Mortgages in Kensington and Chelsea

Premier High-Value Mortgage Advice in the Royal Borough of Kensington and Chelsea

Mortgage Shop is a specialist independent London based financial adviser firm, providing tailored, whole-of-market finance solutions across the entirety of the Royal Borough of Kensington and Chelsea (RBKC). We are experts in securing the best mortgages, high-value remortgages, substantial second mortgages, and flexible further advances for the world’s most exclusive property market.

Specialist Finance for RBKC Property Types

The RBKC housing market, renowned for its luxury and complexity, demands nuanced lending strategies, particularly for high-value transactions. Our independent financial advisers have in-depth knowledge of the unique properties across all major areas:

Kensington (W8, W14): This area features grand, wide terraced houses (often converted into spacious lateral apartments), classic mansion block flats (e.g., Allen House), and substantial detached homes overlooking Kensington Palace Gardens. We specialise in High-Value Mortgages and complex lending for properties with unusual titles or high leasehold service charges.

Chelsea & Belgravia (SW3, SW1): Defined by timeless elegance, Chelsea and Belgravia are dominated by classic Georgian and Victorian terraced houses, luxury mews houses (e.g., Ennismore Gardens Mews), and exquisite period conversion apartments. Our expertise includes UHNW mortgages for properties requiring bespoke underwriting and capital raising via a further advance for luxury interior finishes.

Knightsbridge & South Kensington (SW7): Home to iconic residences and world-class amenities, this market consists of exclusive, portered mansion block apartments, lavish penthouses, and secure gated development flats. We manage complex remortgaging for international clients and advise landlords on Buy-to-Let mortgages for premium rental assets.

Notting Hill & Holland Park (W11, W14): Sought-after for its vibrant atmosphere and attractive architecture, this area offers elegant Grade II Listed period buildings divided into beautifully presented apartments (many with Share of Freehold) and stunning townhouses with garden squares access. We provide specialist advice on mortgages for properties with non-standard construction details common in historic buildings.

Earl’s Court (SW5): Known for its handsome Victorian terraced houses and concentration of large period conversion flats and studios, Earl’s Court remains a popular area for investment. We offer strategic solutions for second mortgages and remortgages aimed at releasing equity for further investment.

Independent Expertise in Central London Lending

Choosing Mortgage Shop as your independent London financial adviser means you bypass high street limitations. We leverage our whole-of-market access to negotiate the best mortgages for your RBKC property. Whether you need a competitive remortgage for your Kensington apartment or specialist finance for a Belgravia townhouse, trust our experts to deliver clear, professional, and results-driven advice.