Mortgage advice that's calm, clear and properly handled

Personal guidance from your first conversation through to completion.

Mortgage advice shaped by what's right for you

If you’re buying your first home, moving to a new one, or looking to remortgage, the right advice will make the whole process simpler.

As a broker, Eden David Mortgages works across a wide range of lenders and recommends what’s right for your situation.

Your personal mortgage advisor for every step of the journey, sharing practical support and honest explanations with no agenda beyond finding the right mortgage for you.

What people say

Hamida K.

I have always dreamed of owning a home in the UK and in London, this goes the same for my sisters and my own family. It is not easy to navigate the housing market, demand and knowing how to make this a reality. I would always say to people, that you can make your dreams come true if you keep on believing and knowledge is power. I never knew it could be possible to find joint mortgages where a good combined income can make a huge impact on finding really good mortgage deals and being able to learn about this process, but you need excellent specialist mortgage brokers like George to help you with establishing what you can borrow and what your mortgage in principle is, in order to make that dream of eventually owning your own home a reality. In this day and age, personal finance is not taught very well and it is easy to get yourself in the negative loop of navigating the system around knowing what you can borrow from lenders, as online mortgage calculators can be misleading and doesn't always capture the real picture of your finances and what your maximum borrowing amount could be for a mortgage. That's why it is so important to work with knowledgable and specialist mortgage brokers like George who understand the system, the market and who can let you know what are the options available to you. Working with George was a pleasure, he was able to work with us sisters in collating the right information for calculating our mortgage in principle, which helped us with viewing properties to see if we can afford our dream home. We were able to get the support from him in understanding the different mortgage rates and deals that are best suited for us. He also was very good at explaining the terms and conditions of our mortgage deal, so we easily understood what we were going to face and what we were signing up to. George was very good at explaining how the mortgage rates could be impacted by changes in the current economic climate and what that means to an individual who is looking for a mortgage. George has helped us to find and secure a lender for us, who has accepted to offer a mortgage for us 3 sisters, which so many years ago, never thought it was possible. When we got the good news about the mortgage offer from the lender and from George, we were over the moon. We knew we were so close to owning our own home. You see, if you want to get on the property ladder, always go to a specialist broker like George to find out what you can get based on your unique circumstances in terms of your personal finances. That way you can be sure of what your options are and can be guided to make your own best informed decisions, that can impact your life. George was also able to speak to our estate agent (the seller) and re-assure about the mortgage approval process until we got our mortgage approval offer. I would highly recommend George to anyone who needs to get the right financial advice and who wants to know how to get on the property ladder, who wants to know what their borrowing power is by knowing their mortgage in principle, as I know they will receive the excellent and best service like we did. As always, you need experts like George who can guide you in the ever complicated world of mortgages, who can simplify things and make it easier to understand where you are during your mortgage process. From beginning to end, you will receive guidance throughout until you have secured the best mortgage offer that is right for you. If it wasn't for George, then I don't think our dream of owning home would have been real. We are grateful for his support, knowledge and guidance throughout the mortgage process.

Mahmuda K.

George Gabrail has been amazing throughout our home buying process and we honestly couldn’t recommend him enough. From start to finish he’s been incredibly helpful, professional, and easy to work with. He was always available whenever we had questions, kept us updated throughout, and made what could have been a really stressful process feel much more manageable. George went above and beyond for us, helping with mortgage options, dealing with agents, recommending solicitors, and always making sure we were getting the best outcome possible. Nothing ever felt like too much trouble. What stood out most was how genuine and supportive he was throughout. It really felt like he cared about helping us, not just doing a job. We’re so grateful for everything he’s done for us and would highly recommend him to anyone buying a property or looking for mortgage advice.

Abida K.

Ever since my sisters and I started looking to buy a house, I'd always thought it would be safe to stick with a broker from a bigger known company. I couldn't have been any more wrong for that, and that's all credit to George Gabrail. I was introduced to George last year and he has been working with me since then non-stop, checking up on me when things were quiet during property searches, to immediately picking up the work when I found our first home. Throughout these past few months he has been nothing but lovely to work with, so easy going and very professional. He's always answered any questions we've had, and has always shown proactivity to helping us out even when we didn't know we needed it. He's helped us sort out issues with the selling agents, helped us reapply to get the best mortgage rates, has helped us find good solicitors and so much more. I can definitely say with hand on my heart that George has been a relief for us throughout the property buying process and I doubt you'll find anyone else as genuine and committed to helping you. I couldn't recommend anyone better if you're looking to buy a house, or even if you just want some advice, and I'm definitely referring him to anyone I know!!

HE-Technical

Hi Mehwish Ashraf here,One of the best experience in Eden Dvid Mortgages

Cornel B.

Professional / reliable / punctual and many more. Always ready to help you out.

Haralambos A.

George from Eden David Mortgages has always been superb! Have used him on multiple occasions now and he has always been helpful and explains everything really well through various stages, would definitely recommend!

Fabio P.

Great experience with my mortgage broker George—professional, responsive, and very helpful throughout the process. They explained everything clearly and secured a very competitive deal for me given the difficult times. Helpful in finding and proposing interesting products. All very positive! Very highly recommended!

Farzana M.

I found George as my mortgage advisor last year. He is such a good and hardworking person that no one has ever done for me before such a great job as him. He helped me to get three mortgages offered and always answered every question with patience I asked. I was able to purchase my property because of George. ⁠I am strongly recommending him.

Liardi J.

Very good and prompt services. I'm very satisfied and I recommend

Vasile Ilie A.

I’ve worked with George on multiple property purchases and I couldn’t recommend him enough. Always professional, reliable, and straight to the point. He made the whole process smooth every time and secured great mortgage deals for me. Top service!

Emel Z.

I cannot recommend George highly enough. As first time buyers, my boyfriend and I were initially overwhelmed. George has been incredibly professional and supportive. He has looked out for our best interest and manage to work quickly and efficiently to find us the best possible mortgage. George took time to explain everything that was easy for us to understand and did not hesitate to go over any questions however minor they were. He is patient and flexible and more than happy to take video calls to suit us. This made the experience very convenient. George also help us arrange life insurance. He is honest, friendly and approachable. We are grateful for his support and we wouldn't hesitate using his service again. I would absolutely recommend contacting George for his expertise and professionalism.

Shaun C.

George has been very helpful walking us through not only the mortgage and insurance, but giving us good general advise on the purchase, surveys, etc. Will be working with him again when we need help.

Ozlem K.

I had a great experience working with George when arranging my mortgage. He was extremely efficient and proactive throughout, keeping everything moving smoothly and making sure deadlines were met without any stress on my side. He also managed to secure me a very competitive deal that I wouldn’t have found on my own, which made a real difference financially. Communication was excellent from start to finish — I was kept updated at every stage, and any paperwork or requirements were handled quickly and professionally. It was clear he has strong relationships with lenders and really knows how to navigate the process effectively. Overall, the service felt organised, reliable, and tailored to my situation. I’d definitely use George again in the future and wouldn’t hesitate to recommend him to others looking for a dependable mortgage broker.

yaw B.

George from Eden David mortgages Excellent customer service. Good support and advice.

Mark Anthony R.

I had an excellent experience working with George from start to finish. His knowledge of the entire process was outstanding, and he took the time to clearly explain every step, making what could have been a stressful experience feel smooth and manageable. George were always available to answer questions, no matter how small, and provided thoughtful, well-informed guidance at every stage. I really appreciated his attention to detail and his ability to anticipate potential issues before they arose. What stood out most was his professionalism and genuine commitment to helping me secure the best possible outcome. I always felt confident that I was in safe hands. I would highly recommend using his services to anyone looking for a reliable, knowledgeable, and supportive mortgage broker.

From first call to mortgage offer

Getting a mortgage doesn’t have to feel like navigating in the dark. Here’s what the process looks like when you work with us.

Step 1: The initial call

Every mortgage conversation starts with a proper chat with no forms and no rush. This no-obligation call allows you to explain your situation and ask anything at all. It’s where we listen to what you’re trying to achieve, and where you get a clear sense of what working with Eden David looks like.

Step 2: Fact-finding and discovery

Once we know your goals, we gather the information needed to find the right mortgage for your circumstances. That includes things like proof of income, identification, and details about the property. We’ll tell you exactly what’s needed and why, so nothing comes as a surprise.

Step 3: Our recommendations

After reviewing your position and the options available from a panel of over 50 lenders, we’ll recommend the mortgage that makes the most sense for you. Because we aren’t tied to any one lender, that recommendation is based entirely on fit, including the rate, term, costs, and how well it works for you. Everything gets explained honestly and in plain terms so you can make a decision that feels right.

Step 4: Application to completion

Once you’re ready to proceed, we handle the application and stay involved right the way through to completion and you receiving the keys. Lenders can ask questions and timelines shift, so having an experienced advisor managing it on your behalf makes a real difference.

Mortgage advice for every situation

Good mortgage advice looks different depending on where you are in the process. Here’s a bit more about each of the main areas we work in.

First-time buyer mortgages

Buying a home for the first time involves a lot of moving parts. The terminology can feel unfamiliar, the stakes feel high, and the timelines don’t always behave.

Every step gets covered with us, including how much you can borrow, what deposit you’ll need, which mortgage makes sense for your circumstances, and what to expect through the application.

Everything at a pace that works for you. No question is too basic, and no detail gets glossed over. The whole process should feel manageable, and that’s exactly what good advice makes it.

Mortgage advice for home movers

Moving home while managing the sale of your existing property is one of the more complex things you’ll do. Getting the mortgage right and getting it moving at the right time matters.

There are many options for those in this stage, such as porting an existing mortgage, taking a new deal and bridging a gap between sale and purchase. The right option depends on the specifics. Clear, reliable advice throughout takes a significant amount of pressure off the process.

Remortgage advice and reviewing options

When your current deal is coming to an end, it’s worth reviewing the market to be sure you’re getting the right options available.

The right moment to switch lenders, adjust your term, or release equity varies. Having an advisor who keeps an eye on timing can make a meaningful difference to what you end up paying.

We’ll talk you through the straightforward process and ensure you receive the right deal at the right time.

Complex and specialist cases

Specialist mortgage situations require a specialist approach. For self-employed income, foreign currency earnings, complex credit histories, portfolio landlords, and high-value purchases, Eden David has experience working with clients across a wide range of circumstances.

Complete peace of mind

Good advice isn’t just about getting the loan; it’s about keeping the home. We provide a full protection review with every mortgage application to ensure your family and your lifestyle are shielded against illness or loss of income.

Most buy to let mortgages are not regulated by The Financial Conduct Authority.

Mortgage advice that feels personal, because it is

You’ll work with one dedicated advisor from your first call through to completion. One person who knows your case, your circumstances, and your goals. There are no handoffs, call centres or starting from scratch every time you get in touch. We work together to make the whole process feel straightforward, and we’re there at every step.

Mortgage advice isn’t just about finding a product, it’s talking to someone who understands your situation well enough to guide you through it properly and who’s there when things move.

Feel ready to discuss your mortgage?

There’s no obligation during our initial conversation. It’s a chance to explain your situation, ask questions, and get a clear picture of what’s possible — at no cost and no pressure.

Mortgage questions, answered

Here are some of the mortgage-related questions that come up most often. If yours isn’t here, just ask.

What documents do I need for a mortgage application?

The specifics vary by lender and how your income is structured, but the standard requirements for most applications include proof of identity, recent payslips or accounts if you’re self-employed (typically three months of payslips or two to three years of accounts), recent bank statements, and proof of deposit.

If you’re self-employed, have income from multiple sources, or earn in a foreign currency, the documentation needed is a little more involved. Part of the process at Eden David is working through exactly what’s required for your specific situation, so the application goes in as smoothly as possible.

Will a missed payment years ago stop me from getting a mortgage?

Not necessarily. Lenders look at credit history, but how they interpret it varies. A single missed payment from several years ago is viewed very differently to a pattern of recent arrears or a county court judgement. What matters most is the full picture such as the type of issue, how long ago it happened, how it has since been resolved, and what your financial situation looks like now. With access to a wide range of lenders, including those who specialise in more complex credit histories, there are often routes forward that aren’t obvious when you look at mainstream options alone.

How much deposit do I actually need?

It depends on the lender and the type of mortgage, but 5% of the property value is generally the minimum for a residential purchase. The more you can put down, the more options open up and, typically, the lower your interest rate will be.

It’s worth having a conversation early, even before you know exactly what you’re looking for. Understanding what’s achievable at your current deposit level can help you plan the next steps with much more confidence.

Can I get a mortgage if I’m self-employed?

Yes. Being self-employed doesn’t stop you getting a mortgage, but lenders assess income slightly differently compared with employed applicants.

Most lenders will look at two to three years of accounts or tax returns to understand how your business performs. Some lenders will also consider one year of accounts depending on the circumstances.

Because self-employed income can vary, choosing the right lender becomes especially important. Part of our role is identifying lenders whose criteria work best with your income structure, so your application has the strongest possible chance of being approved.

Can I still get a mortgage if my income comes from multiple sources?

Many people today earn income from more than one place, such as salary, bonuses, dividends, or self-employment alongside employed work.

Different lenders assess these income types in different ways. Some will accept multiple income streams together, while others may only consider certain types.

Part of our job is understanding how your income is structured and identifying lenders whose criteria work best for your situation.