£295
Call for your free quote 0800 955 0058
How it works?
Free mortgage quote
Research using our calculator tools, start your free mortgage quote and our advisers can do the work for you to check the whole market and find the best mortgage for you
Start your application
Use secure online payments to pay our mortgage advice fee after any money off vouchers, start your application 24/7 using our smartphone, tablet or desktop
Your mortgage online
Our technology gives you secure access whether on the move or at home, use our traffic light modular form to easily complete and upload your documents directly
We're here to work for you
Your personal mortgage manager gives you advice, will support you to complete the online form and works for you liaising with the lender to secure your mortgage offer
What type of people can benefit
from our mortgages?
First time buyers
To buy your first home, use our calculators to see what you need for a deposit and how much you can afford to borrow based on your income. Use the Mortgage Cost Calculator to reveal in under 30 seconds your monthly mortgage repayments and interest you can save by making overpayments. Check our Best Buys to compare mortgage rates for first time buyers.
Re-mortgage buyers
When your existing mortgage offer ends a new lender can offer you a lower interest rate than the standard variable. Use the Re-Mortgage Calculator to reveals in under 20 seconds the interest you can save with a new mortgage deal. Re-mortgaging can reduce your costs and if the value of your property has increased, allow you to release capital for making home improvements.
Home movers
If you are buying a larger home, you may need to borrow more and a new mortgage deal could reduce your costs. Use the Mortgage Cost Calculator to reveal in under 30 seconds your monthly mortgage repayments and check our Best Buys to compare mortgage rates for home movers. Changing your mortgage with the lowest interest rate can save you money in the long term.
55 plus mortgages
If you are aged over 55 there can be more restrictions from lenders making it harder to renew an existing mortgage or secure a new one. If you are buying a new property, re-mortgaging an existing home or a buy-to-let property, find out what you need to do before making an offer. Compare this to releasing equity by using our Equity Release Calculator and Best Buys for mortgages.
Buy-to-let mortgages
Receive an extra income or the potential for capital growth with a buy-to-let property owned by yourself or through a company. Use our Buy-to-Let Calculator to reveal in under 20 seconds the rental income you need to purchase a new property. If you are an existing landlord, use our Re-Mortgage Calculator to reveal borrowings limits or rental incomes for a new mortgage deal.
Equity Release
Release equity tax free from your home to enhance the quality of your life and live in your home for life. Use our Equity Release Calculator to reveal in under 60 seconds how a lifetime mortgage rolls-up over time, make overpayments to reduce interest costs. See how rising house prices offsets the mortgage to preserve equity and check our Best Buys to compare rates for equity release.
Get started now with a
free mortgage quote
As mortgage advisers we can do the work for you to find the best mortgages.
Access your quotes via your dashboard to start your mortgage application online 24/7
using a tablet or smartphone if you are on the move or from the comfort of your home.
GET YOUR FREE QUOTE
Call for your free quote 0800 955 0058
The latest mortgage news
12 Sep 2022
Fifth of homeowners use mortgage advance to go green
As energy bills are rising 22% of homeowners are using mortgage advances to improve the efficiency of their homes to reduce costs.
26 Aug 2022
Equity released hits record levels as more people access cash from homes
Homeowners accessing cash from their properties increased 26% over the year with over £3 billion of equity release in the first six months.
29 Jul 2022
Home movers drop over a third in 2022 compared to last year
The stamp duty holiday last year produced bumper demand from home movers now down a third but still above pre pandemic levels.
18 Jul 2022
Property market is cooling after sixth house price record
Asking house prices rise for the sixth record in a row to £369,968 as demand to buy continues although at a slowing rate.
26 Jun 2022
House affordability is stretched as prices outstrip earnings
A typical home is 7.1 times average earnings which have risen 2.7% compared to house prices up 16.8% since the start of the pandemic.
16 Jun 2022
Buying the cheapest homes for commuting to London
House prices in London are up only a third compared to other areas and you can find cheaper homes for commuting to the capital.
27 May 2022
Record rise in house prices now £55,000 up on pre-pandemic levels
In the UK asking house prices have risen to record levels and are £55,000 higher over the last two years before the pandemic started.
18 May 2022
House prices in London have gone up the most over 10 years
London house prices have increased the most over the last 10 years with a significant rise in equity for homeowners.
OUR SERVICES
As independent mortgage advisers we do the work to find the best deals for you, process and submit the application. We work for you liaising with the lender until the mortgage is completed. Our fees for the services are before any money off voucher given with your free quote as a thank you.
- We find the best mortgage for you
- Manage your quotes online
- Start your application online 24/7
- Complete your mortgage online
- 100% money back guarantee
- We advise the best option for you
- Complete affordability checks
- You get a personal mortgage manager
- We process and submit the application
- We work for you liaising with the lender
Re-mortgages
Ideal forexisting homeowners
| A fee of £295 is charged less any money off voucher on application. 100% money back guarantee. |
New Purchase
Ideal for First Time Buyers,Capital Raising & Home Movers
£395
| A fee of £395 is charged less any money off voucher on application. 100% money back guarantee. |
Buy-to-Let
Ideal for Landlordsand Let-to-Buys
£495
| A fee of £495 is charged less any money off voucher on application. 100% money back guarantee. |
Equity Release
Ideal for Homeowners oreven Buying a New Home
£695
| For equity release London City Mortgages charge a fee of £695 less any money off voucher upon completion. |
Best Buys - Equity Release
| 2.44% Fixed Rate |
| Interest Roll-Up |
| 25% Loan to Value |
| £895 App Fee |
| 2.47% AER |
| 2.60% fixed Rate |
| Interest Roll-Up |
| 25% Loan to Value |
| £629 App Fee |
| 2.63% AER |
| 2.60% Fixed Rate |
| Interest Roll-Up |
| 25% Loan to Value |
| £650 App Fee |
| 2.63% AER |
| 2.75% Fixed Rate |
| Interest Roll-Up |
| 25% Loan to Value |
| £5 App Fee |
| 2.79% AER |
Best Buys - Mortgages
| 1.16% Fixed Rate |
| 60% Loan to Value |
| £1,525 App Fee |
| Until 01/11/2022 |
| Reverts to 4.09% |
| 1.17% Fixed Rate |
| 60% Loan to Value |
| £1,025 App Fee |
| Until 31/09/2022 |
| Reverts to 3.59% |
| 1.18% Fixed Rate |
| 60% Loan to Value |
| £1,034 App Fee |
| Until 31/10/2022 |
| Reverts to 3.59% |
| 1.19% Fixed Rate |
| 60% Loan to Value |
| £999 App Fee |
| 2-Years Time |
| Reverts to 3.59% |
Call for your free quote 0800 955 0058
HOW WE CAN HELP
CALCULATORS
YOUR DASHBOARD
IMPORTANT
Equity Release may involve a Lifetime Mortgage or a Home Reversion Scheme. To understand the features and risks, please ask for a personalised illustration. Equity Release may affect your entitlement to means tested state benefits and will impact on the size of your estate. For Equity Release London City Mortgages charge a fixed fee upon completion of £695. For Mortgages a fixed fee is charged on application. Typically this is from £295 up to £495 for the services selected.
WARNING
Equity Release - Equity Released from your home will be secured against it. Mortgages – Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured against it. Think carefully before securing other debts against your home. The information contained in this website is subject to the UK regulatory regime and is therefore intended for consumers based in the UK.
CONTACT
Address:
9th Floor, 30 Crown Place
London, EC2A 4EB
Phone:
0800 955 0058
Email:
info@londoncitymortgages.co.uk
London City Mortgages Limited is a registered company in England & Wales under company number 09278987. London City Mortgages Limited is an Appointed Representative (FCA no. 655965) of Blackstone Moregate Limited (FCA no. 459051) which is authorised and regulated by the Financial Conduct Authority. LCM and LCM Equity Release are trading names of London City Mortgages Limited.
2024 © London City Mortgages.