London's independent mortgage broker

A mortgage broker searches the mortgage market on your behalf to find the most suitable and competitive deal for your circumstances. Unlike going directly to a bank — which can only offer its own products — an independent broker accesses rates from 90+ lenders, including exclusive deals unavailable to the public. We handle the full application, liaise with the lender, and guide you from initial enquiry to mortgage offer.

Our initial advice and research is completely free. We are paid a procuration fee by the lender on successful completion of your mortgage. We will always disclose this fee to you upfront. For certain complex cases we may charge a broker fee, but this will be agreed in writing before any work is done — there are never any surprises.

In almost every case a broker is better. Going direct limits you to one lender's range of products. An independent whole-of-market broker like Mortgage International searches 90+ lenders to find the rate and terms that best fit your situation. We also know which lenders are most competitive for your specific circumstances — saving you time, paperwork, and often hundreds of pounds per month.

We can typically provide a decision in principle within 24–48 hours of your first consultation. A full mortgage offer usually takes 2–6 weeks depending on the lender and complexity of your case. For purchase transactions, we recommend engaging us as early as possible — ideally before you make an offer — so you know your budget and have a decision in principle ready.

We serve all 33 London boroughs and the surrounding Home Counties. Mortgage advice is carried out by phone and video call, and we can meet in person at our Regent Street office if preferred. We have clients across every borough from Barking & Dagenham to Kensington & Chelsea.

Yes — this is one of the most common reasons clients come to us. Being declined by one lender does not mean you cannot get a mortgage. Different lenders have very different criteria for income types, credit history, property types, and LTV. We know which lenders are most likely to approve your specific situation and can advise on the strongest application to make.

A whole-of-market broker is not tied to any lender or panel. We can recommend from the full range of mortgages available in the UK market — over 90 lenders — including products that banks and comparison sites do not advertise. This gives you the widest possible choice and the best chance of finding the most competitive rate for your circumstances.

You do not legally need one, but using a broker is almost always worthwhile. When your fixed rate ends, your lender will offer you a product transfer — convenient, but often not the best rate available. A broker searches the whole market to check whether staying or switching lender gives you the better overall deal, and handles the full process if you do switch.