

  • What questions should I ask a mortgage broker in London?

    Here are some questions you can ask your mortgage adviser:

    – How much can I borrow?
    – What type of mortgage is best for me?
    – What are the interest rates and fees?
    – What are the monthly repayments?
    – What happens if I can’t afford to make my repayments?
    – What are your qualifications and experience?Wha
    – What is your fee structure?
    – How many lenders do you work with?
    – What types of mortgage products do you offer?
    – What is the mortgage application process like?
    – What can I do to improve my chances of getting approved for a mortgage?

  • How much deposit do I need for a mortgage in London?

    The amount of deposit you need for a mortgage in London will vary depending on the lender and the type of mortgage you are applying for. However, most lenders require a deposit of at least 5% or 10% of the purchase price of the property.

  • Can I get a mortgage in London with previous credit problems?

    Yes, you may be able to get a mortgage in London with previous credit problems. However, you may need to pay a higher interest rate or put down a larger deposit.

  • I'm self-employed in London, can I get a mortgage?

    Yes, we can help you find the right self employed mortgage in London However, you would need to provide additional documentation to verify your income which our adviser can explain to you on your call.

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CUSTOMER SERVICE RATING

Fantastic service. Friendly, knowledgeable, reliable. Martin was the only mortgage advisor that who could get me a mortgage through determination and being dedicated to my needs.

Louise Kirk-Spencer

via reviews.co.uk

Get a mortgage in London

Navigating the complex world of mortgages can be a daunting task, especially for first-time buyers. This is where a mortgage broker in London can be an invaluable asset. With their expertise and knowledge of the local market, they can help you find the right mortgage deal for your specific needs and circumstances.

Our London mortgage brokers have access to a wide range of mortgage products from a variety of lenders, including many that are not available directly to the public. This means they can compare rates and terms from different lenders to find the right deal for you.

  • Expert Guidance and Tailored Advice
  • Streamlined Application Process
  • Ongoing Support Throughout the Mortgage Process

Your home or property may be repossessed if you do not keep up repayments on your mortgage. Some buy to let mortgages are not regulated by the Financial Conduct Authority.

Book today for a fee free mortgage consultation.

BOOK A FREE MORTGAGE CALL

CALL US

0845 3700 172

E-MAIL

hello@ghldirect

ADDRESS

Brightfield Business Hub

ONLINE

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GHL Direct is a trading style of GHL Network Services Ltd which is an Appointed Representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Will Writing, EPC Products & Conveyancing are not part of the Openwork offering and are offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. Will Writing, EPC Products & Conveyancing are not regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 30/01/23

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