LDN Finance

LDN Finance, a London mortgage brokerage specialising in property finance

LDN Finance is a London-based mortgage advisory firm that presents itself as a property finance partner for private clients. Its activity covers intermediation in high-value mortgage loans, residential mortgages, specialist finance and protection solutions, with a stated focus on personalised relationships and complex cases.

High-value mortgages and private clients

The company has a dedicated department, LDN Private Clients, focused on high-net-worth property finance. According to its presentation, it specialises in deals over £1 million for private clients around the world. Among the products it lists are million-pound mortgages, high loan to value mortgages, interest-only mortgages, private bank mortgages, barrister mortgages and investment banker mortgages, and loans without assets under management. It also mentions access to dry lending over assets under management, luxury asset-based lending and the use of securities as collateral.

Residential mortgages

In the residential segment, LDN Finance states that it serves both first-time buyers and homeowners looking to upsize or refinance their property portfolio. Its range includes new build and self build mortgages, buy to let, tracker, remortgaging, holiday let, self-employed, contractor, foreign national, expat, first-time buyer, specialist residential and offset mortgages. The firm also offers mortgage calculators on its website.

Specialist finance

The specialist finance area targets projects requiring development, commercial and bridging solutions. The company lists bridging finance products, including fast bridging, pre-planning, below market value, adverse credit, auction, bridge to let and bridge to sell, as well as overseas bridging. In commercial finance it mentions commercial mortgages, student accommodation finance, HMO mortgages, semi-commercial mortgages, buy-to-let portfolio finance, hotel commercial finance, office commercial finance, industrial units finance, care and nursing home finance, guest house finance, petrol stations finance, pub mortgages, and shop and restaurant mortgages. In development finance it includes airspace development, development exit finance, senior debt, mezzanine, refurbishment finance, stretched debt, first-time developer finance, no personal guarantee, student accommodation development finance, joint venture, hotel development finance and overseas development finance.

Protection and later-life solutions

LDN Finance also offers bespoke protection solutions. Personal cover includes life cover, critical illness cover, income protection, family income benefit, non-investment whole of life cover, redundancy cover and private medical insurance. On the business side, the firm mentions shareholder/partnership protection, key person insurance, relevant life cover, business loan protection and executive income protection. It also includes inheritance tax planning with life insurance, employee benefits such as group private medical insurance, group income protection and group life insurance, as well as general insurance and trusts.

Later life lending

The company describes later-life finance solutions, with options such as equity release plans, reverse mortgages and pension-backed loans. Specifically, it cites equity release, retirement interest only (RIO) mortgage and residential mortgages for older borrowers.

Approach and expertise

LDN Finance describes itself as an award-winning team of property finance professionals in the UK, with an established reputation in London and beyond. The firm states that it works on complex scenarios and negotiates with a network of mainstream, private and specialist lenders. Its proposition is built around three stated pillars: service, expertise and relationships. The company maintains that it supports clients beyond the first transaction and treats each case with dedication, whether it involves a high-net-worth individual, a foreign national investing from abroad, a first-time buyer or an experienced developer.

Cases and clientele

Among the cases it publishes are a combined mortgage transaction for a first-time buyer in east London, a £2.5 million interest-only mortgage for a young private equity professional, an 80% loan to value purchase for a high-net-worth Hong Kong national on a £7.3 million property in central London, and 65% GDV finance for a first-time developer on a nine-unit project. Client testimonials mention team members such as Catherine, Darren, Phil Levesley, Antony Cotchos and Owen, and highlight communication, clarity in explaining options and support throughout the process.

Location and contact

Phone: 020 3903 9875 · Email: enquiries@ldnfinance.co.uk