Mortgage broker for London

Count Ready supports mortgage enquiries across Greater London by phone and online from its Chelmsford base. We do not have a London branch. Call 020 3950 8817 or use the enquiry form. Give the property address so that the correct area and council can be identified. Ask about any possible face-to-face arrangements and confirm the location and availability before travelling.

An adviser reviews the borrowing you need, your income and spending, deposit, credit history and proposed property. They explain the scope of the lender search, recommendation, costs and application steps. The lender assesses the borrower and property and decides whether to make an offer. Your conveyancer checks the legal title and purchase documents; the broker does not find the home or replace that legal work.

The initial conversation is free. Read the current Terms of Business and shared footer disclosure, then confirm the service and written costs before chargeable work. Ask which fees apply, what they cover, when payment is due, how lender commission is handled and what happens if the application stops, including payment and refund terms.

Yes. Explain the approximate price range, deposit and its source, income, commitments and the monthly payment you would be comfortable with. Include other buying and ownership costs. When you have a property in mind, share particulars and known lease, service-charge, construction or building concerns. An agreement in principle is an initial indication; it does not guarantee approval of the property or a full mortgage offer.

No. The lender and valuer decide what evidence is needed for the particular building and application. Raise cladding, fire-safety or remediation concerns early and ask the seller, building owner or managing agent what information is available. An EWS1 form is used for valuation and lending purposes; it is not a life-safety certificate. Your conveyancer should explain the legal position and any relevant costs or protections.

You can ask for a review of your existing deal and circumstances. Bring the balance, remaining term, deal end date and any early repayment charge, plus known changes to income or the property. Compare a product transfer with the current lender and a remortgage elsewhere, including fees and total cost over the same period. If you need extra borrowing, explain the purpose. Changing lender is not automatically cheaper.

Yes. Tell the adviser how you earn and what evidence is available, or describe the credit issue, dates, amounts and whether it is current or settled. These facts are reviewed with spending, commitments, deposit or equity and the property. There is no single London-specific credit rule, universal income-document list or guaranteed lender. Agree a secure route before sending accounts, bank statements or credit reports.

New applications for Help to Buy: Equity Loan in England are closed. If you already have an equity loan, its obligations need to be considered when selling or remortgaging. Other schemes have separate eligibility, availability and costs. For shared ownership, budget for the mortgage on your share, rent on the remaining share and property charges; scheme acceptance does not establish mortgage approval.

No. GOV.UK’s current mandatory large-HMO licensing criteria do not include a three-storey requirement. A smaller HMO or another rented home can also fall within a local licensing scheme. Check the exact address, occupants and proposed use with the responsible council. Licensing and planning or lawful use are separate checks, and the mortgage lender must accept the intended letting arrangement.

No. Ask which lenders and products can be considered, how alternatives compare on suitability and complete cost, and what the service excludes. Some products are available only directly from a lender. Approval, valuation, evidence, legal work and any purchase chain affect the result and timing. Tell the adviser about a reservation deadline, offer expiry or deal end date before making commitments.