Buyers
Homes aren’t just bricks. They’re chapters in your life.
Our role is to make sure your next chapter starts in the right place, with honest local guidance on houses for sale in West and North West London so you can choose with clarity and confidence.
Whether you are a first-time buyer taking their first step on the property ladder, or a portfolio building landlord looking for the next investment, we know that choosing a property is a big moment in anyone’s life.
We’ll take the time to really listen. Whether it is the must haves, the nice to haves or the little things that make a house feel just right, we’ll help you find a place that truly fits.
Getting a mortgage in London
How much can you borrow?
Most lenders will typically offer you around four to five times your annual income, but the size of your deposit plays a big role in the deal you’ll get; the larger it is, the better the terms are likely to be. In London, deposits are often higher than elsewhere because property prices sit above the UK average. That’s why it pays to start saving early, and exploring options like the Lifetime ISA, which adds a government bonus to help boost your deposit.
Your mortgage options
- Fixed-rate mortgage
Payments stay the same for a set period. Perfect if you like certainty. - Variable-rate mortgage
Payments move up or down depending on interest rates. - Help to buy & shared ownership
Schemes designed to make London homes more affordable for first-time buyers. - Guarantor mortgage
A family member helps secure your loan, opening doors to better deals.
Getting mortgage-ready
- Check your credit score
Lenders want to see you’re reliable. - Save for a deposit
Aim for at least 5–10%, but more is always better. - Get an agreement in Principle (AIP)
This shows sellers you’re serious. - Compare lenders or speak to a broker
London has unique deals worth exploring. - Work with us as your estate agent
We’ll be by your side from the first viewing to the final keys, guiding you through every step of the process.
Ready to take the next step?
Securing a mortgage comes down to timing and understanding your options. Approval usually takes anywhere from two to six weeks, so it pays to plan ahead. Even with a smaller deposit, buying is possible, though your choices may be narrower. And while you don’t have to use a broker, many buyers discover that brokers can unlock deals you won’t easily find yourself, making the whole process simpler and often more rewarding.
We’d love to connect you with Mike Thompson at Greywood Financial, our trusted independent financial advisor. He’ll take the time to understand your needs and explain how he can help.
FAQs
How does the home buying process look like in the UK?
It starts with viewings and making an offer. Then comes the legal work, surveys, and finally exchanging contracts, when the sale becomes legally binding. Finally, the completion date is when you get keys and can start moving in. Our consultants will walk you through it all.
What does exchange of contracts mean?
Think of exchange of contracts as the handshake that really counts. Before it, you’re promising. After it, you’re legally tied to the deal, with a moving date set in stone. It’s the moment when buying a home in the UK goes from “hopefully” to “definitely.”
Who organises a survey when buying a house?
What is stamp duty?
How much deposit will I need?
Most buyers put down 5 to 10%, but more can help you get better mortgage rates.
Should I get a mortgage agreement before viewing?
It’s not essential, but having one in place shows sellers you’re serious and it can speed things up later. We can put you in contact with a mortgage broker who will be able to give you some initial guidance. It would be disheartening to start to look at a property that you later discover isn’t outside your budget.
Are you regulated?
Absolutely. We follow the rules set by The Property Ombudsman and are proud members of professional bodies like NAEA and ARLA.