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.

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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.

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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.

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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.

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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.

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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.

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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


29 Sep 2017

London house prices fall for first time in eight years

House prices in London are at £471,761 and negative for the first time in eights years with the weakest performance in the UK since 2005.

28 Sep 2017

New Build house prices rise 17% with support from Help to Buy, says ONS

Prices of new build properties in England increased over 17% in a year with record loans from the government’s Help to Buy scheme.

23 Sep 2017

House prices in university towns are up by 22% over the course of a degree

Parents could be better off buying a student flat than paying children’s rent as prices in university towns rise £38,666 during a three year course.

18 Sep 2017

Equity release homeowner demand soars unlocking £1.4 billion from property

The amount of wealth accessed by homeowners in 2017 by using equity release has increased 55% over the year helped by more products.

15 Sep 2017

Cost of moving home for London home buyers has risen to £32,000

Higher house prices and stamp duty mean the cost of moving home in London has risen to £32,092 or 47% higher than a decade ago.

12 Sep 2017

Remortgage buyer activity soars as mortgage rates reach all time low

The number of remortgage buyers surge 12% taking advantage of record low mortgage rates to reduce the cost of repayments.

29 Aug 2017

First time buyers can save money with a discount mortgage, says Moneyfacts

For first time buyers a discount mortgage could save them money rather than fixed rate where the interest charged is more expensive.

23 Aug 2017

Mortgage lending to home buyers in London rises by 6% for second quarter

Number of home buyers taking out a mortgage in London is up 6% in the second quarter 2017 with strong demand from first time buyers.

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 for
existing homeowners

£295

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 Landlords
and 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 or
even Buying a New Home

£695

For equity release London City Mortgages charge a fee of £695 less any money off voucher upon completion.
Call for your free quote 0800 955 0058

  • 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:
    Bury House, 31 Bury Street,
    London, EC3A 5AR

    Phone:
    020 8801 5856

    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.

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