Mortgage Broker & Mortgage Adviser in Putney

Giles Finance advises clients across south-west London from 107 Putney High Street. We are an FCA-authorised, whole-of-market broker (firm reference 726857) arranging residential, high-value and buy-to-let lending for borrowers in Putney, Wandsworth, Barnes, Roehampton, Southfields and Fulham.

What we arrange from the Putney office

South-west London brings a different set of lending problems from our Essex and West Midlands offices. Values are higher, incomes are frequently complex, and a large share of the housing stock is period conversion or flats held on leases — all of which narrow the lender field considerably.

• High-value and high net worth mortgages, including large loans and bespoke underwriting
• Limited company and SPV buy-to-let for landlords holding through a corporate structure
• Expat buy-to-let mortgages for clients living or working overseas
• Buy-to-let mortgages and portfolio landlord refinancing
• Remortgages and product transfers at the end of a fixed term
• Bridging finance for chain breaks and short-lease purchases

The local lending picture

Two issues recur here. The first is income complexity. Where a borrower’s income includes bonus, commission, carried interest, dividends, or earnings in a foreign currency, high-street affordability calculators frequently understate what is genuinely affordable. Private banks and specialist lenders assess these cases individually, but access is generally through a broker rather than direct.

The second is leasehold. A short lease will restrict the lender field sharply, and some will decline outright below a threshold. Where a purchase involves a short lease, the sequencing of the lease extension against the mortgage offer matters, and bridging is sometimes the practical route to completing before an extension is granted.

Mortgage adviser in Putney: how the advice works

Every Putney client is advised by a qualified mortgage adviser, not a call centre. The process is the same whether you are buying a flat in SW15, remortgaging a family house in Southfields or refinancing a portfolio held in a limited company.

1. Initial conversation (no charge, no credit search). We take your income, deposit, property and timescale and tell you plainly which lenders are realistic.
2. Research and recommendation. We compare lenders across the market, including private banks and specialist lenders that do not deal direct, and explain in writing why the recommended mortgage suits you.
3. Agreement in principle and application. We package the case, answer underwriter questions and manage the valuation.
4. Offer to completion. We stay in contact with your solicitor and estate agent until funds are released.

Remortgages in Putney

Most Putney homeowners come to us four to six months before a fixed rate ends. That window matters: a new rate can usually be secured up to six months ahead, so you are protected if rates rise and can still switch if a better deal appears before completion. We compare a product transfer with your existing lender against a full remortgage to a new lender, and tell you which is cheaper once fees, legal costs and early repayment charges are counted. A remortgage is also the usual route to raising capital for an extension, a lease extension or a deposit for a buy-to-let purchase. See our first-time buyer and remortgage service for the full detail.

Buy-to-let mortgages in Putney

Putney is a strong lettings market, but high purchase prices mean rental cover is the usual sticking point. Lenders test the rent against a stressed mortgage payment, typically requiring rent of 125% to 145% of that payment depending on whether you buy personally or through a limited company and on your tax band. We match the case to the lender whose test fits your figures, and advise on buy-to-let mortgages, limited company and SPV purchases, expat buy-to-let and portfolio refinancing. Landlords should also read our guide to the Renters’ Rights Act.

Financial services in Putney for business owners

The Putney office also arranges business and property finance for owner-managed companies in south-west London.

Putney mortgage broker FAQs

Do I need to visit the Putney office?

No. Many clients meet us at 107 Putney High Street, but advice can be given entirely by phone or video call, with documents uploaded securely.

Can you help if my income is self-employed, bonus-based or paid overseas?

Yes. This is the most common reason Putney clients use a broker. We place complex-income cases with lenders and private banks that assess them individually rather than by a standard calculator.

Can I get a mortgage on a Putney flat with a short lease?

Often yes, but the lender field narrows as the lease shortens. We plan the order of the lease extension and the mortgage offer, and use bridging where that is the practical route to completion.

How quickly can a remortgage complete?

A straightforward remortgage commonly completes in four to eight weeks from application. A product transfer with your existing lender can be arranged faster.

Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home. Buy-to-let mortgages for business purposes are not regulated by the Financial Conduct Authority. Commercial and business finance is not regulated by the FCA in most cases.

Last reviewed: 4 October 2026 by Dennis Galley, Operations Director & Compliance Officer, Giles Finance & Consultancy Services, authorised and regulated by the Financial Conduct Authority (FRN 726857).

Areas covered from Putney

Putney, Wandsworth, Southfields, Roehampton, Barnes, East Sheen, Fulham, Wimbledon and the surrounding SW postcodes. We act for clients across England and Wales, with offices in Dagenham, Rainham and Willenhall.

Contact the Putney office

Giles Finance
107 Putney High Street
Putney
London
SW15 1SS

Telephone: 020 8088 2211

Appointments are advisable. Send an enquiry and we will arrange a convenient time.

Giles Finance is authorised by the Financial Conduct Authority (No. 726857) to transact regulated mortgages. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Not all buy-to-let and commercial lending is regulated by the Financial Conduct Authority.