We compare 14,000+ mortgage deals from over 99 UK lenders, matching your application to the lenders most likely to accept it.
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You pay us nothing for the advice, the mortgage application or any of the work in between.
The fact that the mortgage lender pays us has no bearing on the rate or deal we recommend. Our job is to find you the right mortgage. That’s what we’re paid to do.
No advice fee. No application fee. No fee on completion. We’re paid by the lender and we’re FCA regulated, so the advice is held to the highest professional standards.
Bromley spans enough ground that the property you buy, and where in the borough you buy it, can change your mortgage options significantly.
Beckenham draws professionals and younger families priced out of Dulwich and Forest Hill, with Victorian terraces and mansion-block flats within easy reach of Beckenham Junction’s rail and Tramlink connections. Demand is consistent and prices reflect it, so buyers need to move quickly when something good comes up.
Petts Wood is a well-preserved 1930s suburb built for commuters, and it still serves that purpose well, with direct services into Charing Cross and Cannon Street. Proximity to the schools that drive grammar catchment demand keeps family home prices firmly in the mid-to-upper range.
Penge and Anerley offer the most accessible entry points in the borough, with Victorian terraces and purpose-built flats in SE20 averaging considerably below the borough mean. Ex-local authority stock is present here, which affects product selection at higher loan-to-value ratios.
Purpose-built flats are common across Bromley town centre and Beckenham, and several blocks in the town centre involve genuine lending complexity. Building height, cladding type, and EWS1 status all need to be confirmed before a product is selected. A B2 EWS1 rating will prevent mainstream lending entirely. Buyers looking at taller blocks should know that six major lenders, including Barclays, Nationwide, and NatWest, will consider applications where confirmed remediation is underway. Average flat prices across the borough fell 1.9% in the year to April 2026, and valuers are active, so new-build flat buyers in particular should build a buffer into their deposit calculations against a potential down-valuation.
Ex-local authority properties in Penge and pockets of Bromley town centre are workable but require careful lender selection. Most lenders apply an informal ceiling of 70 to 75% LTV on ex-LA flats, and some will not lend above certain floor levels. Ex-LA houses are less restricted and open to a wider range of products.
1930s semis in Petts Wood, West Wickham, and Orpington are standard brick construction and present few complications for mainstream lenders. Subsidence can be flagged in clay-heavy ground in parts of the borough, and if the valuation raises it, lenders will require a satisfactory structural survey before proceeding.
The borough average stood at approximately £520,000 in April 2026 (ONS provisional), with first-time buyer purchases averaging around £400,000 and home movers closer to £661,000. A one-bedroom flat in Penge or Anerley can be found from around £280,000, while a four-bedroom detached in Bickley regularly exceeds £1,000,000. With a 10% deposit on a £400,000 first-time buyer purchase, most lenders will want household income of around £80,000 at a standard 4.5x multiple. Some lenders will stretch to 5x income or higher for professionals in qualifying roles, which makes a real difference at Bromley price levels given the borough’s median property price-to-earnings ratio of 10.6.
Bromley rewards buyers who understand which part of the borough they are buying in and what the specific property brings with it in terms of lending conditions.
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We’re used by clients across London and the wider UK, with 1,600+ verified 5★ Trustpilot reviews. You can read our independent reviews from people we’ve arranged mortgages for, which gives a good sense of how we work.
We compare around 14,000 mortgage products from more than 99 mortgage lenders, including high street banks and specialist lenders. London has its own mix of property types — period conversions, ex-local authority flats, Victorian terraces and new build towers are all assessed differently by lenders.
It’s not just about finding a rate. It’s about placing your mortgage with the right lender first time.
We don’t favour any one lender. With access to over 99 lenders, we’re spoilt for choice. We match your mortgage application with the lenders whose criteria best fit your circumstances. From your first enquiry through to your mortgage offer, you’ll have a qualified mortgage adviser managing the entire process, not a faceless call centre.
| Feature | YesCanDo Money | Typical Broker |
|---|---|---|
| Broker fees | £0 | £300–£700 |
| Whole-of-market access | ✅ 99+ lenders | Not always — many use a limited panel |
| Mortgage products | ✅ 14,000+ | Restricted to their panel (Typically 10-60 lenders) |
| Dedicated adviser | ✅ Yes | Often passed between staff |
| Application handling | ✅ Fully managed | Varies by firm |
| Updates throughout | ✅ Proactive | Often only when chased |
| Communication | ✅ Phone, Email, Video & WhatsApp | Phone or email only |
| Trustpilot rating | ✅ 5/5 Stars - Rated Excellent | Industry Standard 4.1 out of 5 |
| Fee on completion | ✅ None | Some charge on top of lender commission |
Mortgage rates move regularly and the best deal for you depends on your deposit, the property and your circumstances. The rates below give a live snapshot of what’s available at 80% loan to value, but the headline rate is only ever part of the picture. We’ll compare the true cost across 99+ lenders and match your mortgage application to the one most likely to accept it.
THE SITUATION
A commercial photographer and a dental technician, both in their early thirties, had saved a £38,000 deposit and found a two-bedroom flat on one of the purpose-built apartment blocks near Bromley South station, priced at £375,000. Their offer had been accepted and the vendor had already accepted an onward purchase, meaning chain momentum was a real constraint on timing.
THE CHALLENGE
The block was nine storeys, and the managing agent could not immediately confirm whether an EWS1 certificate had been obtained. With a 10% deposit, the buyers were applying at 90% LTV, which left no room for a down-valuation. Several mainstream lenders had already declined to quote without sight of the EWS1 documentation, stalling the application at the point of decision in principle.
WHAT WE DID
Our mortgage advisers confirmed the block had a B1 EWS1 rating, which is accepted by mainstream lenders. We identified lenders within the group of six major providers committed to considering applications on buildings over 11 metres and matched the buyers to a product that accommodated 90% LTV on a certified block, checking service charge levels and leasehold terms before submission.
THE OUTCOME
Mortgage offer issued within 16 working days, keeping the chain intact before the vendor’s onward deadline. The buyers paid no broker fee throughout.
THE SITUATION
A self-employed building contractor owned a four-bedroom 1930s semi on Birchwood Road in Petts Wood, valued at £680,000 with £310,000 remaining on the mortgage. His fixed rate was expiring and he wanted to remortgage to a better rate while raising an additional £55,000 to buy out his former partner’s share of the property.
THE CHALLENGE
He had moved from PAYE employment to sole trader status 18 months earlier, meaning he had only one full set of self-employed accounts available. Most high-street lenders required two years of accounts minimum, which ruled out most of the mainstream market. The one-year accounts position also meant several remaining lenders would only lend at reduced income multiples, which would have left him short of the funds needed.
WHAT WE DID
We identified lenders willing to assess one year of accounts alongside a strong prior employment history in the same trade, and cross-checked which would allow capital raising to the full £365,000 combined borrowing on an 85% LTV basis. We also confirmed the capital raising purpose was acceptable to each lender, as transfer of equity cases are treated differently from home improvement raises, which opened the right product options. The rate secured was 4.38% fixed for five years.
THE OUTCOME
The remortgage and transfer of equity completed in three weeks with the full £55,000 released, no broker fee charged. The new rate represented a meaningful reduction against his existing revert-to rate of 7.24%.
THE SITUATION
A couple, both working in financial services, owned a two-bedroom flat in Beckenham purchased for £410,000 and were upsizing to a four-bedroom detached house in Petts Wood at £795,000. Their second child was due within three months, making the timeline non-negotiable.
THE CHALLENGE
They were two years into a five-year fixed rate at 4.45%, leaving an early repayment charge of just over £5,900 if they exited early. Porting the existing product to the new property covered only part of the borrowing required, and the top-up would need to sit on a separate rate. The chain had three parties and the vendors had already rejected one offer from a buyer whose mortgage fell through.
WHAT WE DID
We modelled porting the existing rate alongside a top-up product at 4.83% against breaking the fix entirely and taking a single new rate across the full borrowing. The blended cost of porting came out lower over the remaining fixed term, so we structured the application on that basis and coordinated directly with the chain’s solicitors to keep momentum. A full mortgage offer was issued within 13 working days.
THE OUTCOME
The family completed in time, with the ERC avoided entirely and no broker fee charged at any stage.
THE SITUATION
A logistics coordinator was purchasing a two-bedroom Victorian terrace in SE20 as his first buy-to-let investment. The purchase price was £378,000 and he had a 25% deposit of £94,500, leaving a mortgage of £283,500. He had no existing landlord history and was moving from his own rented flat rather than an owner-occupied home.
THE CHALLENGE
Several lenders declined to quote, citing his first-time landlord status, and valuers in this part of SE20 can apply caution where streets carry a heavy mix of ex-local authority stock. The rental stress test was also tight. At a notional rate of 5.5% and a 145% coverage requirement, he needed rental income of around £1,880 per month to pass, but comparable lets on the street were running at £1,820 to £1,870, leaving him just short with the stricter lenders.
WHAT WE DID
Our mortgage advisers identified a lender that accepts first-time landlords on residential property provided the applicant is an existing homeowner or has a credible income profile, and that used a 125% stress test at 5.5%, bringing the required rental income down to approximately £1,620 per month. The property was a Victorian terrace with no ex-LA history, which removed the main objection from the lenders that had declined. We submitted a clean application with rental comparables evidenced upfront, and the valuer confirmed the property on value. The mortgage was offered in 15 days at a fixed rate of 5.35% over two years.
THE OUTCOME
The landlord completed on time with no broker fee to pay, and the property let within three weeks at £1,850 per month.
Every mortgage situation has its own quirks. We’ll find the lender that fits. Get Free Advice →
We work with high street banks as well as specialist lenders that only accept applications through brokers. Some deals simply aren’t available if you go directly to a bank.
We tell you upfront how a lender is likely to view your mortgage application and what’s genuinely achievable. No jargon, no vague answers and no surprises down the line.
We chase the mortgage lender, deal with queries and coordinate with the valuer and your solicitor so things keep moving without it landing back on you.
We identify where your case fits before submitting anything. Self-employed earnings, contractor rates, bonus income and commission can all affect which lenders say yes.
You’ll never be left wondering where things stand. We contact you when decisions are made and flag anything that needs your attention straight away.
Phone, online meeting or WhatsApp, whatever suits you best. Most clients never need to meet us in person and the advice is exactly the same either way.
With 1,600+ five-star reviews on Trustpilot, we’re ranked among the top 10 mortgage brokers in the UK. That comes from taking every case seriously and making sure every client feels looked after from the first conversation right through to completion.
Buying your first home in London means navigating leasehold flats, shared ownership schemes and new build developments. We handle the mortgage side from start to finish, including shared ownership and Help to Buy.
If your deal is ending or you want to check you’re on the right rate, we search across 99+ lenders and handle everything. It costs nothing to find out if you can do better.
Moving home in London often means properties lenders assess very differently. Whether porting (transferring your current mortgage to your new home) or getting a new deal, we compare both options and manage everything through to offer.
London has one of the strongest rental markets in the country, with high tenant demand across every borough. Rental income calculations and lender criteria need to be right from the start.
A mortgage is a long term commitment. We advise on life cover, critical illness cover and income protection so that if something unexpected happens, your home isn’t left exposed.
Bromley is the largest London borough by area, and understanding how its property market works matters when you are planning a purchase, remortgage, or buy-to-let investment here. The price gap between a first-floor flat in Penge and a detached house in Bickley is enormous, and lender behaviour shifts accordingly. Getting the right mortgage means knowing which part of the borough you are dealing with.
For many buyers, yes, particularly families who want strong schools, real green space, and a sub-20-minute train into central London without paying inner-city prices.
Bromley does not feel like one place. Bromley town centre has a busy retail and restaurant offer; Chislehurst feels closer to a Surrey village than a London suburb; Petts Wood is carefully preserved 1930s commuter-belt; Penge and Anerley are genuinely urban and more affordable. Property analyst Making Moves ranked Bromley the number one London borough for working families in 2025, weighting commute times, schools, parks, job vacancies, and crime. That ranking reflects real variety rather than a single character.
Bromley South runs direct to Victoria in 16 to 18 minutes, with around 218 trains per day on that route. Thameslink services from the same station continue through to Blackfriars, Farringdon, and St Pancras, which suits City and midtown workers directly. Beckenham Junction adds direct Victoria services and Tramlink access; Orpington and Petts Wood cover London Bridge, Charing Cross, and Cannon Street. The borough has 26 stations in total, which is one of its strongest selling points.
St Olave’s Grammar in Orpington, founded in 1571, is one of the best-performing state schools in England and drives genuine catchment demand across Orpington, Petts Wood, and West Wickham. Bullers Wood Boys, Bullers Wood Girls, and Chislehurst School for Girls are among the schools that draw families toward Chislehurst specifically. Beckenham has good primary provision and its own grammar school reach, and Newstead Wood Grammar in the southeast is within range from Petts Wood. Crystal Palace Park, Chislehurst Common, and the Ravensbourne Valley provide real weekend space.
Bromley is not cheap. The borough average now sits at around £520,000 (ONS, April 2026 provisional), and the average first-time buyer price is £400,000. For a flat at that level, most lenders want at least a 10% deposit, and purpose-built blocks in Bromley town centre and Beckenham carry real cladding and EWS1 complications on some buildings. The southeastern end of the borough is far from the West End. And if you are not a rail commuter, the road network into central London is slow.
More varied and more postcode-sensitive than most outer London boroughs, with meaningful lender complications depending on property type.
Victorian and Edwardian terraces dominate Beckenham and Penge; 1930s semis define Petts Wood, West Wickham, and Orpington; large detached homes sit at the top of the market in Bickley and Chislehurst, where Zoopla put the Bickley detached average at just over £1 million as of February 2026. Purpose-built flats are concentrated in Bromley town centre and Beckenham, and some blocks require EWS1 assessment before lenders will proceed. The lowest average postcode in the borough is BR5 3 at around £392,000; the most expensive is BR2 6 at approximately £872,000.
Bromley recorded the highest year-on-year house price growth of any London borough in mid-2025, at around 8.4%, before the market cooled to the current average of around £520,000 (April 2026). There are currently 21 active new-build developments across the borough with 680 homes for sale, averaging around £374,000 and concentrated in the BR3 area. New-build flat prices in Bromley fell 1.9% in the year to April 2026, so valuers are active and down-valuations on developer-quoted prices are a live risk.
Average monthly rents across the borough reached £1,675 in May 2026, up 3.1% year on year, ahead of the London-wide rental growth rate of 2.0% over the same period (Rightmove/local market data). Gross yields sit broadly in line with the outer London average of 5.2 to 5.7%. The best entry-level yields are in SE20 Penge and Anerley, where lower purchase prices give more comfortable rental coverage ratios on buy-to-let stress tests.
Understanding exactly where a property sits within the borough, and what lender considerations apply to that specific building, is where specialist mortgage advice pays for itself.
A short call to understand your situation and goals — income, deposit, the property and anything that might affect lender choice. From there we give you a clear picture of what’s realistic.
We search across the market, including lenders you can’t reach directly. Once you’re happy with the recommendation, we secure the rate, arrange an agreement in principle and submit the full application.
When the lender is satisfied, they issue the formal offer. We stay involved right through to completion, and if a better rate appears before then we’ll look at whether switching makes sense.
No charge for the initial discussion — we’ll explain the options before anything moves forward.
★★★★★ Rated Excellent · 1,600+ reviews
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Bromley recorded the highest year-on-year house price growth of any London borough in mid-2025, up around 8.4%, though the average has since settled at around £520,000. That growth was real, but it sits alongside flat prices that actually fell 1.9% in the year to April 2026, which means the story varies sharply depending on what you are buying and where. A 1930s semi in Petts Wood and a purpose-built flat near Bromley North Station are two very different mortgage conversations, and lender appetite for each is not the same. We are a family-run, FCA regulated mortgage broker, not a call centre. You deal with a real adviser throughout, someone who takes the time to understand your situation and works out the best route forward before any paperwork is started. Bromley has enough moving parts, cladding status on town centre flat blocks, flood risk pockets near the Cray in Orpington, conservation area considerations in Chislehurst, new-build down-valuation risk, that placing your application with the wrong lender at the outset costs time and sometimes the deal itself. Getting that right from the start is what we are here for.
