Greater London • Independent Mortgage Adviser

Mortgage Adviser in Kensington and Chelsea

Kensington and Chelsea represents the peak of the London property market. At this level, mortgage advice is genuinely bespoke — private banks, wealth managers, and specialist lenders operate alongside mainstream lenders. We advise buyers on the full range of financing options available at this price point.

£1,200,000
Average property price
£120,000
Typical 10% deposit
90+
Lenders we access
Get Free Mortgage AdviceCall 0844 884 9748

Mortgage advice for Kensington and Chelsea buyers

London's most expensive borough — prime and super-prime property market.

Ultra-high-net-worth buyers, overseas investors, and wealthy professionals in prime London.

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

What we advise on in Kensington and Chelsea

  • 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 Kensington and Chelsea

Do I even need a mortgage for a Kensington and Chelsea property?
Many buyers at this level purchase cash, but using a mortgage can make financial sense — preserving liquidity, leveraging low rates against invested capital, or for tax planning purposes. We advise on the full financing picture, including when a mortgage adds value even when cash is available.
Which private banks offer the best mortgages for prime London properties?
Private bank relationships are bespoke and depend on your overall wealth profile, not just the mortgage. As an independent adviser, we have relationships with a range of private and specialist lenders and can advise on who to approach for your specific situation.
What are the stamp duty costs for a £1.2m purchase in Kensington?
On a £1.2m residential purchase, stamp duty is approximately £63,750 for a primary residence, rising to £99,750 if it's a second property (with 3% surcharge). These are significant costs that we factor into your overall financing plan from day one.

Ready for expert mortgage advice in Kensington and Chelsea?

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.