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.
Ealing spans a wide range of property types and price points, and the mortgage complexity you face depends heavily on where you buy and what you buy.
Ealing Broadway and Ealing Common (W5) attract families who have sold in Chiswick or further into Zone 2 and want a prestigious address with space. Large Edwardian semis around the Common regularly exceed £1.2 million, so deposits need to be substantial and income multiples matter.
West Ealing (W13) has drawn a new wave of buyers since its Elizabeth line station opened. It offers the same direct commute to the City and Canary Wharf at a noticeably lower entry price, and the café culture on the Broadway has grown to match. The honest catch is that the flat stock here brings cladding risk into play.
Hanwell (W7) is where buyers who have been outbid in West Ealing tend to land next. It has its own Elizabeth line station, period terraced houses, and among the lower entry prices of the Elizabeth line stations in the borough, making it one of the most realistic starting points for first-time buyers.
Purpose-built flats are the most transacted property type in the borough and carry the most complications. Flat values have fallen 6.3% in the year to April 2026 (ONS/Land Registry), which creates a real problem on remortgage cases where a purchase was made near the 2022 peak. Lease length is a consistent issue across the borough’s older stock: below 85 years remaining, lender choice starts to narrow; below 70 years, it narrows sharply. On top of that, taller blocks need their external wall position established before you spend money on surveys or legal fees: buildings over 18 metres with cladding generally need an EWS1 form, and 11 to 18 metre buildings need one where risk factors such as significant cladding or combustible balconies are present. A B2 rating where remediation has not started will block mainstream lenders entirely, and remediation on mid-rise buildings is still progressing slowly nationally, so this is a live issue across much of Ealing’s flat market.
Ex-local authority properties in Southall and South Acton are lendable, but not through every lender. Deck-access designs, blocks with a low proportion of owner-occupiers, and taller ex-council buildings all reduce the number of lenders willing to proceed. Rates are typically higher than on equivalent private stock. This is not a case for a direct comparison site.
The borough average sits at £557,000 (ONS/Land Registry, April 2026, provisional), down 4.2% year on year. A typical two-bedroom flat runs £400,000 to £600,000 depending on location and era. A three-bedroom terrace falls broadly between £650,000 and £950,000, with the Rightmove terraced average at £881,872. For a family buying at £880,000 with a 10% deposit, the loan of £792,000 requires a combined income of around £176,000 at a 4.5x multiple. That pushes many buyers into lender tiers offering 5x income or higher, which are available but not universal, and usually require a clean credit profile and stable employment. First-time buyers have a slightly more accessible average to target at £468,000, but even that figure demands a serious deposit strategy.
Getting the right mortgage in Ealing often comes down to the specific building as much as the price, which is exactly the kind of detail a fee-free broker exists to work through with you.
★★★★★ 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
An NHS midwife and her partner, a secondary school data manager, had been outbid twice in West Ealing before turning to Hanwell, where they found a two-bedroom flat in a well-kept 1990s block near the Elizabeth line station for £385,000. They had £38,500 for the deposit, putting them at 10%, and needed to borrow £346,500.
THE CHALLENGE
He had started the data manager role only ten weeks earlier and was still inside his six-month probation period, which several mainstream lenders treat as an automatic decline regardless of salary. Her NHS income included regular unsocial-hours enhancements on top of basic pay, which some lenders count in full, some at 50%, and some not at all. Which lender they chose would swing what they could borrow by tens of thousands of pounds.
WHAT WE DID
We identified lenders who accept applicants in probation where the new role is permanent and in the same field as previous employment, and cross-referenced those against lenders who take NHS enhancements at full value from recent payslips. That combination turned a string of declines into a choice of lenders, and the application went in on the £346,500 loan at 4.81% with the employment contract and three months of payslips packaged upfront.
THE OUTCOME
Formal mortgage offer received in 10 days. The couple completed on their first Ealing home and paid no broker fee throughout.
THE SITUATION
A radiographer owned a three-bedroom Victorian terrace on Melbourne Avenue, W13, valued at £785,000 with £412,000 remaining on the mortgage. Her fixed rate was ending, and she wanted to raise an additional £48,000 to fund an energy retrofit of the house: an air source heat pump, full insulation, and replacement windows, bringing the new loan to £460,000.
THE CHALLENGE
She had moved from a salaried NHS band 7 post to a bank-staff contract eight months earlier, meaning her income was now paid through a recruitment agency on fixed-term assignments rather than as a permanent employee. Several lenders treated this as self-employment and required two full years of accounts she did not yet have. Her existing lender offered a product transfer, but the rate of 5.31% was uncompetitive and the transfer would not allow her to raise the additional capital within the same application.
WHAT WE DID
We identified lenders with specific criteria for NHS bank and agency workers that assessed her income using assignment history and a reference from her agency rather than requiring two years of accounts. With a loan of £460,000 against a £785,000 value, the LTV sat at 58.6%, which opened access to more competitive rates. We compared the product transfer against the full market and secured a five-year fix at 4.86% with a lender that accepted her income structure and permitted the capital raise in a single application, avoiding separate unsecured borrowing for the works.
THE OUTCOME
Against the product transfer rate of 5.31%, the new rate of 4.86% on the £460,000 balance reduced her monthly payment by approximately £173. The retrofit was funded in one clean application, and there was no broker fee.
THE SITUATION
An optician and her partner, a council planning officer, had bought a two-bedroom flat on Singapore Road in West Ealing for £415,000 in 2021. With both now working from home more and the flat bursting at the seams, they had an offer accepted on a four-bedroom Edwardian semi near Ealing Common station at £1,080,000, with £756,000 to borrow after their sale equity and savings.
THE CHALLENGE
Their current fix at 3.89% still had fourteen months to run, carrying an early repayment charge of £6,700 on the £332,000 balance. Porting that rate was theoretically attractive, but the £424,000 top-up needed to reach £756,000 would sit on a separate product at a materially higher rate. The chain also had a deadline: the vendor had set a contract exchange date six weeks out, tied to their own onward purchase completing.
WHAT WE DID
We modelled the options side by side: porting the £332,000 at 3.89% with the £424,000 top-up at 5.40% gave a blended rate of around 4.74%, against a clean full remortgage at 4.56%. The port route worked out roughly £110 per month more expensive, so paying the £6,700 charge and starting fresh made clear financial sense over any two-year horizon. We submitted the full application to one of the fastest-processing mainstream lenders, chosen deliberately for the six-week exchange deadline.
THE OUTCOME
Formal mortgage offer arrived in 8 days. The chain exchanged on schedule, and the family were in with room to spare. No broker fee charged.
THE SITUATION
An air traffic controller was buying a one-bedroom flat in West Ealing for £342,000, with a 25% deposit of £85,500 and a £256,500 loan required. He already let one property in Northolt and wanted a second, taking advantage of the Elizabeth line access that keeps tenant demand strong in W13.
THE CHALLENGE
The lease had 79 years remaining, which sits in the range where many high street lenders either decline outright or apply stricter conditions. Several lenders he approached directly would not consider the application at all without a longer lease. The rental maths was also tight at mainstream criteria: a typical 145% coverage test at a 5.5% notional rate required £1,704 in monthly rent, and the agreed rent of £1,750 only just cleared it, leaving no room for a cautious rental valuation.
WHAT WE DID
We identified a specialist buy-to-let lender that lends on leases down to 70 years remaining and, for five-year products, applies 125% coverage at the pay rate rather than a notional figure. At 5.14%, that meant a required rent of £1,374 against the agreed £1,750, turning a marginal case into a comfortable one. The £1,750 was verified against local comparable evidence rather than the portal asking figure, and the offer came through in 22 days, reflecting the specialist route and the lease documentation required.
THE OUTCOME
He completed on the flat with no broker fee, and the lease position was fully disclosed and accepted by the lender before any survey or legal costs were committed.
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.
Ealing covers more ground than most people expect, from the wide Edwardian streets around Ealing Common to the more affordable terraces of Hanwell and Southall. Getting the mortgage right here means understanding which part of the borough you are buying in, what the property type brings with it, and how lenders will view both.
For most buyers who can afford it, yes. The question is really which version of Ealing suits your budget and priorities, because the borough is genuinely varied.
Ealing Broadway feels self-contained in a way that few outer London centres do. Walpole Park, a real high street, and a good range of restaurants give it a settled quality that attracts families who have sold in Chiswick or further in. West Ealing has a younger feel, growing quickly since the Elizabeth line arrived. Hanwell is tighter-knit, greener, and noticeably more affordable. Southall is distinct, with a strong South Asian identity, independent markets, and among the lowest entry prices in the borough. These are not interchangeable parts of the same place.
The Elizabeth line is Ealing’s headline transport story. From Ealing Broadway, Paddington takes around ten minutes, Bond Street around fifteen, and Canary Wharf around twenty-nine. All single-seat. West Ealing and Hanwell both have their own Elizabeth line stations, so the fast commute is not limited to the W5 postcode. Ealing Broadway also carries District and Central line services, giving genuine route redundancy for anyone not working on the Elizabeth line corridor.
School catchments are priced into the market explicitly, particularly around Ealing Broadway where access to the most in-demand primaries and secondaries drives competition for homes on specific streets. Families who want that school access without paying the Ealing Common premium tend to look at South Ealing and Northfields instead. Green space is genuine here: Walpole Park in the centre, Brent Valley in Hanwell, and several parks across the eastern end of the borough around Acton give families real weekend options without leaving W5 or W7.
Price is the obvious one. A typical three-bedroom terrace in the central borough runs from around £650,000 to well above £900,000, and a four-bedroom semi near Ealing Common can exceed £1.2 million. Even Hanwell, the borough’s most affordable area, is not cheap by outer-London standards. Buyers who want the Elizabeth line commute at a genuinely low entry price will find they need to accept either a smaller property or a longer walk to the station than they originally imagined.
Varied, and more sharply divided by postcode than the single borough average suggests.
The dominant stock across the central borough is Victorian and Edwardian terraced and semi-detached houses, generally uncomplicated for lenders but expensive enough that income multiples push into specialist territory for many buyers. The borough average sits at £557,000 (ONS, April 2026, provisional), but a terraced house averages closer to £882,000 and a semi-detached over £1.2 million (Rightmove, July 2026). Flats are the most transacted type by volume, with a borough-wide average of around £476,000 (Rightmove, July 2026). For flats in taller blocks, establish the external wall position early: buildings over 18 metres with cladding generally need an EWS1 form, and 11 to 18 metre buildings need one where risk factors are present, with mid-rise remediation still moving slowly nationally. Lease length on older flats is worth checking early too: lender choice narrows once a lease drops below around 85 years remaining.
Ealing prices have fallen 4.2% year-on-year to April 2026 (ONS), which is steeper than the London average decline of 2.1% over the same period. Flats have fallen hardest, down 6.3% year-on-year, which matters if you are remortgaging a flat bought in 2021 or 2022. New builds represent only 3.7% of total transactions, concentrated in Southall and South Acton rather than the central borough.
Average private rents across Ealing reached £2,060 per month in May 2026, up 1.1% from a year earlier (ONS Price Index of Private Rents). That modest growth rate is below the London average, which suggests demand is steady rather than severely supply-constrained. On a typical flat purchase at the Rightmove average, gross yield works out at roughly 5.2%, with net yield after costs more realistically in the 3.7% to 4.2% range.
Getting mortgage advice in Ealing that reflects both the property type and the specific part of the borough you are buying in makes a real difference to which lenders are available and what rates you can access.
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
Getting a mortgage in Ealing takes more local market understanding than most outer London boroughs demand. The Elizabeth line has repriced whole streets: Hanwell and West Ealing now offer a single-seat journey to Liverpool Street in around 23 minutes, yet terraced houses in Hanwell still start well below the borough average of £557,000, which is why those streets now see competitive offers from buyers who kept losing out closer to Ealing Broadway. Flats are a different story: values fell 6.3% in the year to April 2026 (ONS/HM Land Registry), and anyone remortgaging a flat bought near the 2022 peak may find their loan-to-value has shifted in a way that affects which rates they can actually access.
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.
Ealing has more moving parts than most outer London boroughs. From external wall checks on taller flat blocks to lease length issues on older purpose-built stock, from the income multiples needed to borrow against an £880,000 terrace to the specialist lender selection required for ex-local authority stock in Southall, getting the right lender from the start saves time, money, and a great deal of stress.
