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Lewisham First Time Buyer Specialist

Getting on the Ladder in SE13

Lewisham offers some of the best value in south-east London, with excellent DLR and Overground connectivity, improving schools, and a growing café and restaurant scene drawing buyers priced out of Forest Hill and Honor Oak. We specialise in helping first time buyers make their move.

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First Time Buyers

Maximise your borrowing and minimise your deposit in SE13.

  • 5% deposit mortgages for first time buyers targeting Victorian terraces in Hither Green and Catford

  • Shared Ownership advice for buyers who want a foothold in the SE13 market before prices increase further

  • Help with stamp duty calculations and government schemes for buyers under the £425,000 first time buyer threshold

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Buy-to-Let in Lewisham

Lewisham's high yields attract savvy investors who recognise the regeneration potential. We arrange BTL mortgages for landlords targeting Deptford, New Cross Gate, and Telegraph Hill.

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Hither Green Village

SE13's village community around Hither Green station is one of south London's best-kept secrets for first time buyers.

Deptford Creative Quarter

Deptford's arts scene and DLR connectivity are attracting the same buyer profile that drove Hackney's transformation a decade ago.

Expert Local Advice

Over 15 years of specialist experience in the Lewisham property market. We know the postcodes, the lenders, and what makes each street in SE13 unique.

Key areas in Lewisham:Hither GreenCatfordDeptfordSee our full Lewisham property guide →

Real Reviews From Real Clients

Genuine reviews from our Google Business Profile

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Outstanding service, always looking for the best product for you, always there to guide you through the process. Would thoroughly recommend Mortgage International, and Roger's diligence ensures a smooth transaction.

MJ
Matt Jeary
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I would highly recommend Roger from Mortgage International to help you with your financial needs. He helped me get the best interest rate from a leading bank.

HC
Helen Cooper
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Ready to Move in Lewisham?

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4.8% avg BTL yield · £440k typical entry price

Lewisham's housing market in 2026

The average property in Lewisham sold for £534,977 over the past year, up 1% on the year before and only 2% below the borough's 2022 peak of £546,761, making Lewisham one of the steadier south-east London markets through the recent downturn. Flats sold for £426,768 on average, with terraced houses around Hither Green and Catford averaging £622,977 and semi-detached homes at £655,612.

With prices holding up better than in many neighbouring boroughs, Lewisham buyers stretching to a Hither Green terrace are taking on a meaningfully larger commitment than a Deptford flat-buyer, a gap worth reflecting in how much life cover each arranges alongside their mortgage.

Source: HM Land Registry price-paid data, via Rightmove House Prices, period to 27 February 2026 (last updated 9 April 2026).

Mortgage FAQs for Lewisham

What is the typical entry price for a property in Lewisham?
The typical entry price for a property in Lewisham (SE13) is around £440k. 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 Lewisham and help you understand what you can realistically borrow.
What is the average buy-to-let yield in Lewisham?
The average gross buy-to-let rental yield in Lewisham is approximately 4.8%. 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 SE13 investment property. Call us on 0844 884 9748 for a tailored assessment.
Do you provide mortgage advice to first time buyers in Lewisham?
Yes, we are specialists in first time buyer mortgages in Lewisham 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 SE13 property market and know which lenders are most competitive for your situation.
Can I get a mortgage in Lewisham if I am self-employed?
Absolutely. Many of our Lewisham 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 SE13. 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 Lewisham?
For a straightforward purchase in Lewisham (SE13), 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 Hither Green, Catford, Deptford.

Ready to Buy in SE13?

Lewisham first time buyer specialists. Free advice, 5% deposit options, FCA regulated.

Get a Free Lewisham 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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