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Havering Mortgage Specialist

Affordable East London in RM1

Havering sits at the eastern edge of Greater London. Romford's excellent transport links, Upminster's end-of-District line convenience, and large suburban houses at prices well below the London average make it a natural choice for families who need space. We help buyers make the most of RM1 and RM14.

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Step 1 of 3Type Selection

What type of mortgage do you need?

Select the option that best describes your property financing requirement. Our brokers specialise in complex London and international structures.

Roger Cooper

"Our goal is to understand your unique situation. Select a category and we'll match you with the right product and lender."

— Roger Cooper, Senior Mortgage Adviser

Suburban Families

Large houses at London fringe prices: mortgage solutions for the Havering family.

  • Upsizing mortgages for families moving from smaller east London homes to four-bed semis and detacheds in Harold Wood and Hornchurch

  • First time buyer mortgages for young professionals attracted by Romford Elizabeth line access and RM postcode affordability

  • Flexible income assessment for shift workers, healthcare staff at Queen's Hospital, and key worker applicants

Speak to an adviser today
RM1 Market Data
5.0%
Average BTL gross yield
£400k
Typical entry price

“The Elizabeth line transformed Romford's commuting calculus: what once felt remote is now under 30 minutes to Bond Street.”

BTL in Havering

Havering's yields remain strong for outer east London investors. We arrange BTL mortgages targeting Romford town centre and Upminster professional tenants.

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Advisers available in RM1 today
Key areas in Havering:RomfordUpminsterHornchurchSee our full Havering property guide →
Trusted by London homebuyers

Trusted by Our Clients

Genuine reviews from our Google Business Profile

“I have used Mortgage International a few times and they have always been very helpful, professional and reasonable. I would highly recommend and will always use them and recommend everyone does too.”

EW
Elsie Woolley
Verified Google Review

“Roger has been great to work with over the last few years, I got my first mortgage with him and have used him for our remortgages since. He was always quick to respond and explained everything clearly.”

PC
Paul Cooper
Verified Google Review

“Excellent service from start to finish! Roger was knowledgeable, patient, and always available to answer my questions. He made the mortgage process smooth and stress-free — I highly recommend!”

GH
Georgia Hurley
Verified Google Review

Havering's housing market in 2026

The average property in Havering sold for £465,580 over the past year, down 2% on the year before and broadly level with the borough's 2022 peak of £461,732. Semi-detached homes were the most commonly sold property type at £536,026 on average, with terraced houses near Romford averaging £448,577 and flats at £258,202.

Havering's house-dominated market around Hornchurch and Upminster means most local mortgages, and the life cover that should sit alongside them, are sized closer to a family semi than a starter flat, even for relatively new buyers in the borough.

Source: HM Land Registry price-paid data, via Rightmove House Prices, period to 31 March 2026 (last updated 15 May 2026).

Mortgage FAQs for Havering

What is the typical entry price for a property in Havering?
The typical entry price for a property in Havering (RM1) is around £400k. This can vary significantly by property type and specific street. As an FCA regulated independent broker we can advise on the full range of mortgages available at your target price point across Havering and help you understand what you can realistically borrow.
What is the average buy-to-let yield in Havering?
The average gross buy-to-let rental yield in Havering is approximately 5.0%. Net yields depend on your management costs, void periods, and mortgage rate. We search over 90 lenders to find the most competitive buy-to-let mortgage for your RM1 investment property. Call us on 0844 884 9748 for a tailored assessment.
Do you provide mortgage advice to first time buyers in Havering?
Yes, we are specialists in first time buyer mortgages in Havering and across all 33 London boroughs. We can access low-deposit products from 5%, help with Help to Buy and Shared Ownership schemes, and advise on stamp duty relief for first time buyers. Our advisers understand the RM1 property market and know which lenders are most competitive for your situation.
Can I get a mortgage in Havering if I am self-employed?
Absolutely. Many of our Havering clients are self-employed, company directors, or contractors. We work with lenders who use net profit, salary plus dividends, or day-rate assessment to calculate your borrowing capacity in RM1. The right lender for a self-employed buyer is rarely the high street. We find specialist lenders who understand how real businesses operate.
How long does a mortgage application take in Havering?
For a straightforward purchase in Havering (RM1), we can typically provide an Agreement in Principle on the same day you contact us. A full mortgage offer usually follows within 2–4 weeks depending on the lender's valuation queue and your documentation. We manage the process from AIP to offer so you can focus on finding the right property in Romford, Upminster, Hornchurch.

Ready to Buy in Havering?

Havering mortgage specialists. Elizabeth line commuter experts, FCA regulated, free advice.

Get a Free Havering Mortgage QuoteCall 0844 884 9748
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Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage International is an appointed representative of The Right Mortgage Limited, authorised and regulated by the FCA (Ref: 478810).

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