Services — London

Residential Mortgages
in London

Ichiban Capital connects ambitious Londoners with specialist mortgage advisors who understand The City, Canary Wharf, and Greater London markets. Our FCA-regulated brokers access 350+ lenders to secure competitive rates for properties across all London boroughs.

Navigating London's competitive property market demands expert guidance. We maintain strict FCA compliance, partnering with approximately 350 lenders to deliver mortgage recommendations within 48 hours, ensuring you move quickly in this fast-paced capital.

FCA Approved
Terms in 48 Hours
~350 Lenders
41+ Years Experience
London
London
Finance Built for London

The capital's property market rewards informed decisions and strategic timing. Ichiban Capital's London-based advisors combine deep local knowledge with access to premium lender networks, helping homebuyers and investors unlock value across prime central London, suburban expansion zones, and riverside developments. Whether securing your first London home or refinancing an existing portfolio, our specialists navigate stamp duty implications, BTL criteria, and competitive lending landscapes with precision.

41+
Years Experience
~350
Lending Establishments
48hr
Indicative Terms
Our Philosophy

What We Can Support

Residential mortgages in London require navigating complex valuations, diverse property types, and competitive lending criteria. Our FCA-regulated advisors provide transparent guidance, realistic timescales, and pressure-free consultation to ensure your mortgage journey aligns with your financial goals.

  • Access to 350+ institutional lenders
  • FCA-authorised mortgage specialists
  • London property market expertise
  • 48-hour initial recommendations
  • Transparent fees, no hidden costs
  • Pressure-free, confidential guidance
  • Flexible appointment scheduling

Ichiban Capital is FCA-regulated, operates independently of lenders, and maintains confidentiality throughout your mortgage process.

Schedule a Call
Independent Advisory
+

Our London mortgage advisors provide tailored guidance based on your financial situation, property aspirations, and long-term goals. We review your circumstances thoroughly before recommending lenders, ensuring recommendations align with your actual mortgage needs rather than commission incentives.

Transparent Structures
+

Every Londoner deserves to understand their mortgage options without jargon or pressure. We outline interest rates, fees, terms, and implications clearly, providing written comparisons so you maintain full control over your decision-making process.

Professionals Only — No Sales Pressure
+

Your mortgage timeline is personal. We provide guidance within your preferred timeframe—whether moving quickly or exploring options thoughtfully—without pushing toward premature decisions or unsuitable products.

Our Services

Types of Residential Mortgages
We Offer in London

01
First-Time Buyers

Competitive mortgages designed specifically for first-time property buyers

02
Remortgaging

Refinance your existing mortgage to better rates or release equity

03
Self-Employed Mortgages

Flexible lending for self-employed professionals and business owners

And much more — speak to our team.

Explore All Options
How It Works

Getting Started
is Straightforward

Make an Enquiry
Step 1
Submit Enquiry

Contact our London advisors with basic property and financial details

Step 2
Initial Discussion

Receive personalised mortgage recommendations within 48 hours

Step 3
We Source Funding

Review comparisons, ask questions, and decide your next steps pressure-free

Step 4
Completion

Proceed to application with full transparency on costs and timescales

Common Questions

Your Questions Answered

Speak to Our Team

Everything you need to know about Residential Mortgages in London.

What deposit do I need?+

Deposits typically range from 5-20%, though higher deposits may secure better rates.

Can I get a mortgage as self-employed?+

Yes, we specialise in lending to self-employed professionals with flexible criteria.

How long is the typical mortgage term?+

Mortgage terms typically range from 15-35 years, depending on your circumstances.

Are early repayment penalties charged?+

Many of our mortgages have no early repayment penalties, though this depends on the specific product.

Can you help with adverse credit?+

Yes — our panel includes specialist lenders who consider applications with CCJs, defaults, or missed payments.

Do you offer help-to-buy or shared ownership?+

Yes, we advise on government-backed schemes where they remain available in your region.

What documents do I need to apply?+

Typically: ID, proof of address, 3 months payslips or 2 years accounts, and 3 months bank statements.

How long does the mortgage process take?+

From application to completion is typically 4-8 weeks, depending on the lender and property chain.

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