Residential Mortgages

Mortgages for the home you live in, arranged across more than 200 lenders including private banks and specialist providers.

Residential Mortgages

Lending for the home you live in, across 200+ lenders

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.

We Structure

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.

Clock

Beyond High-Street Templates

Criteria differ enormously. We find lenders who read your income favourably.

Key person

Private Bank Access

Relationships not available on the open market for the right profile.

Clipboard list

Complex Income Interpreted

Bonus, dividends, carried interest and multi-currency earnings properly presented.

Why Choose Us

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.

Timeline

Professionals and Newly Qualified

Lenders who recognise professional status and future earning potential.

Clock

Fees Explained Upfront

Any charge set out clearly before you commit to anything.

Target

Whole-of-Market Comparison

No panel restriction and no lender ownership influencing our advice.

Our Clients

Who Benefits from Residential Mortgages

Complex-Income Professionals

Company Directors and Contractors

Higher-Value Property Buyers

Testimonials

Client Experiences That Speak for Themselves

Contact Us

The Right Mortgage, Properly Structured

Mortgages for the home you live in, arranged across more than 200 lenders including private banks and specialist providers.

Our Services

Related Mortgages Services

Our Mortgages services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.

News & Blogs

Latest Financial News & Blogs

FAQ

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.

Typically 5–10% minimum, with better pricing generally available from 25%.

We will explain any fee clearly before you commit, alongside the lender products available.

Commonly four to five times income, with some lenders extending to five and a half or six times for higher earners.

From 5%, though pricing improves materially at 10%, 15% and 25%.

Any fee is disclosed in writing before you commit, alongside the lender options available.

Typically four to eight weeks from application to offer, depending on lender and complexity.

Frequently yes, through specialist lenders, though pricing reflects the risk.

Lenders cap terms by age at expiry, commonly 70 to 80, though some lend further into retirement.