We compare 14,000+ mortgage deals from over 99 UK lenders, matching your application to the lenders most likely to accept it.
1,600+ verified reviews on Trustpilot from real clients.
Ranked among the top 10 mortgage brokers in the country.
No advice fee, no application fee, no fee on completion.
Advice held to the highest professional standards.
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.
Camden is not one market. From the Georgian streets of Hampstead to the regeneration flats near King’s Cross, the property you buy here will shape your mortgage in very different ways.
Kentish Town draws families and professionals who want Victorian terraced houses without Hampstead prices. The Northern line at Kentish Town station keeps the City within easy reach, though the trade-off is that two and three-bedroom houses still regularly clear £1 million.
West Hampstead attracts younger professionals who want genuine transport choice. The Jubilee line, Overground, and Thameslink all run within a short walk of each other, making the Canary Wharf commute around 25 to 30 minutes. It is predominantly a flat market, with more accessible price points than Hampstead village proper.
King’s Cross and Euston is where new build activity is concentrated. Entry-level new build flats start at around £395,000, making it the most affordable corner of the borough for first-time buyers, though lender new build criteria add complexity from the outset.
Leasehold conversion flats make up the majority of what sells in Camden, and lease length is the single most common structural mortgage obstacle in the borough. Lenders typically require 70 to 85 years remaining at the end of the mortgage term. On a 25-year mortgage, that means the lease needs to be at least 95 to 110 years at completion for many lenders. Camden’s large stock of Victorian conversion flats, many originally granted 99-year leases in the 1970s and 1980s, now regularly produces cases where lease extension is needed before exchange. That adds cost and time to the process, so check the lease length before you offer, not after.
Ex-local authority flats are present in Camden Town, Gospel Oak, and parts of Kentish Town. Lender appetite varies considerably. Some high-street lenders will not lend on certain estate configurations or above specific floor thresholds. A specialist or whole-of-market adviser is often necessary to find a lender willing to proceed on acceptable terms.
Listed buildings and conservation area properties are genuinely relevant here. Camden has 1,964 listed buildings and 40 conservation areas covering roughly half the borough. Lenders do not universally restrict on listed status, but specialist buildings insurance is recommended, and a fuller structural survey is often worth considering depending on the condition and age of the property.
The average first-time buyer price in Camden is £698,000 (April 2026, provisional). The typical flat transacted across the borough averaged £829,000. At house level, the average terraced house sits at around £2,273,000. These are not figures that stretch standard high-street mortgage products comfortably. At 4.5 times income, a £698,000 purchase with a 10% deposit requires a combined income of roughly £140,000. Many Camden buyers have complex income structures, with bonuses, contractor earnings, or equity forming a meaningful part of their pay. Lenders who assess income flexibly, or who offer 5x income or higher for qualifying professional borrowers, are often the right fit for this market.
Camden rewards buyers who take mortgage advice before they start viewing, not after they have had an offer accepted.
★★★★★ 1,600+ verified reviews
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 financial analyst and a freelance copywriter, buying together for the first time, had an offer accepted on a two-bedroom conversion flat on Leighton Road in Kentish Town at £685,000. They had a £68,500 deposit and needed to complete before their rental tenancy expired, giving them a firm deadline.
THE CHALLENGE
The flat was in a converted Victorian terrace with a lease showing 74 years remaining. On a 25-year mortgage, most high-street lenders required at least 95 years at completion, making the property unmortgageable under standard criteria. The freelance income also needed careful evidencing, as one applicant had only 18 months of trading accounts rather than the two years most mainstream lenders prefer.
WHAT WE DID
We identified lenders with more flexible lease requirements and confirmed one willing to proceed subject to a simultaneous lease extension being agreed with the vendor. We also sourced a lender whose underwriters would assess 18 months of self-employed accounts alongside the salaried income, resulting in a combined borrowing assessment that met the purchase price comfortably at a rate of 4.62%.
THE OUTCOME
Mortgage offer issued in 5 working days, with the lease extension agreed in parallel before exchange. The couple completed ahead of their tenancy deadline and paid no broker fee throughout.
THE SITUATION
A structural engineer owned a two-bedroom Victorian conversion flat on Belsize Avenue, valued at £920,000 with £410,000 remaining on a five-year fixed rate due to expire in six weeks. He wanted to remortgage and raise an additional £65,000 to fund a rear extension on the maisonette below, which he also owned and was planning to let. The combined borrowing requirement brought the total loan to £475,000.
THE CHALLENGE
His income had shifted eighteen months earlier from PAYE employment to a rolling fixed-term contract through a limited company. Most high-street lenders were assessing him on one year of accounts, which understated his actual earnings. Several lenders also took a cautious view of the capital raising purpose, since the funds were for works to a separate property he let out rather than his own home, which narrowed the product matching.
WHAT WE DID
We identified lenders who assess fixed-term contractors using day-rate calculation rather than company accounts, which accurately reflected his annualised income and brought the affordable loan size back into range. We ran a full product transfer comparison against the open market and confirmed that switching lender delivered a meaningfully lower rate while accommodating the capital raise as a single advance. The mortgage was secured at 4.48% on a three-year fix.
THE OUTCOME
He completed the remortgage with the full £65,000 released for the extension works, at a rate 0.5% below his existing lender’s product transfer offer. No broker fee was charged.
THE SITUATION
A management consultant and a documentary producer were selling their two-bedroom flat in Kentish Town, purchased for £620,000, and buying a three-bedroom Victorian terrace in Primrose Hill at £1,475,000. The producer was due to start filming abroad within two months, making the move time-critical.
THE CHALLENGE
Their existing fixed rate had eight months left to run, with an early repayment charge of just over £4,900. Porting the mortgage to the new property would have avoided the ERC, but the ported rate was significantly higher than the best available deals on the market. The chain also had four parties, and one buyer further down had already caused a three-week delay, compressing the timeline considerably.
WHAT WE DID
We modelled the full cost of porting against paying the ERC and remortgaging with a specialist lender able to assess the producer’s irregular commission income alongside the analyst’s salary. Against the ported rate of 5.39%, the new rate of 4.66% on the £1,050,000 borrowing saved over £600 a month, recovering the ERC cost within nine months and making it the clear choice. We coordinated directly with solicitors to keep the chain moving.
THE OUTCOME
Mortgage offer issued 8 working days. Completion landed before the filming commitment began, with no broker fee charged.
THE SITUATION
A recruitment director based in King’s Cross wanted to purchase a two-bedroom conversion flat on Leighton Road, NW5 as her first buy-to-let investment. The asking price was £520,000 and she had a 25% deposit of £130,000, leaving a mortgage requirement of £390,000.
THE CHALLENGE
Two issues surfaced during initial research. First, the lease had 74 years remaining, which meant it would fall below the threshold most lenders require at the end of a 25-year term. Second, several mainstream BTL lenders applied more cautious income coverage tests to first-time landlords, and the projected rent of £2,270 per month was tight against the stress-tested rate. A number of high-street lenders declined outright on the lease alone.
WHAT WE DID
Our mortgage advisers identified a specialist BTL lender comfortable with shorter leases on the condition that a lease extension was initiated within six months of completion, and one whose rental stress test at the prevailing rate was met by the NW5 yield at 75% LTV. The vendor also agreed to a price reduction to £510,000 to reflect the lease position, which eased the coverage calculation further. We structured the application around a five-year fixed rate of 4.62% to lock in predictable costs.
THE OUTCOME
Mortgage offer issued in 9 working days, ahead of the client’s tenancy start deadline. No broker fee charged.
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.
Camden is one of London’s most complex property markets, where the difference between a flat in Euston and a townhouse in Primrose Hill is not just price but an entirely different set of lender considerations. Getting the mortgage right here means understanding the borough at postcode level, not borough level.
For the right buyer, absolutely, though Camden rewards people who know which neighbourhood actually suits them rather than buying into the name.
Camden is not one place. Hampstead Village feels like a Georgian market town suspended above the Heath. Camden Town is urban, loud, and culturally dense in the best and most chaotic sense. Kentish Town sits somewhere between the two: increasingly gentrified, still residential, with actual houses on actual streets at prices that are high by any national measure but relatively grounded for inner north London. Primrose Hill’s pastel terraces on Regent’s Park Road are among the most recognisable streets in the capital, and the demand there has barely softened in a decade.
The transport connectivity is genuinely exceptional for a Zone 2 borough. Camden Town station puts Oxford Circus roughly ten minutes away on the Northern line. West Hampstead offers three separate services: the Jubilee line reaching Canary Wharf in around 25 to 30 minutes, the Overground Mildmay line across north London, and Thameslink for cross-London journeys. King’s Cross St Pancras, sitting at the borough’s southern edge, connects to six Underground lines, Eurostar, and intercity services to Edinburgh, Leeds, and Manchester.
The schools that drive the strongest catchment demand in Camden include Camden School for Girls and The UCL Academy, both of which operate distance-based admissions and generate real competition for nearby addresses. Eleanor Palmer and Torriano primaries in Kentish Town are among the most sought-after at primary level. Hampstead Heath and Parliament Hill Fields give families serious green space within the borough, and Gospel Oak sits close enough to the Heath to offer more space per pound than the Hampstead premium streets immediately north.
The price. Camden’s average property price sits at around £795,000 (provisional, April 2026), making it the third most expensive borough in London. The vast majority of what sells here is flats, and many of those flats come with leasehold complications, service charges, and lease lengths that need checking before you fall in love with a property. Camden does not suit buyers who want space for their money. It suits buyers who want Zone 1 access, cultural density, and long-term capital resilience, and who can absorb the entry cost to get it.
Heavily skewed toward flats, sharply tiered by postcode, and significantly more expensive than most buyers expect until they look at the data.
Flats and maisonettes account for 83.9% of all sales in Camden. The stock ranges from Georgian and Victorian conversions in Hampstead and Belsize Park to purpose-built mansion blocks in West Hampstead and new build apartments in the King’s Cross and Euston regeneration corridor. The average flat transacted in the borough over the past 12 months was £829,000. Houses exist, mainly in Hampstead, Primrose Hill, and Kentish Town, but terraced house prices average around £2.27 million across the borough. Camden also has 1,964 listed buildings and 40 conservation areas, which affects buildings insurance sourcing and the cost of maintenance work on period stock. Specialist buildings insurance is recommended for listed properties.
The borough average stands at £795,000 (provisional, April 2026 Land Registry data), with 25.3% of sales above £1 million compared to 1.3% nationally. New build activity is minimal at 0.9% of sales, concentrated in the King’s Cross corridor where entry-level new build flats start around £395,000 and premium units reach £2.2 million.
Average private rents across Camden reached £2,759 per month in May 2026, down 2.2% year on year, suggesting some softening at borough level after a sharp 13.3% rise recorded in April 2025 (ONS). One-bedroom flats average around £2,300 per month, with two-bedroom flats in King’s Cross and Hampstead reaching £3,000 to £3,200. Gross yields are modest: NW5 in Kentish Town sits at roughly 3.5 to 4.0%, making it the most accessible BTL entry point in the borough.
Those yield figures underline why Camden BTL buyers typically need specialist lender support, and why getting the income assessment and rental coverage calculation right matters as much as finding the right property.
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
Buying a house is the biggest financial decision most of us ever make. So why do so many of us walk into offers armed with little more than a Rightmove
Lloyds Banking Group is launching a new mortgage that lets first-time buyers get on the property ladder with a deposit of just £5,000. The Halifax £5,000 Deposit Mortgage goes live
In a property market that has spent the last two years swinging between hesitation and urgency, the speed of your mortgage offer is no longer just a convenience. It decides
Camden is a borough where 83.9% of sales are flats, and the majority of those are leasehold conversions in Victorian and Edwardian houses. That matters because a lot of Camden’s older converted stock was granted 99-year leases back in the 1970s and 1980s, which means lease lengths are quietly creeping toward the thresholds where lenders start asking questions. On a 25-year mortgage, many lenders want to see at least 95 to 110 years remaining at completion. If your solicitor flags a short lease during the transaction, knowing which lenders have more flexibility, and how to structure the extension negotiation around the purchase, can be the difference between a deal that completes and one that falls apart. We’re 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. Camden purchases rarely fit a standard template. A first-time buyer at £698,000 needs a combined income most high-street calculators won’t stretch to at 4.5x. A buy-to-let investor in Kentish Town is buying into a 3.5 to 4.0% yield market where interest coverage ratios need careful lender matching. A buyer on Regent’s Park Road is dealing with a property that may attract significant cash buyer competition and require complex income assessment. Getting the lender right first time, before the application goes in, is what makes the difference here.
