Residential Mortgages
Mortgages for the home you live in, arranged across more than 200 lenders including private banks and specialist providers.
A high-street lender assesses you against a fixed template. We identify which of our lenders will treat your income and circumstances most favourably, which frequently changes both the amount available and the rate.
Why Residential Mortgages Requires the Right Lender
What we arrange
- Purchase and remortgage of main residences
- Fixed, tracker and offset products
- Lending for complex or multiple income sources
- Access to private bank and specialist lenders
Who this is for
- Complex or multiple income structures
- Company directors, contractors and the self-employed
- Clients purchasing higher-value property
- Professionals
How London FS helps
A high-street lender assesses you against a fixed template. We identify which of our lenders will treat your income and circumstances most favourably, which frequently changes both the amount available and the rate.
Important information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.
Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.

Beyond High-Street Templates
Criteria differ enormously. We find lenders who read your income favourably.

Private Bank Access
Relationships not available on the open market for the right profile.

Complex Income Interpreted
Bonus, dividends, carried interest and multi-currency earnings properly presented.
Why Residential Mortgages with London FS?
Residential Mortgages requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.
A high-street lender assesses you against a fixed template. We identify which of our lenders will treat your income and circumstances most favourably, which frequently changes both the amount available and the rate.

Professionals and Newly Qualified
Lenders who recognise professional status and future earning potential.

Fees Explained Upfront
Any charge set out clearly before you commit to anything.

Whole-of-Market Comparison
No panel restriction and no lender ownership influencing our advice.
Who Benefits from Residential Mortgages
Complex-Income Professionals
Company Directors and Contractors
Higher-Value Property Buyers
I would highly recommend Amar Dhanota as a mortgage broker to anyone looking to purchase a property. Amar helped me through the process of buying my flat and was absolutely brilliant from start to finish.
What stood out most was her dedication — she stayed on my case for as long as it took, tirelessly searching to find the best possible deal for me. She never made me feel rushed or like just another client. Instead, she gave my situation the time and attention it deserved.
If you’re looking for a mortgage broker who genuinely goes the extra mile and puts your best interests first, look no further than Amar. I can’t thank her enough!
I cannot recommend Amar highly enough. From start to finish she has been an absolute star — always available on the phone, patient, calm and reassuring no matter how many questions I had. Her knowledge and guidance made a stressful process so much easier, and nothing was ever too big an ask.
What really stood out is how Amar went above and beyond her remit. Even once her part of the process was technically complete, she continued to check in, support me and smooth out other areas that weren’t even her responsibility. That level of care and dedication is rare and invaluable.
Thanks to Amar, what could have been overwhelming felt manageable and clear. I would recommend her without hesitation to anyone looking for a broker who genuinely has your back throughout the journey.
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Great Service from Amar and Anita. From Day 1 to completion very clear, and efficent in timing
Quick responses and regular updates. Couldn’t be more thankful as they helped me complete within no time. Also great resources for legal and other solutions if required
Amar, from London Finances Solutions has just helped me a second time with arranging my mortgage and was just as efficient as the first. She makes things as clear and easy as possible, always quick at responding to any questions and is very quick at finding the best deal to fit my needs and generally makes the whole process very smooth. I would highly recommend to anyone seeking mortgage advice and will certainly be returning in the future.
Want to thanks Amar (and LFS) for excellent service. He is master in his trade. He not only helped me through end to end journey of Mortgage but also have provided his valuable suggestion on aligned aspect in my house buying journey. Benefit of clients is always at centre of his heart. Although I have completed my purchase but think this good service relationship will go long way.
Thanks Amar for great help!
Excellent service from LFS – specifically Amar. As first time buyers, there where a lot of nerves and uncertainty – but this was all taken care of by Amar. She guided us along every step of the way and ensured that our application went through as smoothly as possible and in a timely manner.
What stood out was – nothing was ever ‘too much’ of a problem for Amar – rather it was ‘lets see how I can help’. Buying your first house can be really stressful but now we’re in , we’re looking back and thinking we couldn’t have done it without the support and professionalism from LFS.
Would highly recommend LFS to anyone. Thank you to the entire team.
I would highly recommend Amar at London Finance Solutions. Amar was so helpful and friendly in directing us through our mortgage and life insurance application. Amar was highly professional from start to finish and always got back to us straight away with any concern that we might have. Thanks Amar!
The Right Mortgage, Properly Structured
Mortgages for the home you live in, arranged across more than 200 lenders including private banks and specialist providers.
Related Mortgages Services
Our Mortgages services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.
Latest Financial News & Blogs
Useful Financial Tools & Calculator
Frequently Asked Questions on Residential Mortgages
How much can I borrow?
Commonly four to five times income, though some lenders extend to five and a half or six times for higher earners or specific professions.
What deposit do I need?
Typically 5–10% minimum, with better pricing generally available from 25%.
Does using a broker cost more?
We will explain any fee clearly before you commit, alongside the lender products available.
How much can I borrow?
Commonly four to five times income, with some lenders extending to five and a half or six times for higher earners.
What deposit do I need?
From 5%, though pricing improves materially at 10%, 15% and 25%.
Does a broker fee apply?
Any fee is disclosed in writing before you commit, alongside the lender options available.
How long does an application take?
Typically four to eight weeks from application to offer, depending on lender and complexity.
Can I borrow with adverse credit?
Frequently yes, through specialist lenders, though pricing reflects the risk.
Does age limit the term?
Lenders cap terms by age at expiry, commonly 70 to 80, though some lend further into retirement.
More Mortgages Services
Every facility we arrange within Mortgages.