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
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
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
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
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.
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.
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.
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.
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.
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.
Excess demand over supply is the greatest for a decade and 34% higher than last year sending house prices even higher.
First time buyers with small deposits are returning to the market as lenders bring back high loan to value mortgages since the pandemic.
Transactions bounced back strongly for first time buyers in the second half of 2020 despite a 10.0% rise in house prices.
Pent-up demand for equity release and falling interest rates has seen a recovery in plans taken out after slowdown during the first lockdown.
Research from Halifax reveals the UK house price growth winners in 2020 is Islington in London with values 13.4% up last year.
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.
|A fee of £295 is charged less any money off voucher on application. 100% money back guarantee.|
|A fee of £395 is charged less any money off voucher on application. 100% money back guarantee.|
|A fee of £495 is charged less any money off voucher on application. 100% money back guarantee.|
|For equity release London City Mortgages charge a fee of £695 less any money off voucher upon completion.|
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.
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.
9th Floor, 30 Crown Place
London, EC2A 4EB
0800 955 0058
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.