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.
Richmond upon Thames has one of the most varied and challenging property markets in outer London, and the type of home you buy here shapes your mortgage options as much as the price does.
Barnes draws high-earning families and professionals after a village feel without leaving London, with typical asking prices around £1,273,622 making it the borough’s most expensive sub-area. The housing stock is almost entirely large Victorian and Edwardian houses and period conversions, so lease length checks are essential before making any offer.
Kew appeals to families who want a quieter, more residential pace alongside a direct District line connection from Kew Gardens station into central London. Period terraced and semi-detached homes dominate, and demand is reinforced by the long-term draw of the Royal Botanic Gardens on the doorstep.
Hampton is the borough’s most accessible entry point, with typical asking prices around £632,782 and more generous house sizes for the budget. The trade-off is a longer Waterloo commute on the Shepperton branch, and some parts of the area carry flood risk given the proximity to the Thames and Mole confluence.
Period conversion flats are the dominant flat type across the borough, and lease length is the single most common obstacle at the mortgage stage. Most lenders will not proceed below 70 years remaining at application, and extension costs rise sharply once a lease falls below 80 years. On any flat in a converted Victorian or Edwardian house, you should check the lease before you instruct a solicitor, not after.
Listed buildings are a genuine local consideration. Richmond upon Thames contains more than 800 listed buildings across Richmond town centre, Barnes, Kew, and Ham. Most high-street lenders treat listed buildings as non-standard construction and typically require a larger deposit, often in the 25% to 40% range. Specialist buildings insurance is recommended, and a fuller structural survey is often worth considering depending on the property’s condition and age. Grade I listed properties sit in specialist lending territory with limited lender appetite.
New build flats are most active around Twickenham and Richmond, with one-bedroom flats in the TW9 area listed at around £725,000. Most lenders cap new build flat lending at 75% to 80% LTV, and valuer down-valuations on new builds are a recurring risk given the premium over second-hand stock. Builder incentives above roughly 5% must be declared and reduce the lender’s net purchase price for LTV calculation purposes.
The borough average house price is £789,000 (HM Land Registry, May 2026, provisional), with first-time buyers averaging £630,000. A typical one-bedroom flat runs from £400,000 to £600,000 depending on condition and location, while a three-bedroom terraced or semi-detached home ranges from £850,000 to £1,200,000. At £630,000 with a 10% deposit, the loan of £567,000 requires a sole income of around £126,000 at a 4.5x multiple. Many buyers here rely on joint incomes or gifted deposits, and some lenders offer 5x income or higher for qualifying professional borrowers, which can meaningfully shift what is achievable at these price points.
Getting a mortgage in Richmond upon Thames means working with a broker who understands which lenders are genuinely comfortable with period conversions, listed buildings, and the flood risk postcodes along the Thames.
★★★★★ 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 environmental scientist and a wildlife photographer, buying together, made an offer on a two-bedroom period conversion flat near Kew Gardens station. The asking price was £595,000, a figure that felt ambitious but reflected the reality of TW9 even at the lower end of the market. They had a 10% deposit of £59,500, leaving a loan of £535,500.
THE CHALLENGE
Their combined income was £113,000, putting the required loan at 4.74x, above the standard 4.5x cap most high-street lenders apply. The flat also sat in a converted Victorian house with 78 years remaining on the lease, short enough that several lenders declined before the income conversation even started. They had a tenancy expiry pressing in eight weeks.
WHAT WE DID
We identified lenders with both a professional income stretch scheme allowing 5x income or higher and an acceptable minimum lease position at 78 years. We confirmed the lease length cleared the lender’s threshold with enough headroom for the mortgage term, then secured a rate of 4.55% on a repayment basis before the tenancy deadline became critical.
THE OUTCOME
Formal mortgage offer arrived in 14 days. They completed on the Kew flat before their rental tenancy ended and paid no broker fee throughout.
THE SITUATION
A session musician with a decade of steady contract work owned a period semi-detached house in East Sheen, valued at £790,000, with £515,000 remaining on her mortgage. Her fixed rate was expiring and she wanted to raise £27,000 to convert the detached garage into a soundproofed practice room, with a run of studio bookings from spring meaning the work had to happen over winter.
THE CHALLENGE
Her existing lender offered a product transfer at 5.50%, which looked simple on paper. But the new total loan of £542,000 at that rate meant monthly payments of £3,328 on a 25-year repayment basis. She also needed to confirm the conversion sat within permitted development, as several neighbouring properties on her street carry Grade II status and the conservation area rules bite quickly here.
WHAT WE DID
We compared the product transfer against the whole market. A full switch to a new lender secured a rate of 5.11% on the same £542,000 loan over 25 years, bringing monthly payments to £3,203. We confirmed the property was not listed and the works fell within permitted development, cleared the capital raise purpose with the lender, and submitted the full application promptly to protect the winter build window.
THE OUTCOME
Mortgage offer arrived in 19 days. The saving of £125 a month against the product transfer rate meant the conversion effectively cost her less than she had planned, with no broker fee to pay.
THE SITUATION
A video producer and her partner, a rowing coach, were buying a four-bedroom Victorian semi in Kew at £795,000, moving on from their two-bedroom flat in East Sheen. With their daughter starting at Grey Court School in Ham, completing before the autumn term became the family’s fixed deadline.
THE CHALLENGE
Their existing mortgage had a balance of £230,000 at 4.24% with an early repayment charge of £5,600 still to run. The question was whether to port that deal and take a separate top-up of £340,000 at 4.99%, or clear the existing mortgage entirely and remortgage the full £570,000 at 4.87%. The ERC made the clean remortgage feel expensive, but the blended rate on the ported deal needed careful checking before assuming it was the better option.
WHAT WE DID
We modelled both routes side by side. Porting the £230,000 at 4.24% alongside a £340,000 top-up at 4.99% produced a blended rate of approximately 4.69% and avoided the £5,600 ERC entirely. A clean remortgage at 4.87% on the full £570,000 loan worked out to roughly £59 a month more, with the ERC on top. Porting won clearly on both counts.
THE OUTCOME
Mortgage offer confirmed in 16 days, exchange completed ahead of the deadline, and the family moved into Kew before the new term. No broker fee charged.
THE SITUATION
A dermatologist based in west London purchased a one-bedroom period conversion flat in Kew for £520,000, putting down a 25% deposit of £130,000 and borrowing £390,000. Expected rental income was £2,340 per month, in line with current demand from professional tenants near Kew Gardens station.
THE CHALLENGE
Most mainstream BTL lenders stress-test at 5.5% on a notional interest-only rate, requiring 145% rental coverage. On a £390,000 loan that means needing £2,592 per month in rent. At £2,340, the application failed that test by £252 a month. The flat was also a period conversion, which added scrutiny on lease length before any lender would proceed.
WHAT WE DID
We identified a specialist BTL lender willing to apply a 125% coverage ratio at the actual pay rate of 5.03%. At that basis, the required monthly rent was £2,043. The £2,340 achieved rent cleared that figure comfortably. We confirmed the lease had sufficient years remaining before submitting, removing the one condition that could have stalled the application. Mortgage offer came through in three weeks, giving the landlord time to finalise the tenancy agreement before the tenant’s existing lease expired.
THE OUTCOME
The purchase completed with a 5.03% BTL rate on £390,000, no broker fee charged. The flat was tenanted from day one.
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.
Richmond upon Thames is one of southwest London’s most consistently sought-after boroughs, and the mortgage decisions here are rarely simple. High prices, a prevalence of period conversions with short leases, listed buildings, and riverside flood risk all require careful lender matching before you commit to an offer.
For the right buyer, it is hard to fault, though the price of entry is genuinely steep and that shapes every financial decision that follows.
Richmond upon Thames stretches from the rugby grounds and riverside restaurants of Twickenham through the village calm of Barnes, the botanical elegance of Kew, and up to the parks and hilltop streets of Richmond itself. It is consistently ranked among London’s safest boroughs, with more green space than almost any comparable borough, and a high street culture in both Richmond and Twickenham that feels like an actual town rather than a suburban strip. The trade-off is cost. This is one of the most expensive boroughs in London, and that status is priced into every transaction.
Richmond station sits in Zone 4 and carries three services at once: South Western Railway to Waterloo in as little as 18 minutes, the District line direct into the City, and the Overground toward Clapham Junction and beyond. Barnes reaches Waterloo via Clapham Junction in around 20 to 30 minutes and sits in Zone 3, which cuts annual travel costs meaningfully for daily commuters. Hampton is the outlier, on the Shepperton branch with a journey closer to 45 to 55 minutes, which is the trade-off for its lower entry prices.
School provision drives significant catchment demand across the borough. Grey Court in Ham posts a Progress 8 score of 0.85, placing it in the top 12% nationally, and address competition near its catchment is real and documented. Families also come for Richmond Park, approximately 2,360 acres of Royal Deer Park on the western edge of the borough, Kew Gardens, and a weekend life that involves open water, common land, and riverside paths rather than retail parks.
The borough average house price of £789,000 (ONS/HM Land Registry, May 2026, provisional) means a first-time buyer purchasing alone at 90% LTV needs a £63,000 deposit before costs, and most realistic first-time buyer stock sits closer to that £630,000 ONS average for FTB transactions. Connectivity in the outer parts of the borough, particularly around Hampton, lags noticeably behind the Richmond and Twickenham corridors. And if you are drawn to period character, the combination of short leases, listed status, and flood zone exposure means the conveyancing process rarely moves quickly.
Expensive across the board, and more varied in its lender complications than the headline prices suggest.
The dominant stock is Victorian and Edwardian, from terraced houses in East Sheen and Kew through to larger detached homes in Barnes and on Richmond Hill. The borough holds more than 800 listed buildings, concentrated in Richmond town centre, Barnes, and Kew, and listed properties sit outside mainstream lending criteria for most high-street lenders. Period flat conversions are prevalent throughout, and lease length is the first thing to check: extension costs rise sharply once a lease drops below 80 years, and many lenders will not proceed below 70 years remaining at the point of application. Riverside properties in Richmond, Ham, and Petersham carry genuine Flood Zone 2 and 3 exposure, which requires a site-specific flood risk assessment and specialist buildings insurance. For new builds, well over a thousand new-build flats are available across the borough’s active developments, with one-bedroom flats in the TW9 area listed from around £725,000; most lenders cap new-build flat lending at 75% to 80% LTV.
The borough average of £789,000 (ONS/HM Land Registry, May 2026, provisional) reflects a market where detached homes average £1,736,938 and even terraced stock averages above £900,000. Purchase schemes including First Homes, Shared Ownership, and the Own New rate reduction scheme are available across active new-build sites, and are worth exploring if you are stretching to get a foothold here.
Average private rents across the borough reached £2,310 per month in June 2026, growing at 4.0% annually, well above the London-wide average increase of 2.2% over the same period (ONS). The strongest gross yields sit in the TW9 postcodes at approximately 4.9%, driven by professional tenant demand near Richmond and Kew Gardens stations. Richmond upon Thames ranks second lowest for gross rental yield across all London boroughs at around 3.5% overall (Benham and Reeves, June 2026), which makes this a capital growth market rather than an income one for most landlords.
Getting mortgage advice in Richmond upon Thames that reflects the specific property type you are buying, not just the price, is what separates a smooth purchase from a stalled one.
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
Richmond upon Thames is one of the most expensive boroughs in London, with an average house price of £789,000 (HM Land Registry, May 2026) and a first-time buyer average of £630,000, figures that make lender selection and deposit strategy genuinely consequential from day one. The borough’s high concentration of Victorian and Edwardian converted flats means lease length is the single most common issue we see derail applications here: anything under 80 years needs to be checked at the earliest stage, because extension costs rise sharply below that threshold and most lenders won’t proceed below 70 years remaining.
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 Richmond upon Thames, it’s rarely just about finding a competitive rate. It’s about knowing which lenders will accept a period conversion with a short lease, a Grade II listed house in Kew, or a riverside property in a flood zone, and placing your mortgage with the right one from the start.
