City Mortgage Solutions Limited
London
Mortgage advice covering self-employed, commercial, first-time buyers and 1 more. City Mortgage Solutions Limited charges a broker fee.
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About City Mortgage Solutions Limited
City Mortgage Solutions Limited is a UK mortgage broker based in London. Its website describes mortgage advice for residential mortgages, first-time buyers, self-employed borrowers, commercial finance. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
City Mortgage Solutions Limited records 4 areas of advice from its base in London: self-employed, commercial, first-time buyers and residential.
Self-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideCommercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
First-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Paired with self-employed lending, it should cover employed and variable-income applicants equally.
Read the residential guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask City Mortgage Solutions Limited
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 4What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 5What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 6Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 7Do you see clients at your London office, or is this handled by phone and video?
Getting in touch with City Mortgage Solutions Limited
City Mortgage Solutions Limited lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
Does City Mortgage Solutions Limited charge a fee for mortgage advice?
Yes. City Mortgage Solutions Limited is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does City Mortgage Solutions Limited handle?
City Mortgage Solutions Limited records self-employed, commercial, first-time buyers and residential, working from London. Ask anyway if your case sits outside that list.
Does City Mortgage Solutions Limited work with self-employed borrowers?
Yes — self-employed lending is one of the areas City Mortgage Solutions Limited lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does City Mortgage Solutions Limited only cover London?
City Mortgage Solutions Limited is listed in London, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in London on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.