London Services & Moving Here Mortgage Brokers

The 9 Best Mortgage Brokers in London (2026)

Updated October 2026 · 9 picks

The best mortgage brokers in London in 2026 include Private Finance and John Charcol for independent whole-of-market advice, Knight Frank Finance and Enness for large and international mortgages, Coreco and Trinity Financial for London buyers at every level, and Tembo for first-time buyers using family help.

How we chose

Mortgage advice is a regulated financial service, so this list is held to a higher bar than a restaurant round-up. Every broker here is a real, currently operating firm with its own website and a London office or registered office; we read what each says it does and kept firms with a clear focus — whole-of-market advice, high-value lending, first-time buyers. Nobody paid to be included and there are no affiliate links on this page.

We do not rank brokers by rates or fees, and this is not financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage.

Every mortgage broker in the UK must be authorised by the Financial Conduct Authority, or be an appointed representative of a firm that is. Check the firm on the FCA Financial Services Register before you share documents; unresolved complaints go to the Financial Ombudsman Service.

A good broker matters more in London than almost anywhere in the UK, because high prices push buyers towards the limits of what lenders will offer. Line one up before you start viewing, and see our guides to estate agents and law firms for the rest of your team.

1. Private Finance — Moorgate / Shoreditch

An independent, client-first broker with 25 years in the market, strong on complex London cases.

Specialty Residential and buy-to-let mortgages, remortgages, high-value and complex lendingBest for Homebuyers, movers, landlords and professionals with complex income

Private Finance is an independent mortgage broker with 25 years' experience arranging mortgages, and it describes itself as client-first. It handles everyday residential mortgages and remortgages as well as larger and more complex cases: self-employed and bonus-heavy incomes, buy-to-let and high-value homes.

Its office is on Worship Street, between Moorgate and Shoreditch, and much of its advice is given by phone and video.

Good to know: Get an agreement in principle before you start viewing; London agents ask for it with every offer.

1–3 Worship Street, London EC2A 2AB

Google Maps Website

2. John Charcol — Aldgate, Shoreditch & East London

A long-established independent broker offering whole-of-market advice and a free first conversation.

Specialty Residential mortgages, remortgages, buy-to-let, later-life lendingBest for First-time buyers, movers, remortgagers and landlords

John Charcol is an independent mortgage broker with 50 years' experience, offering whole-of-market advice and a free, no-obligation first conversation. It covers first homes, moving, remortgaging, buy-to-let and later-life lending.

Its London office is at Fora on Whitechapel High Street, by Aldgate East station, though most clients deal with their adviser by phone or video.

Good to know: Start talking to a broker about four to six months before your current fixed rate ends; many lenders let you lock in a new rate early.

Fora, 133 Whitechapel High Street, London E1 7QA

Google Maps Website

3. Knight Frank Finance — Marylebone, Soho & the West End

The estate agent's mortgage arm, used by buyers of prime London property and international clients.

Specialty Residential and high-value mortgages, international lending, insuranceBest for Prime London buyers, overseas buyers, professionals and landlords

Knight Frank Finance offers mortgage and insurance advice, with a personal broker service and access to more than 180 financial providers. It handles UK and international lending and is used heavily by buyers of prime London homes, including overseas buyers and those with complex income.

You do not need to be buying through Knight Frank to use it. Its principal office is in Knight Frank's Baker Street headquarters.

Good to know: If your income is in a foreign currency or from a carried-interest or partnership structure, say so at the start; it narrows the lender list.

55 Baker Street, London W1U 8AN

Google Maps Website

4. Coreco — City of London (Aldgate)

A London broker with access to 90-plus lenders and an open-door City office.

Specialty Residential mortgages, remortgages, buy-to-let, self-employed and new-buildBest for First-time buyers, movers, landlords, freelancers

Coreco is a London mortgage broker working with more than 90 lenders, covering first homes, remortgages, buy-to-let, new-build purchases and mortgages for freelancers and the self-employed.

Its head office is in The Space HQ on Dukes Place, near Aldgate, and it invites clients to drop in.

Good to know: Freelancers and contractors should bring two years of accounts or tax calculations to the first meeting.

The Space HQ, Irongate, 30 Dukes Place, London EC3A 7LP

Google Maps Website

5. Trinity Financial — Islington (Upper Street)

An Islington broker that handles everyday mortgages and specialises in larger, complex loans.

Specialty Residential and high-value mortgages (£1m+), remortgages, buy-to-letBest for London homebuyers, high earners and high-net-worth clients

Trinity Financial is a mortgage broker based on Upper Street in Islington that searches the market for tailored mortgages. It says it specialises in complex larger loans and regularly arranges £1 million and £2 million-plus mortgages.

A good fit for north London buyers and anyone borrowing a large sum against London property.

Good to know: Highbury & Islington and Angel stations are both within walking distance of the office.

155 Upper Street, London N1 1RA

Google Maps Website

6. SPF Private Clients — City of London (Gracechurch Street)

An intermediary for mortgages, protection and financial planning, used by many professionals.

Specialty Mortgages, insurance and protection, financial planningBest for Professionals, high earners and families

SPF Private Clients is a financial services intermediary advising on mortgages, insurance and protection, and financial planning. It arranges residential and buy-to-let mortgages, including larger loans, and can put life and income-protection cover in place at the same time.

It suits buyers who want their mortgage and protection advice from one firm.

Good to know: Ask for protection quotes at the same time as the mortgage; lenders do not require it, but most families need it.

33 Gracechurch Street, London EC3V 0BT

Google Maps Website

7. Enness — Mayfair, Soho & the West End

An international brokerage for high-net-worth clients and very large or unusual loans.

Specialty Large mortgages, bridging, securities-backed and international lendingBest for High-net-worth individuals, international buyers and investors

Enness is an international mortgage and finance brokerage for high-net-worth clients, specialising in large, corporate, bridging and securities-backed loans. Its London headquarters is on North Row in Mayfair, with further offices abroad.

It is a specialist for buyers of expensive London property, people whose wealth is in investments rather than salary, and international buyers.

Good to know: If your wealth is mostly in an investment portfolio, ask about lending secured against it rather than selling assets to fund a deposit.

64 North Row, London W1K 7DA

Google Maps Website

8. Alexander Hall — Holborn

A London mortgage broker covering everything from first homes to buy-to-let and remortgages.

Specialty Residential mortgages, remortgages, buy-to-letBest for First-time buyers, movers, landlords

Alexander Hall is a London mortgage broker offering advice on first homes, moving, remortgaging and buy-to-let, with online calculators to work out what you could borrow. Its registered office is on High Holborn.

A solid mainstream choice for Londoners with straightforward income who want a broker to search the market for them.

Good to know: Use the borrowing calculator on its site before your first call, so the conversation starts from realistic numbers.

137-144 High Holborn, London WC1V 6PL

Google Maps Website

9. Tembo — London Bridge, South Bank & Borough

A mortgage and savings platform for first-time buyers, including those using family help.

Specialty First-time buyer mortgages, family-assisted buying, savingsBest for First-time buyers and their families

Tembo is a mortgage and savings platform for people buying their first home, which says it is trusted by thousands of buyers and has been voted best mortgage broker by its customers several years running. Its focus is helping buyers reach a deposit or borrow more, including with help from family.

It works mostly online and suits first-time buyers who are stretching to afford London prices.

Good to know: If parents or relatives can help, ask Tembo which family-assisted options would boost what you can borrow.

18 Crucifix Lane, London SE1 3JW

Google Maps Website

Frequently asked questions

Do mortgage brokers in London charge a fee?

Brokers are normally paid a commission by the lender (a 'procuration fee'). Some charge you nothing on top; others add a fee, either a flat sum or a percentage of the loan, often payable on completion. Brokers must tell you up front how they are paid. Ask whether the fee is refundable if the purchase falls through.

What does 'whole of market' mean?

A whole-of-market broker can recommend mortgages from across the lending market rather than a restricted panel. Even whole-of-market brokers may not reach every deal, because some lenders only sell direct, so a good broker will tell you when a bank's own product beats what they can arrange.

How much can I borrow for a mortgage in London?

Most lenders cap borrowing at around 4.5 times household income, and some go to 5 or 5.5 times for higher earners or certain professions, subject to affordability checks on your spending and commitments. You will usually need a deposit of at least 5–10%, and the best rates start at 25–40% deposit. A broker can get an agreement in principle so agents take your offers seriously.

Can I get a UK mortgage if I've just moved to London or I'm not British?

Yes, but options narrow. Many lenders want a minimum time left on your visa, UK residency history or a UK credit file, and may ask for a bigger deposit. Specialist brokers such as Knight Frank Finance, Enness or Private Finance regularly arrange mortgages for international buyers and people paid in foreign currency.

What costs are there besides the deposit?

Budget for Stamp Duty Land Tax, legal fees for your conveyancing solicitor, a survey, lender arrangement fees and any broker fee. Stamp duty is the big one in London; see our estate agents guide for the current bands.

1. Private Finance — Moorgate / Shoreditch

2. John Charcol — Aldgate, Shoreditch & East London

3. Knight Frank Finance — Marylebone, Soho & the West End

4. Coreco — City of London (Aldgate)

5. Trinity Financial — Islington (Upper Street)

6. SPF Private Clients — City of London (Gracechurch Street)

7. Enness — Mayfair, Soho & the West End

8. Alexander Hall — Holborn

9. Tembo — London Bridge, South Bank & Borough

Frequently asked questions

Related lists

The 9 Best US Tax Accountants in London (2026)

The 8 Best Sunday Roasts in London (2026)

The 10 Best Law Firms in London (2026)

The 10 Best Rooftop Bars in London (2026)

The 12 Best Restaurants in London (2026)