Greater London ยท England
Unmortgageable Property Finance in London
Plenty of people in London hear a no from a bank and assume that is the end of the road. In practice, London is home to a huge share of leasehold flats, ex-local-authority blocks and period conversions, where short leases, cladding and above-shop flats are common sticking points, and specialist lenders exist for exactly the cases the mainstream turns away. Here is how to work through your options calmly.
From Croydon, Ilford and Bromley to the centre of London, we explain the options without jargon. It costs nothing to read anything here and there is no pressure to act. If it helps, the free situation check turns your circumstances into a clear summary you can take to a broker.
How we can help in London
If your credit is the issue
We explain how CCJs, defaults and missed payments look to lenders, and the specialist routes open to people in London.
If your income is complex
Self-employed, contract or company income is common and workable with the right lender and the right paperwork.
If the property is the problem
Older, non-standard and leasehold homes are part of the housing mix here, and each has lenders that understand it.
If your deposit is small
Low-deposit deals, shared ownership and family support can all help you get started.
Free situation check
Not sure where you stand?
Answer a few plain questions about your credit, income or property. In about a minute you will see what the market usually looks like for people in your situation, and the routes worth exploring next.
No cold calls. No data selling. No contact details until you ask us to help.