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.
Greenwich covers a wide spread of property types and price points, and the type of home you buy here has a direct bearing on which lenders will consider you and on what terms.
Blackheath (SE3) draws families looking for large Victorian and Edwardian homes and a genuine village feel. Average prices sit at £686,740 (Rightmove/Land Registry, to March 2026), so loan sizes here are substantial and affordability is the main challenge rather than property type.
Woolwich (SE18) is the borough’s most active regeneration zone, with Elizabeth line access to Canary Wharf in around 8 minutes driving strong buyer and tenant demand. The mix of new-build flats and ex-local authority stock means mortgage complexity varies considerably from one street to the next.
Thamesmead (SE28) offers the most affordable entry point in the borough, but a high proportion of non-traditional construction and deck-access blocks means lender choice is genuinely restricted, so getting the right advice early matters more here than almost anywhere else in Greenwich.
Leasehold flats are the single biggest source of mortgage complications across the borough. Greenwich has a large stock of older conversions in SE10, SE18, and SE7, and many carry leases that have been running for decades without extension. Most lenders require at least 70 to 85 years remaining at application, and once a lease falls below 80 years the cost of extending rises sharply. Always obtain the lease document and calculate the remaining term before selecting a lender. Flat values also fell 3.6% in the year to April 2026, which is worth factoring into your loan-to-value calculations if you are buying or remortgaging a flat.
Ex-local authority and non-traditional construction is concentrated in Thamesmead, parts of Woolwich, and Plumstead. High-rise and deck-access ex-local authority blocks face restrictions from a significant number of mainstream lenders. Older estates built using concrete panel or similar non-standard methods require a specialist lender and a full structural survey confirming the construction type. Attempting an application without knowing the exact construction method risks a decline that leaves a footprint on your credit file.
Listed buildings are a real factor in Maritime Greenwich and Blackheath, where the borough’s listed stock is concentrated. Specialist buildings insurance is recommended rather than standard cover, and a fuller structural survey is often worth considering depending on the property’s age and condition. Some lenders require a valuer with listed building experience, which can add time to the process.
The borough-wide average sits at approximately £456,000 (ONS, April 2026, provisional), but that figure covers a wide range. A one-bedroom flat typically falls between £250,000 and £450,000, while a three-bedroom terraced or semi-detached home runs from around £450,000 to over £840,000 depending on location. First-time buyers are paying an average of £404,000, while home movers average £563,000. At a standard 4.5x income multiple, a £363,600 loan on a first-time buyer purchase with a 10% deposit requires a household income of around £80,800. Some lenders offer 5x income or higher for certain professions, which can make a meaningful difference at these price levels. Getting mortgage advice in Greenwich early helps you understand which lenders will stretch furthest for your income before you commit to an offer.
The variety of property across the borough means how you get a mortgage in Greenwich depends almost as much on what you are buying as on what you earn.
★★★★★ 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 biomedical scientist and her partner, a train driver, were buying their first home together: a two-bedroom leasehold flat at Kidbrooke Village, priced at £385,000. They had a 10% deposit of £38,500, and their combined income of £77,000 put the £346,500 loan at exactly 4.5x, right at the standard ceiling with nothing to spare.
THE CHALLENGE
The flat carried a service charge of £3,150 a year, and lenders treat that differently: some deduct it in full from affordability, which at their income knocked the maximum loan below what they needed, while others assess it more proportionately. Two direct applications had already come back with reduced loan offers for exactly this reason, and the developer’s reservation deadline gave them three weeks to produce a full mortgage offer at the right figure.
WHAT WE DID
We compared how lenders across the market treat new-build service charges in their affordability models and identified those whose calculation supported the full £346,500 at the couple’s income. We confirmed the 999-year lease and zero ground rent satisfied lender requirements, checked the developer’s incentive package sat safely under the 5% disclosure threshold, and managed the application against the reservation deadline.
THE OUTCOME
Formal mortgage offer arrived in 12 days, inside the developer’s window. They secured a five-year fixed rate of 4.87% and paid no broker fee throughout.
THE SITUATION
A marine biologist owned a two-bedroom Victorian terrace in Charlton, valued at £520,000 with £310,000 remaining on a five-year fix due to expire in six weeks. She wanted to raise an additional £35,000 alongside the remortgage to fund a side-return extension, bringing the total new loan to £345,000. The deadline was firm: her builder had a slot starting the following month and needed confirmation of funds.
THE CHALLENGE
Eighteen months earlier she had moved from a salaried role into a fixed-term contract position at a research institution. Her day rate was strong, but she only had fourteen months of contracting history. Several mainstream lenders require two full years of accounts or contract history before considering self-employed or contract income at full value, which would have capped the loan well below what she needed.
WHAT WE DID
We identified lenders who assess fixed-term contractors using their annualised day rate rather than accounts, provided the contract had at least three months remaining and the client could demonstrate a track record in the same field. Her new loan of £345,000 on a property valued at £520,000 represented a 66% loan-to-value, which unlocked competitive pricing. We secured a five-year fix at 4.77%, with the formal mortgage offer arriving in 23 days once the contractor referencing was complete, still inside the builder’s window.
THE OUTCOME
On a like-for-like 25-year term, her payment went from £1,892 at the expiring 5.43% to £1,969 at 4.77%, meaning the extra £35,000 of borrowing cost her only around £77 a month because the rate cut absorbed most of it. The extension was funded and no broker fee was charged.
THE SITUATION
A dental hygienist and her partner, a merchant navy officer, owned a two-bedroom Victorian terrace in Charlton, SE7, purchased for £410,000. They had agreed an offer on a four-bedroom Edwardian semi in Blackheath at £795,000 and needed a mortgage of £555,000 to complete the move.
THE CHALLENGE
Their existing five-year fix at 5.55%, taken at the top of the rate cycle, had 14 months left to run with an early repayment charge of £5,500 if they redeemed early. Porting was possible in principle, but it meant carrying that expensive rate onto £300,000 of the new borrowing, with the £255,000 top-up priced separately. The sale itself was an executor sale, and the estate’s solicitors had set a fixed exchange window as a condition of accepting the offer.
WHAT WE DID
We modelled the port against a clean break. Porting the £300,000 at 5.55% with the £255,000 top-up at 5.02% gave a blended rate of around 5.31%, while a full remortgage on the £555,000 came in at 4.61%. Breaking saved roughly £322 a month, recovering the £5,500 charge within 17 months, so paying the ERC was clearly the right call. We submitted the full application promptly to sit comfortably inside the executor’s exchange window.
THE OUTCOME
Mortgage offer confirmed in two weeks. The purchase exchanged within the estate’s deadline, and no broker fee was charged at any stage.
THE SITUATION
A hospital porter who had received an inheritance wanted to put it into property, choosing a two-bedroom ex-local authority flat in Woolwich at £340,000 with a 25% deposit of £85,000 and a £255,000 loan. The plan was to let to a professional commuting via the Elizabeth line to Canary Wharf, with an expected rent of £1,650 a month.
THE CHALLENGE
The rental maths sat on a knife edge at mainstream criteria. A typical 145% coverage test on the £255,000 loan required £1,642 in monthly rent, which the £1,650 cleared by just £8, leaving no room at all if the lender’s valuer took a more cautious view of achievable rent. The flat’s 71-year lease and ex-local authority status then cut the list of willing lenders further before the numbers were even assessed.
WHAT WE DID
We placed the case with a specialist lender with confirmed appetite for ex-local authority stock and leases down to 70 years, whose five-year product applied 125% coverage at the pay rate. At 5.33%, the monthly interest on £255,000 came to £1,133, requiring £1,416 in rent against the £1,650 expected, comfortable margin instead of an £8 cliff edge. We flagged the lease length upfront to avoid a late decline, and the offer came through in 25 days, reflecting the specialist route and lease review.
THE OUTCOME
The purchase completed on schedule with no broker fee to pay. He has since instructed a solicitor to begin a lease extension to protect the flat’s long-term value.
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.
Greenwich sits in an unusual position for a south-east London borough: heritage status, riverside regeneration, and four overlapping transport networks in one place. That combination shapes both buyer demand and the mortgage questions you are likely to face, from short leases on period conversions to non-traditional construction in Thamesmead.
For most buyers, yes, though what you get depends heavily on which part of the borough you land in.
Blackheath and Greenwich town offer village-feel streets, period architecture, and genuine character. Woolwich and Charlton are mid-regeneration, which means lower entry prices but more variability in what surrounds you. Thamesmead is the most affordable corner of the borough, though the housing stock is predominantly 1960s and 1970s local authority-built, and some of it comes with meaningful lending restrictions. The borough is broader and more varied than its postcode suggests.
Greenwich station runs to London Bridge in under ten minutes by National Rail, and to Cannon Street in under fifteen. The DLR from Cutty Sark reaches Bank in around twenty minutes. North Greenwich puts you on the Jubilee line, with Bond Street reachable in roughly twenty minutes. The Elizabeth line at Woolwich reaches Canary Wharf in approximately eight minutes and Tottenham Court Road in around twenty, which has meaningfully shifted buyer and tenant demand across the south-east of the borough since it opened.
The schools that drive catchment demand are concentrated in Blackheath and Eltham, where families compete for addresses within distance-based admissions zones. Eltham offers a more suburban pace that suits families wanting space without the Blackheath premium. Greenwich Park, Blackheath, and Oxleas Wood give the borough proper green space within walking distance of most residential streets.
Blackheath and Greenwich town prices reflect the demand. A three-bed terraced house in either area will sit comfortably above £600,000, and Blackheath averages £686,740 (Rightmove/Land Registry, to March 2026). If you want the village feel but are working with a first-time buyer budget, you will likely be pushed east toward Woolwich or Plumstead instead. The regeneration areas are genuinely improving, but they are not finished yet.
Varied, and more sharply divided by postcode than almost anywhere else in south-east London.
The borough-wide average sits at approximately £456,000 (ONS, April 2026, provisional), with first-time buyers averaging around £404,000 and home-movers closer to £563,000. Stock ranges from Georgian terraces and Victorian conversions in SE10 and SE3, through 1930s semis in Eltham, to large-scale new-build leasehold schemes at Greenwich Peninsula and Kidbrooke Village. The single most common mortgage complication across the borough is short leases on converted flats. Many older conversions in Greenwich town, Woolwich, and Charlton carry leases that have been running for decades without extension, and most lenders want at least 70 to 85 years remaining at application. Confirming the exact lease length before selecting a lender saves time and avoids declined applications. Ex-local authority stock in Thamesmead and parts of Woolwich introduces further lender restrictions, particularly for high-rise and deck-access blocks, and non-traditional construction types require specialist lender appetite alongside a full structural survey.
Flat values fell 3.6% in the year to April 2026, which is worth factoring into loan-to-value conversations if you are buying or remortgaging a flat. New-build completions are active across the Peninsula, Kidbrooke Village, and Charlton Riverside, with prices ranging from around £316,000 to £615,000 depending on size and location. Local properties have typically been taking over three months from listing to completion and often sell slightly below asking, so building realistic timelines into your plans matters.
Average private rents in Greenwich reached £1,952 per month in May 2026, up 4.4% year on year (ONS PIPR), which is more than double the London-wide rental growth rate of 2.0% over the same period. Gross yields sit in the 4 to 5% range depending on the source and property type. The Elizabeth line corridor, particularly around Woolwich, is generating the strongest rental demand from tenants working in Canary Wharf.
Whichever part of the borough you are buying in, the sections below cover the specific lending challenges and what you can do about them.
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
The Barclays Fast-Track Remortgage service launched on Monday 7 September 2026. Homeowners who meet the criteria can now receive a mortgage offer within 24 hours and complete their remortgage in
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
Greenwich carries genuine complexity beneath its heritage appeal. Short leases on converted Victorian flats are the single most common lending obstacle in SE10 and SE7, while Thamesmead and parts of Woolwich bring non-standard construction and flood risk into the picture. Getting lender selection right before application matters more here than in most London boroughs. 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. In a borough where the right lender for a Blackheath Victorian terrace is rarely the right lender for a Kidbrooke Village new-build leasehold flat, the structure of your mortgage application can be just as important as the rate.
