Clear mortgage advice for every stage of your journey
If you’re buying your first home, moving, remortgaging or investing in property, good advice brings clarity to the decisions ahead.
At Eden David Mortgages, based in London and working with clients across the UK, the focus is on straightforward guidance, practical support and handling the process properly from beginning to end. Advice is shaped around your circumstances, with clear explanations and support throughout every stage.
Mortgage Services
Mortgage advice for home movers
Moving home often means balancing a sale, purchase and mortgage arrangements all at the same time. It can be a lot to deal with alone.
If you’re porting an existing mortgage, increasing borrowing or reviewing new lender options, the right advice helps keep things moving clearly, efficiently and in a cost-effective way. We’ll guide you through the process from initial planning through to completion.
Advice about remortgaging
When your current mortgage deal is coming to an end, it’s worth reviewing the wider market rather than simply accepting the first option available.
We’ll assess your current position, explain the options clearly and help you decide if it makes sense to switch lender, secure a new deal with your existing lender or restructure your borrowing.
Carefully timed advice can make a meaningful difference over the long term.
Buy-to-let mortgage advice
If you’re purchasing your first investment property or expanding an existing portfolio, buy to let mortgages require careful planning and the right structure.
We support landlords across a wide range of circumstances across the UK, including individual and limited company buy-to-let arrangements, helping you understand how different lenders assess investment applications and what options are available.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Get help with complex and specialist mortgage cases
Some mortgage applications require a more tailored approach.
This can include self-employed income, multiple income sources, foreign currency earnings, complex credit history, joint borrower arrangements or non-standard property types.
With access to a wide range of lenders, including those with more flexible criteria, we help clients navigate situations that may not fit a straightforward application.
- Your property may be repossessed if you do not keep up repayments on your mortgage.
Protection and insurance to plan for the future
A mortgage is one of the biggest financial commitments most people will ever make. Protecting it properly matters just as much as securing the right mortgage itself.
We provide clear and straightforward advice on life insurance, critical illness cover and income protection, helping ensure you and your family are financially supported if circumstances change in the future.
Advice that feels personal,
because it is
You’ll deal with George, a dedicated advisor throughout the process, and someone who understands your situation, keeps things moving and is there when questions arise.
Mortgage advice should feel clear, considered and properly handled from beginning to end. We’re here to make sure it is.
Feel ready to discuss your mortgage?
If you already know what you’re looking for or simply want clarity on your options, you’re welcome to get in touch for an initial conversation with no obligation.
- Your home may be repossessed if you do not keep up repayments on your mortgage.
Most buy to let mortgages are not regulated by the Financial Conduct Authority.
Frequently asked questions about mortgage advice
Read through the answers to commonly asked mortgage questions below or ask us a different question altogether if you can’t find the answers here.
Will I pay a broker fee?
This depends on the complexity of your circumstances and the type of mortgage application. Many clients will not pay a broker fee, as we are paid by the lender upon completion.
Where a fee is charged, this will be clearly explained upfront before any work is undertaken. Our maximum fee is £795.
How much can I borrow for a mortgage?
Lenders typically offer between four and four-and-a-half times your annual income, though this varies depending on your outgoings, deposit size, credit history and the lender’s own criteria. The best way to get an accurate figure is to talk through your situation directly. The numbers look different for everyone.
Can I get a mortgage if I'm self-employed?
Yes. Self-employed applications are handled regularly, including those with variable income, multiple income streams or complex company structures. Lenders assess self-employed income differently to employed income, which is why the right advice makes a real difference to which options are open to you.
When should I start thinking about remortgaging?
It’s worth starting the process around six months before your current deal ends. Leaving it too late risks being moved onto your lender’s standard variable rate, which is typically significantly higher than a fixed deal. Starting early means there’s time to compare the market properly and lock in a rate with confidence.
What's the difference between a 2-year and 5-year fixed rate?
A 2-year fix gives more flexibility to review your options sooner, while a 5-year fix provides payment certainty for longer. The right choice depends on your plans, your attitude to rate changes and what’s available in the market at the time. It’s something worth talking through rather than deciding on the headline rate alone.
How do buy-to-let mortgages work?
Buy-to-let mortgages are assessed differently to residential ones. Lenders look closely at the expected rental income relative to the mortgage payment, as well as your overall financial position. Individual and limited company applications are assessed under different criteria, and having the right structure from the outset makes a difference.
Most buy to let mortgages are not regulated by the Financial Conduct Authority.
What if my situation is complicated?
Complex cases, such as self-employment, non-standard income, adverse credit or an unusual property type, are a regular part of the work here. With access to a wide panel of lenders, including specialist ones, there are often more options available than a standard high street application would suggest.