London Office

Office 7
35-37 Ludgate Hill

Mortgage Advisers based in London

For mortgage advice in London, contact the The Mortgage Hut. Give our London office a call to make an appointment with a qualified, professional mortgage adviser. With access to thousands of mortgage products, The Mortgage Hut London can help you find the perfect mortgage to meet your requirements. 

Mortgages for First Time Buyers - London

We know it’s not easy for first time buyers in today’s market (especially in London!!) and The Mortgage Hut team is here to help. We are proud to be able to help lots of first time buyers take their first step on the property ladder. With so many different mortgage deals out there, it can be hard to compare and contrast them. However a knowledgeable mortgage adviser, can help scour the market to find the perfect deal for you.

First time buyers in London can also benefit from added support from their adviser throughout the mortgage application process, taking away some of the stress of making your first property purchase.

London Help to Buy Schemes

There’s good news for those struggling to purchase a property in London, the government’s Help to Buy scheme has been extended to reflect current property prices in the city. It is now possible to borrow up to 40% (compared to the previous 20%) of a property’s value as an equity loan from the government. There are however a number of restrictions to the scheme which include:

  • You must have at least a 5% deposit
  • You must not own any other property
  • You must buy a new build home
  • The home must not be more than £600,000
  • You cannot sublet your home
In addition to this, the mortgage that you use alongside the scheme is only offered by a selection of banks and building societies and there are some strict rules applied when it comes to income multiples and debt to household income ratios.

The Mortgage Hut London can help you if you think you may be suitable for the scheme and want to find out more or if you have already found a property through the London Help to Buy scheme and need help finding a suitable mortgage. Just give us call to speak to an adviser.

For more information on Help to Buy London:

How to Remortgage your Home in London

Many London homeowners could save hundreds of pounds a month by remortgaging to secure a better mortgage deal. The Mortgage Hut have access to a wide range of mortgage products, from high street lenders and specialist companies. After just a quick assessment of your finances we can start searching for the best deal to meet your circumstances. Leave all the leg work to our mortgage advisers who will work tirelessly to find you the perfect mortgage!

The Mortgage Hut can also help those wanting to remortgage to release some of the equity in their home. Many London homeowners have seen the value of their property increase significantly over the past few years. It may be possible to release some funds to use to remodel, settle debts or enable you to purchase a buy to let property.

Whatever your reason for remortgaging, speak to The Mortgage Hut London, for friendly professional advice. 

Buy to Let Investments in London

With property prices continuing to increase in London, there is ever growing demand for rental properties in the city. There are still plenty of areas in London which offer good potential for investment. As with any buy to let purchase, make sure you do plenty of research when choosing a buy to let property in London. Areas with good transport links into the city centre, close by amenities such as shops and leisure facilities and good schools will always be popular.

Whether you are a first time investor or already have a portfolio of properties, there’s lots to think about when purchasing a buy to let property, so when it comes to your buy to let mortgage, why not take away some of the stress by letting The Mortgage Hut London do the work for you?

With just a short assessment of your circumstances, our professional advisers can search the market for the the best mortgage and insurance products for your needs and deal with the mortgage application too, leaving you time to concentrate on the other aspects of your purchase.

The Property Market in London

London is very popular with investors from both the UK and elsewhere and many properties are bought to rent out. With the city centre out of the majority of people’s price range, areas on the outskirts of London with good commute times are popular with young professionals and families. Regeneration projects and transport upgrades are changing the areas which potential buyers would normally consider when looking for a home in the city. There are  many new build developments in and around the city some of which, if your are eligible, it is possible to purchase with the help of the London Help to Buy scheme.

London house prices in the past year had an average of £663,288 which is 3% up on the past year and 18% up on 2013. Most houses sold in London are flats which have an average asking price of £552,378. A semi-detached property in London has an average price of £943,106. (Source:RightMove).

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