Expert Mortgage Brokers in London
From Marylebone apartments to Hampstead family houses, we provide bespoke financing solutions across the capital.
Why Choose ERG Finance in London?
Navigating the property market requires more than just a mortgage; it requires a partner who understands the local landscape.
From our office on Great Portland Street, we pair genuine prime-market experience with a human-led approach to lending that the high street simply cannot match.
- Prime & Large-Loan Expertise:
- London lending is its own discipline, large loans, leasehold nuance, new-build towers and internationally-sourced income. We arrange finance through private banks and specialists who price the capital properly.
- Complex Case Specialists:
- High-street banks often rely on rigid automated algorithms. We provide a human-led approach specifically designed for self-employed directors, portfolio landlords, and high-net-worth individuals across London.
- Wide Market Access:
- As whole-of-market brokers, we have relationships with over 170 lenders, including private banks and specialist lenders that do not deal directly with the public.
London Property Market Overview
London remains the UK’s deepest and most international property market, from prime central addresses to the village markets of Hampstead, Islington and Richmond. Pricing has softened from its peak, rewarding well-advised buyers, particularly where private-bank lending and speed give negotiating strength.
Local Market Trends
The capital is currently a buyer-friendly market by London standards, with values easing year-on-year while the best streets remain keenly contested. Complex-income and internationally-paid buyers make up a growing share of transactions.
Current Property Statistics (ONS / UK House Price Index, March 2026)
- Average House Price (London)
- £542,000
- Annual Price Change
- Down 2.1% year-on-year, a window for well-positioned buyers.
- Versus UK Average
- Roughly double the national average price (£268,132).
Residential Mortgages
From lateral apartments in Marylebone to family houses in Hampstead and Richmond, we arrange residential finance across the capital, including large loans, leasehold complexities and purchases that need to move at exchange speed.
Explore Residential Mortgages →
Solutions for Self-Employed & Company Directors
Partners, founders, bonus-led professionals and internationally-paid executives define London buying, and rigid algorithms serve none of them well.
We specialise in 'packaging' your business success for specialist underwriters, ensuring your entrepreneurial spirit is viewed as an asset, not a risk.
View Self-Employed Solutions →
Professional Buy-to-Let & Portfolio Strategy
London’s rental market is deep and professionalised, from prime lets to portfolio holdings across the villages and Docklands.
We help landlords structure portfolios efficiently, including Limited Company (SPV) purchases, refinancing to release equity, and finance for internationally-based investors.
Analyse Your BTL Portfolio →
Bridging & Property Development Finance
In London, the best opportunities are won on speed, at auction, between exchange and completion, or ahead of a refurbishment.
We provide fast, strategic bridging loans and development finance that allow you to act quickly at auction or secure a site before a competitor does. By leveraging our access to 170+ lenders, we can find flexible funding for "non-standard" projects that traditional banks typically avoid.
Secure Project Funding →
What our clients say
I’ve known Ryan for nearly a decade and trusted him with many complex high value structured deals. ERG have recently completed the funding for two large projects, Ryan’s industry knowledge and contacts have been invaluable in securing finance.Communication has always been exemplary and nothing has been too much trouble, Ryan has always gone over and above of what is expected. Post completion support is also key for building a long standing relationship, we’re already working on new deals and the advice I’ve received has set me up for many years of future growth.
Frequently Asked Questions
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Yes, large-loan and private-bank lending is central to what we do in London. Where income is complex, asset-backed or internationally sourced, we present cases to the institutions that underwrite them properly.
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Frequently. We arrange expat and international mortgages on London property, including for buyers paid in foreign currency or purchasing through structures, see our dedicated expat service for detail.
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We are at 167–169 Great Portland Street, W1W 5PF, between Marylebone and Fitzrovia. Meetings in person, by phone or by video all work; whatever suits you and your timetable.
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The London area
Local advice, wherever you are in London.
Areas we serve: Marylebone, Fitzrovia, Mayfair, Kensington, Chelsea, Notting Hill, Hampstead, Islington, Canary Wharf, and Richmond.
ERG Finance London Office +44(0) 1743 668 202 [email protected]
Area served
London
Whole-of-market mortgage advice, locally