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.
Wandsworth covers everything from Nine Elms luxury towers to Edwardian terraces in Earlsfield, and the property type you buy here shapes the mortgage you can get as much as the price does.
Earlsfield attracts families who want a proper house on a quiet residential street without stretching to Wandsworth Common prices. Victorian and Edwardian terraces dominate, leasehold complications are relatively rare, and the South Western Railway mainline keeps commute times short. The honest catch is that demand is consistently high, so supply is tight and prices reflect it.
Wandsworth Town draws buyers who want riverside access and good transport in one place, with Wandsworth Town station running to Waterloo in around 12 minutes. A mix of Victorian terraces and new-build development gives buyers options at different price points, though properties near the River Wandle sit within a flood risk zone and lenders increasingly require flood searches at application stage.
Tooting offers the most accessible entry point in the borough and has a deep rental market alongside consistent first-time buyer demand. The Northern line at Tooting Broadway puts Bank around 25 minutes away on a Zone 3 fare, which is a genuinely strong value proposition. Purpose-built blocks from the 1960s and 1970s are present here, and some may have non-standard construction that triggers specialist valuation requirements.
Leasehold flats in converted houses appear across almost every part of the borough, from Clapham Junction to Tooting to Earlsfield. Lease length is the issue to check first. Most mainstream lenders require at least 70 to 85 years remaining at application, and many require 50 to 55 years still on the lease at the end of the mortgage term. If the lease sits below 75 years, extension costs rise sharply and your choice of lender narrows significantly. Get the lease length confirmed before you make an offer.
New-build apartments in Nine Elms and the wider Battersea regeneration zone bring a specific set of lender requirements. Buildings over 18 metres with cladding need an EWS1 certificate before most lenders will proceed; buildings between 11 and 18 metres may also require one where there are risk factors such as combustible cladding or balconies. Developer incentive packages on new builds are common here, but most lenders cap acceptable incentives at around 5% of the purchase price. Gross rental yields in SW11 run at approximately 2.9%, which will not clear the rental stress tests most buy-to-let lenders apply, so larger deposits are typically needed to make the numbers work.
The ONS borough average sat at £660,000 in May 2026 (ONS/Land Registry, provisional), down 6.1% year on year. A two-bedroom flat in Tooting or Earlsfield typically falls between £450,000 and £550,000. A three-bedroom terraced house in Wandsworth Town or around Clapham Junction ranges from roughly £850,000 to £1,100,000. Streets near Wandsworth Common station averaged £1,471,997 on Rightmove over the past year.
The average first-time buyer price was £558,000 in May 2026 (ONS/Land Registry). With a 10% deposit of £55,800, you need a mortgage of £502,200. At a 4.5x income multiple, that requires a household income of around £112,000. Some lenders offer 5x income or higher for professionals and higher earners, which can bring the required income down to a more reachable level.
Getting mortgage advice in Wandsworth means getting to grips with a market where the property type can matter as much as the price, and where the right lender depends on which part of the borough you are buying in.
★★★★★ 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 transport planner and a bookbinder bought their first home together: a two-bedroom converted flat in a Victorian terraced house on a quiet side street off Tooting High Street, priced at £595,000. With a 10% deposit of £59,500, they needed a loan of £535,500. Their combined income was £116,000.
THE CHALLENGE
At standard 4.5x multiples, £116,000 supports a loan of around £522,000, leaving them roughly £13,500 short. The flat also sat in a converted Victorian house with a 79-year lease remaining, which ruled out several mainstream lenders entirely before the income question was even on the table. Finding a lender willing to stretch on income and accept the lease in the same product took careful searching.
WHAT WE DID
We identified a lender offering 5x income or higher for borrowers with stable professional employment, bringing the maximum loan well above the required £535,500, which is 4.62x their combined income. We confirmed the lender’s lease threshold in advance and verified they would accept 79 years remaining, avoiding a wasted application. The rate secured was 4.97% on a five-year fix.
THE OUTCOME
Formal mortgage offer arrived in 11 days. They completed with the lease issue resolved before exchange and paid no broker fee throughout.
THE SITUATION
An in-house illustrator at a children’s publisher owned a house on Garratt Lane in SW18, valued at £675,000 with £435,000 remaining on her mortgage. Her fixed rate was expiring and she wanted to raise £43,000 to rebuild the leaking rear addition and open up the kitchen-diner, timed so the disruption landed before her return-to-work date.
THE CHALLENGE
Her existing lender offered a product transfer at 5.34%, folding the capital raise into the same deal. It looked simple, but simple is not always cheapest. She had been on maternity leave the previous year, so her most recent P60 showed reduced income, which made some lenders cautious about the additional borrowing.
WHAT WE DID
We used her return-to-work confirmation letter and current payslips to demonstrate her full salary was restored, then compared the product transfer against the whole market. A different lender accepted the current income evidence and offered 5.15% on the full £478,000 loan. On a 25-year term, the product transfer would have cost £2,890 a month against £2,836 on the open-market deal.
THE OUTCOME
She switched lenders, secured the £43,000 for the works, and saved £54 a month. Mortgage offer confirmed within three weeks, with the builders booked inside her leave. No broker fee.
THE SITUATION
A cardiologist and her partner, a barristers’ clerk, had outgrown their two-bedroom Edwardian flat in Earlsfield. They found a four-bedroom Victorian terrace on one of the quieter streets near Wandsworth Common, priced at £1,020,000, and accepted an offer on their flat of £390,000. The move meant a total loan of £735,000 against their combined income of £152,000, a 4.84x multiple needing a lender comfortable at the top of professional lending policy.
THE CHALLENGE
Their existing mortgage had a balance of £330,000 fixed at 4.25%, with an early repayment charge of £6,800 still on the clock. The top-up needed was £405,000. Leaving the fixed rate would cost them that £6,800, so we modelled porting the existing deal and adding a second tranche at 5.00%, producing a blended rate of approximately 4.66%, against a clean remortgage at 4.84%. The sale was a probate one, with the executors requiring exchange within six weeks.
WHAT WE DID
We ran both scenarios side by side. Porting the £330,000 at 4.25% and taking the top-up £405,000 at 5.00% produced blended payments that beat a clean remortgage at 4.84% by around £76 a month on a 25-year term, and avoided the £6,800 ERC entirely. Porting won on both counts. We coordinated the port approval and the top-up application together, matched to a lender whose professional policy accommodated the 4.84x multiple, so completion aligned with the executors’ timetable.
THE OUTCOME
Mortgage offer confirmed in a fortnight. The family completed on the Wandsworth Common terrace on schedule, kept their low rate on the existing balance, and paid no broker fee.
THE SITUATION
A customs officer was purchasing a two-bedroom ex-local authority flat off Tooting High Street for £390,000, putting down a 25% deposit of £97,500 with a £292,500 loan required. The letting agent’s assessment put achievable rent at £1,850 a month, with tenant demand in SW17 among the deepest in the borough.
THE CHALLENGE
Mainstream buy-to-let lenders applying a 145% coverage test at a 5.5% notional rate needed rent of £1,944 a month, so at £1,850 the application failed before it started. The block’s ex-local authority status narrowed the field further, with several lenders capping loan-to-value below the 75% she needed, and this was her first investment property, which removed the track-record shortcut some lenders allow.
WHAT WE DID
We placed the case with a specialist buy-to-let lender whose five-year product applies 125% coverage at the pay rate: at 5.35%, that meant £1,630 of required rent against the £1,850 assessed, comfortable rather than marginal. The same lender took a pragmatic view of ex-local authority stock at this storey height, and we confirmed the block’s profile with them before submitting anything.
THE OUTCOME
The mortgage completed at 5.35% with a formal offer in four weeks, and the flat was tenanted within a fortnight of completion. No broker fee was charged at any stage.
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.
Wandsworth covers more ground, and more property types, than most inner-London boroughs. Getting the mortgage right here depends heavily on where in the borough you are buying and what you are buying into.
For most buyers, yes, though what you get varies dramatically depending on which corner of the borough you are in.
Wandsworth stretches from the Thames-side regeneration of Nine Elms in the north to the more affordable streets of Tooting in the south. In between sits a genuine range: tree-lined Edwardian family homes around Wandsworth Common, Victorian terraces in Earlsfield and Clapham Junction, and the modernist contrast of Roehampton bordering Richmond Park. It is inner London with more variety than most, and it consistently draws families. The borough charges the lowest council tax in England, at £1,028.21 for a Band D property in 2026/27, and 96% of its 82 inspected schools are rated Good or Outstanding.
The transport links are among Wandsworth’s strongest assets. Wandsworth Town connects to Waterloo in around 12 minutes on South Western Railway. Clapham Junction, the busiest station in Britain by number of trains, gives you direct services to Waterloo, Victoria and cross-London Overground routes, all in Fare Zone 2. Battersea Power Station and Nine Elms are now Zone 1 on the Northern line, with journey times to Bank or London Bridge of around 10 to 12 minutes. Tooting Broadway and Tooting Bec sit in Zone 3, with a roughly 25-minute run to Bank.
School catchments drive genuine price pressure in several parts of the borough. Graveney School in Tooting is one of London’s most oversubscribed comprehensives, and proximity to it shapes demand across the SW17 area. Wandsworth Common attracts families for its green space and the quality of local primary provision. Earlsfield and Tooting both offer weekend markets, good restaurants and accessible parks, and Richmond Park is minutes from Roehampton.
Prices reflect the demand. The ONS borough average stood at £660,000 in May 2026, and that is the middle of the market, not the top. Wandsworth Common premium streets regularly reach £1.5 million to £2.5 million for a four-bedroom house. The flat market has also softened, falling 6.9% in the year to May 2026 (ONS/Land Registry), which matters if you are buying a new-build apartment in Nine Elms expecting short-term capital growth.
Varied, and more sharply divided by postcode than almost anywhere else in inner south-west London.
Victorian and Edwardian terraces dominate Earlsfield, Clapham Junction and Tooting. Wandsworth Common is predominantly large family houses, many in conservation areas. Nine Elms and parts of SW18 are weighted toward post-2010 high-rise apartments, where EWS1 cladding certificates and developer incentive rules apply. Roehampton introduces further complexity: the Alton Estate’s Grade II* listed status requires specialist valuers and a more limited lender panel. Converted Edwardian flats across the borough can carry short-lease risk, and any property with fewer than 75 years on the lease needs checking before you apply. Properties near the River Wandle carry a material flood risk, and some lenders now require flood searches at application stage.
The borough average fell 6.1% in the year to May 2026 (ONS/Land Registry), with flats bearing the sharpest drop at 6.9% against 4.2% for terraced houses. New-build apartments in Nine Elms and along the riverside command a significant premium over the borough average, but mortgage offer validity, ground movement risk on former industrial land and developer incentive restrictions are all live considerations.
Average private rents across the borough reached £2,611 per month in June 2026, up 3.7% year on year (ONS Price Index of Private Rents). That is around 13% above the London-wide average of £2,302 per month. SW18 shows the strongest indicative gross yield at approximately 5%, while SW11 sits closer to 2.9%, which is below the stress test threshold most buy-to-let lenders apply without a very substantial deposit.
Understanding which part of Wandsworth you are buying in makes a real difference to which lenders will consider your application and on what terms.
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
Wandsworth is a borough where the mortgage can be as complicated as the property. A Victorian terrace in Earlsfield and a new-build tower in Nine Elms might be a mile apart, but they sit in completely different lending landscapes, one largely standard, the other potentially carrying EWS1 requirements, ground movement caveats and developer incentive restrictions that narrow your lender options fast. The borough average sold price is £660,000 (ONS Land Registry, May 2026), but that figure masks everything from a £370,000 one-bedroom flat in Tooting to a £1.5 million family house on the premium streets near Wandsworth Common station, and the mortgage challenges shift just as dramatically across that range.
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 Wandsworth, getting the lender right from the start matters more than almost anywhere else in London. A short lease on a converted flat in Clapham Junction, a listed block in Roehampton, flood risk near the Wandle, a yield that won’t clear a standard rental stress test in Battersea: each of these needs the right lender placed first time, because the wrong one wastes time you may not have.
