Mortgage Broker London

Mortgage Broker London

AJM Financial is an independent, whole-of-market mortgage broker serving clients across London and the surrounding areas. Whether you are buying your first home, remortgaging, or looking for specialist advice as a self-employed professional or high net worth individual, our team provides expert guidance with access to thousands of mortgage products from across the market.

We charge no broker fees and work entirely in your interest — not on behalf of any lender. Every client receives a tailored recommendation based on their individual circumstances.

Why Choose AJM Financial as Your London Mortgage Broker?

London's property market is one of the most competitive in the world. Getting the right mortgage — at the right rate, with the right lender — can save you thousands of pounds over the life of your mortgage. Here is what sets AJM Financial apart:

• Whole-of-market access — we search thousands of products across the entire market, including exclusive broker-only deals not available on the high street
• No broker fees — our advice is completely free to you
• Specialist expertise — from first time buyers to complex self-employed and high net worth cases
• Personal service — you speak directly with an experienced adviser, not a call centre
• End-to-end support — we guide you from initial enquiry through to completion
• FCA regulated — AJM Financial Ltd is authorised and regulated by the Financial Conduct Authority

Our London Mortgage Services

First Time Buyer Mortgages in London

Buying your first home in London is one of the biggest financial decisions you will ever make. The process can feel overwhelming, but AJM Financial is here to make it straightforward. We explain every step clearly, help you understand how much you can borrow, and find the most competitive mortgage available for your deposit and circumstances.

Most first time buyers in London can typically borrow around five times their annual income, with some lenders able to lend up to six times income depending on your situation. A minimum 5% deposit is required, though a 10-15% deposit will unlock significantly better interest rates.

From 1 April 2025, first time buyers pay no stamp duty on the first £300,000 of a property's value, and 5% on the portion between £300,000 and £500,000. Properties above £500,000 are subject to standard rates.

Remortgage Advice in London

If your current fixed rate deal is coming to an end, or you are looking to release equity from your home, remortgaging at the right time with the right lender can deliver significant savings. AJM Financial will review your current deal, compare it against the whole market, and handle the switch seamlessly on your behalf.

We recommend starting the remortgage process around three to six months before your existing deal expires, as many lenders allow you to secure a rate in advance while remaining on your current deal until it ends.

Self-Employed Mortgages in London

Getting a mortgage as a self-employed professional, contractor or limited company director in London requires a lender who understands how your income works. Many high street lenders apply rigid affordability criteria that can make it difficult to secure the borrowing you need.

AJM Financial specialises in complex income cases. We work with lenders who take a common-sense approach to self-employed income — whether you take dividends, have variable profits, or have only recently gone self-employed. We know which lenders are most likely to approve your application and at what terms.

High Net Worth and Complex Mortgages in London

For clients with significant assets, complex income structures, or large loan requirements, mainstream lenders are often not the right fit. AJM Financial has access to private banks and specialist lenders who can accommodate loan sizes, income types and property structures that would be declined elsewhere.

Whether you are purchasing a high-value London property, require a mortgage on an unusual property type, or have international income, we have the expertise and lender relationships to find the right solution.

How It Works

• Get in touch — call us, email us or use the contact form on this page
• Free initial consultation — we discuss your circumstances, goals and budget with no obligation
• Whole-of-market search — we compare thousands of products to find the best deal for you
• Application and submission — we handle all the paperwork and liaise with the lender on your behalf
• Offer and completion — we keep you updated at every stage through to completion

Frequently Asked Questions