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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.
Hammersmith’s property market splits sharply by type, and the type you buy shapes the mortgage you need more than almost anywhere else in west London.
Brackenbury Village draws families looking for Victorian terraced streets with a genuine neighbourhood feel between King Street and Goldhawk Road. Demand is high and supply is tight, which keeps prices toward the upper end of the W6 range.
The streets around Ravenscourt Park attract buyers who want substantial period houses and direct District line access. The park itself drives consistent family demand, and properties here rarely sit on the market for long.
Brook Green offers a quieter, greener feel along its elongated common and sits close to St Paul’s Girls’ School, one of the country’s top-ranked independent schools by GCSE results. The tube is a short walk rather than a short ride, which is worth factoring into your daily routine.
Leasehold flats make up around 70% of all property sales in Hammersmith and Fulham (Land Registry data), so this is the issue most buyers will actually face. Many purpose-built flats built in the 1970s and 1980s now carry leases that have fallen below 85 years, and mainstream lenders typically require at least 70 to 85 years remaining at application, with most also wanting the lease to run 30 to 40 years beyond the end of the mortgage term. Extension costs rise sharply below 80 years, so checking the lease early is essential, not an afterthought. Building safety adds another layer for flats in taller blocks: 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 lenders requiring the confirmation before proceeding.
Ex-local authority flats represent a meaningful share of available stock across the borough. Many mainstream lenders cap lending on ex-local authority properties at 75 to 80% LTV, apply minimum floor area requirements, and restrict lending on deck-access or high-rise blocks entirely. Specialist lenders can help, but the rates will be less competitive. Identifying the tenure and building type before applying saves significant time.
A one-bedroom flat typically starts around £400,000 to £550,000, with two-bedroom flats ranging from £550,000 to £800,000 depending on condition, lease, and street. Victorian terraces in W6 average around £1,384,000 (Rightmove/Land Registry data), with Brackenbury Village and Ravenscourt Park streets pushing toward the top of that range. The ONS first-time buyer average for the borough stood at £635,000 in April 2026 (provisional). At 4.5x income, a £635,000 purchase with a 10% deposit requires a household income of around £127,000. Some lenders will stretch to 5x income or higher for applicants in qualifying professions, which makes a material difference at these price points. Borough-wide prices fell 7.6% year-on-year to April 2026 (ONS, provisional), a steeper correction than the London average, so buyers entering now are working from a softer base than the recent peak.
Get the lease length and property classification confirmed before you make an offer. In Hammersmith, those two details determine which lenders will consider you as much as your income does.
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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 newly appointed consultant anaesthetist buying her first home found a two-bedroom converted flat on Starch Green Road in Brackenbury Village, priced at £575,000. After a decade of training and moving between hospitals, she wanted to complete before taking up her substantive post, and had a 10% deposit saved. The flat was in a small Victorian conversion with four units.
THE CHALLENGE
The lease had 76 years remaining. Most mainstream lenders require significantly more than that on a 25-year mortgage, and several declined outright at the desktop stage. Her income of £105,000 was also structured across a basic NHS salary, banded enhancements and on-call payments, which many standard affordability calculators treat inconsistently, understating what she actually earned.
WHAT WE DID
We identified lenders with more flexible lease policies whose underwriters accept banded NHS enhancements as core income, then matched her to a professional mortgage product available to doctors at up to 5x income. That put the £517,500 loan at 4.93x, within policy with room to spare. We confirmed the lease position with the solicitor before submitting to avoid a mid-application surprise.
THE OUTCOME
Formal mortgage offer in 16 days at 5.07%, with exchange completed before her first day in the new post. After ten years of hospital accommodation and rentals, the flat was hers. She paid no broker fee throughout.
THE SITUATION
A video editor based in Brook Green owned a two-bedroom Victorian conversion flat on Blythe Road, valued at £620,000, with £310,000 remaining on a five-year fix expiring in six weeks. She wanted to raise an additional £40,000 alongside the remortgage to convert her box room into a properly soundproofed edit suite, and the only window she could live around the works was a gap between client contracts in the autumn, which meant contractors needed booking and paying to a fixed date.
THE CHALLENGE
She had moved from a salaried role to freelance work eighteen months earlier. Her income had grown year on year, but she only had one full year of self-employed figures filed at the point of application. Many mainstream lenders require two years, which would have restricted her options and pushed her toward less competitive rates on the raised capital.
WHAT WE DID
We identified lenders that assess new freelancers on their first year’s finalised tax figures together with signed contracts already in hand for the year ahead, a documentary route that reflected where her income was actually going rather than where it had been. Comparing a full remortgage against a product transfer with a separate further advance, the single new deal won. We secured 5.01% on the total £350,000 loan, with the offer completed in 19 days so the contractor bookings could go ahead.
THE OUTCOME
The suite was built inside her contract gap, the flat gained a room that earns its keep, and she paid no broker fee.
THE SITUATION
A barrister and a deputy headteacher were selling their two-bedroom flat on Hammersmith Grove for £620,000 and buying a three-bedroom Victorian terrace in Brackenbury Village at £1,275,000, with a £255,000 deposit from their sale equity and a £1,020,000 loan required. The sellers were emigrating on a booked flight, and had made a fixed exchange date a condition of accepting the offer.
THE CHALLENGE
Their existing fix had nineteen months left to run, carrying an early repayment charge of £7,600, and the rate on it was 5.19%, taken near the top of the market. Porting looked simple on paper, but newer products were meaningfully cheaper, and at a combined income of £210,000 the £1,020,000 loan sat at 4.86x, which needed a lender comfortable at the upper end of professional income multiples.
WHAT WE DID
We modelled both routes on the full loan. Porting at 5.19% against a new five-year deal at 4.33% was a £731-a-month difference, meaning the £7,600 charge would be recovered within eleven months of a nineteen-month term, so breaking the fix was clearly right. We matched the case to a lender offering enhanced multiples for professional applicants and submitted with the sellers’ exchange date built into the timeline.
THE OUTCOME
Mortgage offer confirmed in under three weeks, exchange completed before the sellers flew, and the keys were theirs with the removal van already booked. No broker fee.
THE SITUATION
An orthodontist buying an investment property chose a two-bedroom ex-local authority flat near King Street, W6, priced at £480,000. He put down a 25% deposit of £120,000, leaving a £360,000 buy-to-let mortgage to place, with a letting agent quoting £2,100 a month on the strength of the street’s rental demand.
THE CHALLENGE
Most mainstream BTL lenders either decline ex-local authority stock or cap lending at 75% LTV with additional restrictions on deck-access blocks, and this block had communal corridor access, which several lenders treated as deck access and declined outright. The stress maths ruled out most of the rest: a typical 145% test at a 5.5% notional rate required £2,393 in monthly rent, well above the £2,100 quoted.
WHAT WE DID
We identified a specialist BTL lender comfortable with ex-local authority stock and communal-corridor access, whose five-year product applies 125% coverage at the pay rate: at 4.47%, that meant £1,676 of required rent against the £2,100 quoted, comfortable rather than impossible. We submitted promptly and managed the valuation instruction directly with the lender, briefing the valuer on the corridor layout in advance.
THE OUTCOME
Formal mortgage offer arrived in just under four weeks, with time to arrange the tenancy before the rate reservation expired. No broker fee.
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.
Hammersmith sits in west London’s Zone 2, roughly five miles from Central London, and the mortgage market here is genuinely complex. Flood risk, short leases, and a flat-heavy transaction base mean the right lender choice matters as much as the rate you secure. Getting mortgage advice in Hammersmith from someone who understands these property-specific issues can save you significant time and money.
For most buyers who can stretch to it, yes, though the price and the property quirks deserve full attention before you commit.
Hammersmith has a split personality in the best way. The Broadway is busy, urban, and commercial. Turn onto the streets behind King Street or toward Ravenscourt Park and it quietens quickly into Victorian terraces, independent cafés, and a neighbourhood feel that the centre does not hint at. Brackenbury Village, the pocket between King Street and Goldhawk Road, is genuinely sought-after, with tight-knit streets and strong demand from families. The riverside along the Mall and Chiswick Mall is among the most prestigious addresses in west London, though properties there come with flood risk that needs careful handling.
The transport case for Hammersmith is strong. Four Underground lines serve the area: the District and Piccadilly lines from one station, and the Hammersmith and City and Circle lines from a second station a short walk north. The Piccadilly line reaches Piccadilly Circus in around 17 minutes and Heathrow Airport in around 30 minutes, which is a genuine draw for anyone who travels internationally or works at the airport. The City of London is roughly 30 to 35 minutes on the Hammersmith and City line.
Schools drive a meaningful share of family demand here. St Paul’s Girls’ School in Brook Green is one of the country’s top-ranked independent schools by GCSE results, and proximity to it shapes property prices along that stretch. The streets around Ravenscourt Park attract families for the park itself, a large and well-maintained green space that anchors weekend life in that part of W6. Brook Green and Brackenbury Village both carry a quieter, residential pace that families tend to value once they look beyond the Broadway.
Hammersmith is expensive, and the price correction has been steeper here than across London broadly. The borough average fell 7.6% year-on-year to April 2026 (ONS, provisional), compared with a London-wide fall of 2.1%. Flat prices dropped 8.7% over the same period. The other honest catch is Hammersmith Bridge, which remains closed to most traffic, cutting road connections south of the river to Barnes and Richmond. If that commute matters to you, check the current situation before buying.
The market is flat-heavy, leasehold-complex, and sharply varied by street and property type.
Flats account for around 70% of all sales in Hammersmith and Fulham (Land Registry data), making leasehold considerations central to almost every purchase. The W6 flat average was £612,563 over the 12 months to April 2025 (Rightmove and Land Registry). Terraced houses in the borough averaged £1,384,000 over the same period, with Brackenbury Village and Ravenscourt Park streets sitting toward the upper end of that range. Short leases are a live issue: many purpose-built blocks from the 1970s and 1980s now carry leases below 85 years, and extension costs rise sharply once a lease falls below 80 years. Ex-local authority flats exist across the borough and attract tighter lending criteria from most mainstream lenders, typically capped at lower loan-to-value ratios. Buildings over 18 metres with cladding generally require an EWS1 form before a lender will proceed; those between 11 and 18 metres may require one where specific risk factors are present; buildings under 11 metres are generally exempt. Always verify lease length, tenure, and building type early in your search if you want to get a mortgage in Hammersmith without avoidable delays.
The borough average stood at £742,000 in April 2026 (ONS, provisional), reflecting the correction noted above. New-build transactions are rare, representing under 1% of total sales, and where available they carry a substantial premium over comparable existing stock. Developer incentives on new builds are subject to lender restrictions and cannot always be included in your deposit calculations.
Average private rents in Hammersmith and Fulham reached £2,770 per month in May 2026 (ONS Price Index of Private Rents), well above the London average of £2,294. Rental growth was just 0.5% year-on-year, however, reflecting affordability limits after sharp rises in earlier years. W6 is among the higher-yielding postcodes in the borough at around 4.9% gross (PropertyInvestmentsUK, July 2026), though net yields after costs are closer to 3.2 to 3.6% (Investropa, May 2026). This is not a high-yield market, and buy-to-let stress tests at these price levels typically require a deposit of 30 to 40% for the rental income to satisfy lender requirements.
The property complexity across W6 makes whole-of-market mortgage advice genuinely valuable here, and our fee-free service means you pay nothing for it.
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.
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Hammersmith is a market where around 70% of all sales are flats, and a meaningful share of those carry leases that have drifted below 85 years, which is exactly where mainstream lenders start to hesitate. Add flood risk that affects a larger share of homes than in most London boroughs, a proportion of ex-local authority stock that many high street lenders will not touch, and cladding remediation requirements on taller purpose-built blocks, and the mortgage is rarely as simple as the viewing made it feel.
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 Hammersmith, placing your mortgage with the wrong lender can mean a down-valuation on a flood-risk riverside flat, a decline on a short-lease conversion, or a last-minute refusal on ex-LA stock. Getting that right at the start is what good mortgage advice here actually looks like.
