Mortgage Broker in London

Expert mortgage advice across London. From high value properties in Kensington and Mayfair to first-time buyers in Islington — WIS Mortgages handles the complex London mortgage market with whole of market access and specialist lender knowledge.

Get a Free Quote Call 020 3011 1986
FCA
Authorised Broker · Reg 824411
90+
Lenders · Whole of Market
5.0★
Google Rated · 400+ reviews
Daily
Complex Cases · Approved

Local insight

Mortgages in London

London is the most complex mortgage market in the UK with some of the highest property values, the most diverse workforce and the greatest concentration of specialist mortgage cases. WIS Mortgages handles the full range of London mortgage types including high value purchases above £1 million in Kensington and Mayfair, Foreign National and Visa Holder Mortgages for the large overseas professional community, Contractor Mortgages for the City and Canary Wharf workforce, and Buy-to-Let Mortgages across all London boroughs. We work with specialist lenders who understand London property types including ex-local authority flats, mansion blocks and properties above commercial premises.

Mortgage Services in London

Whether you are buying, remortgaging or investing, we handle the complex cases others decline.

View all 30+ products
First-Time Buyer Mortgages

Buying your first home with as little as 5% deposit.

Learn more Contractor Mortgages

Day rate used for affordability. IR35 and umbrella accepted.

Learn more Foreign National & Visa Mortgages

Skilled Worker, Spouse and Tier 2 visa holders accepted.

Learn more Self-Employed Mortgages

One year accounts considered. Directors and sole traders welcome.

Learn more NHS & Key Worker Mortgages

Borrow up to 5.5× income. Overtime and shift pay included.

Learn more Buy-to-Let Mortgages

Standard BTL, HMO, SPV and holiday let mortgages.

Learn more Remortgage

Fixed rate ending? Compare 90+ lenders. Lock and switch.

Learn more Bridging Loans

Auction purchases, renovations and chain breaks.

Learn more

Areas We Cover in London

We support clients across the whole of London and the surrounding area - from city-centre flats to suburban family homes.

01
Kensington
Premium central London properties, high net worth and foreign national cases
02
Chelsea
High value residential and buy-to-let, complex income mortgages
03
Mayfair
Ultra premium properties, high net worth and overseas investor mortgages
04
Hampstead
Premium North London, self-employed and director mortgage cases
05
Islington
First-time buyer and remortgage cases, strong rental market
06
Clapham
Popular with young professionals, first-time buyer and remortgage
07
Canary Wharf
Large contractor and financial services workforce, day rate mortgages
08
Richmond
Premium South West London, family homes and buy-to-let
09
Wimbledon
Premium residential, self-employed and contractor mortgage cases
10
Putney
Young professional market, first-time buyer and remortgage
11
Totteridge
Premium North London village, high net worth and director mortgages
Active coverage
Coverage zone · London
11 areas · Multiple postcodes
Nationwide adviser network

Why London Clients Choose WIS Mortgages

Specialist whole-of-market expertise, an FCA-regulated team, and a track record of saying yes to the cases that get declined elsewhere.

Complex Cases Welcome

Foreign nationals, contractors, self-employed and NHS workers - we handle the cases others decline.

01 - Approval First

Whole of Market Access

We compare 90+ lenders including specialist lenders not available on the high street.

02 - Lender Network

FCA Regulated

Authorised and regulated by the Financial Conduct Authority. Register number 824411.

03 - Regulatory

Ask how MortgagX works with advice from our team.

Open our Contact page on this site - message or request a callback and we will outline MortgagX alongside broker-led mortgage support.

Contact us

“Three lenders said no because of my contractor day rate. WIS got us approved in nine days on a property we'd already lost twice.”

Priya R.
IT Contractor
9 days
Offer to Exchange
£485k
Loan Amount
5.5×
Income Multiple
Case file
Property typeFlat (period conv.)
Income basisDay rate × 5
Deposit15%
LenderSpecialist · Top-5
Initial rate4.89% / 5y fix
Q.01
Can I get a mortgage in London as a foreign national?
Yes. London has one of the highest concentrations of foreign nationals and visa holders in the UK. WIS Mortgages specialises in Foreign National and Visa Holder Mortgages covering Skilled Worker, Spouse, Tier 2 and other eligible visa routes. We work with lenders who accept overseas deposits and thin UK credit files.
Yes. London has a large contractor and freelance workforce particularly in technology, finance and media. Our Contractor Mortgages use your day rate for affordability. IR35, umbrella and limited company contractors are all accepted. Day rates in London often allow contractors to borrow significantly more than standard income multiples.
Most lenders require a minimum 5 to 10 percent deposit for residential mortgages in London. For higher value properties above £1 million some lenders may require 15 to 25 percent. For Foreign National and Visa Holder cases a 5 percent deposit may be possible with the right lender.
Yes. We handle high value and complex income mortgage cases in London including High Net Worth Mortgages, Large Mortgages above £1 million, Limited Company Director Mortgages using retained profits, and Multiple Income Stream Mortgages combining salary, dividends, rental income and contract income.
Yes. London remains one of the strongest buy-to-let markets in the UK. We offer Standard Buy-to-Let Mortgages, HMO Mortgages, SPV Mortgages through a limited company and Bridging Loans for auction and renovation purchases. Rental yields in London vary significantly by area and property type.
From application to mortgage offer typically takes 2 to 4 weeks. Completion takes a further 4 to 8 weeks. Complex London cases including high value properties, foreign national applications and contractor mortgages may take slightly longer due to manual underwriting and additional documentation requirements.

Find Out How Much You Can Borrow in London

Use our free mortgage affordability calculator. No credit check, no contact details required - just an honest indication of what 90+ lenders could offer you today.

Try the Calculator
AffordabilityLive preview
Annual income£72,000
Deposit£48,500
Term30 years
Income basisContractor
Max borrowing
£396,000

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone

Leave your contact and expect a call from us!