Greater London • Independent Mortgage Adviser

Mortgage Adviser in City of London

The City of London's residential market is dominated by high-rise flats, many leasehold. Lenders apply specific criteria to high-rise residential and short-leasehold properties. We advise buyers on which lenders are comfortable with City of London apartments and what lease length requirements apply.

£750,000
Average property price
£75,000
Typical 10% deposit
90+
Lenders we access
Get Free Mortgage AdviceCall 0844 884 9748

Mortgage advice for City of London buyers

Small but iconic — high-rise residential above the financial district.

City workers, investors, and international buyers seeking pied-à-terre or rental investments.

As an independent whole-of-market adviser, we search 90+ lenders to find the right mortgage for your specific circumstances in City of London — not just the most prominently marketed product.

What we advise on in City of London

  • First time buyer mortgages
  • Remortgage and product transfers
  • Buy to let — personal and limited company
  • Self-employed and contractor mortgages
  • High-value and complex income cases
  • Protection insurance advice
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Mortgage advice FAQs for City of London

Do lenders have concerns about high-rise flats in the City of London?
Some lenders restrict lending on buildings above a certain height or percentage of flats in a block. Post-Grenfell, EWS1 certificates may be required. We identify lenders whose criteria match the specific building you're purchasing.
What lease length do I need on a City of London flat to get a mortgage?
Most lenders require 85+ years remaining at the end of the mortgage term. We check this early in the process and, where the lease is shorter, advise on extending before or simultaneously with the purchase.
I want to buy a City of London flat as a pied-à-terre investment — how is this treated?
Buy to let criteria apply if you intend to rent it out. If it will be a second home, standard residential criteria apply. The distinction matters for stamp duty (additional 3% for second properties) and lender choice. We advise on the most appropriate structure.

Ready for expert mortgage advice in City of London?

Free initial consultation. We respond within 2 hours.

Get Free AdviceCall 0844 884 9748

Your home may be repossessed if you do not keep up repayments on your mortgage.