Independent, Fee Free Mortgage Advice in Hammersmith and Fulham from Our Experienced Mortgage Brokers and Advisors

Welcome to Chesterton Grant Mortgages, your trusted provider of fee-free mortgage advice in Hammersmith and Fulham, London. We are committed to helping individuals, families, and landlords navigate the complexities of the mortgage market with ease. Our expert team offers bespoke advice tailored to the vibrant and diverse property market of Hammersmith and Fulham.

Local Property Market Insights


Property Trends in Hammersmith and Fulham

Hammersmith and Fulham is one of London’s most desirable boroughs, offering a mix of urban convenience and residential charm. Below are key insights into the local property market:

  • Average Property Prices: The average property price in Hammersmith and Fulham is approximately £900,000, with prices varying based on property type and location within the borough.
  • Market Trends: The area has seen a steady increase in demand, particularly for family homes and high-end flats, due to its excellent transport links, schools, and amenities.


Property Type Typical Price Range (£)
Flats 500,000 - 1,200,000
Terraced Houses 1,200,000 - 2,500,000
Semi-Detached Homes 1,500,000 - 3,000,000
Detached Homes 2,500,000 and above

The borough is characterised by a mix of Victorian terraced houses, modern apartments, and luxury riverside developments, catering to a variety of buyers and investors.

Hammersmith and Fulham's property prices are high due to its desirable location with excellent transport links to central London, its vibrant cultural scene, and the presence of prestigious schools and green spaces.

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Average house price in Hammersmith and Fulham was £712,000 in November 2024

The provisional average house price in Hammersmith and Fulham in November 2024 was £712,000. This was lower than the average of £840,000 in November 2023 (revised), a 15.3% fall.

Annual change in house prices in Hammersmith and Fulham

In November 2024, Hammersmith and Fulham had the fifth highest average house price in London.

In the year to November 2024, the average price for flats in Hammersmith and Fulham fell by 14.6%, while the average price for detached properties decreased by 19.2%.

Change in house price by type of property in Hammersmith and Fulham

Mortgage Options and Advice for Hammersmith and Fulham


We understand that finding the right mortgage can be challenging, particularly in a competitive market like Hammersmith and Fulham. Here are some options and considerations tailored to the area:


Types of Mortgages


  • Fixed-Rate Mortgages: Ideal for those seeking stability, offering predictable monthly repayments.
  • Tracker Mortgages: Suitable for buyers who can tolerate some variability, as these track the Bank of England base rate.
  • Buy-to-Let Mortgages: Designed for landlords investing in rental properties.
  • High-Value Mortgages: Tailored solutions for properties exceeding £1 million.


Key Considerations


  • Affordability: Properties in Hammersmith and Fulham often require higher deposits due to their value. A typical deposit ranges from 10% to 25% of the property price.
  • Loan-to-Value (LTV): High-value properties may necessitate bespoke LTV arrangements.
  • Local Knowledge: Understanding the unique characteristics of the borough’s neighbourhoods can help in selecting the best mortgage option.


Best areas to buy property in Hammersmith and Fulham:


  1. Fulham Reach
  2. Queen's Wharf
  3. Hammersmith Central
  4. Sovereign Court
  5. Brackenbury Square


Additionally, Fulham itself offers several desirable areas:



  1. Parsons Green
  2. Chelsea Harbour
  3. West Brompton
  4. Bishops Park
  5. Fulham Broadway

These areas provide a mix of modern developments, riverside views, and access to amenities like shopping centres and transport links.


Why Choose Fee-Free Mortgage Advice?


At Chesterton Grant, we pride ourselves on offering fee-free mortgage advice. Unlike other brokers who charge additional fees, we ensure you get expert guidance without any extra cost. Our transparent and customer-focused approach sets us apart, allowing you to focus on securing your dream property.


Other Services Offered by Chesterton Grant

In addition to mortgage advice, we offer:

  • Remortgaging Advice: Helping you switch to better deals or release equity from your property.
  • Insurance Advice: Covering life insurance, income protection, and home insurance.
  • Buy-to-Let Expertise: Supporting landlords with tailored mortgage solutions and market insights.


General Mortgage Information Hub


Tips for First-Time Buyers

  • Save for a higher deposit to improve your mortgage options.
  • Explore government schemes such as Help to Buy or Shared Ownership.
  • Ensure your credit score is in good shape before applying.


Advice for Home Movers

  • Consider the costs of selling and buying simultaneously.
  • Get a valuation of your current property to understand your budget.


Guidance for Landlords

  • Research rental yields in Hammersmith and Fulham to maximise returns.
  • Understand the legal requirements for letting a property, including licensing and safety regulations.
  • For additional reading, visit Gov.uk


‘As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments’


‘Some types of buy to let mortgages are not regulated by the Financial Conduct Authority’


FAQs About Mortgages in Hammersmith and Fulham

  • What is the average deposit required for a property in Hammersmith and Fulham?

    Deposits typically range from 10% to 25% of the property price, depending on the lender, property value, and buyer’s financial circumstances. Higher deposits often allow buyers access to better mortgage rates, especially in high-value markets like Hammersmith and Fulham.

  • Can I get a mortgage for a high-value property in Hammersmith and Fulham?

    Yes, Chesterton Grant specialises in high-value mortgages for properties exceeding £1 million. These mortgages often require larger deposits and bespoke terms. Our expert advisors work closely with lenders to secure competitive rates tailored to your needs.

  • What are the best mortgages for first-time buyers in Hammersmith and Fulham?

    First-time buyers typically benefit from fixed-rate mortgages, which provide stability and predictable monthly payments. Additionally, government-backed schemes such as Help to Buy or Shared Ownership can make purchasing more accessible. Our advisors can guide you through these options to find the best fit for your circumstances.

  • How long does it take to secure a mortgage in Hammersmith and Fulham?

    On average, securing a mortgage can take 4 to 8 weeks. The timeline depends on factors such as the lender’s processing times, the complexity of the application, and the property’s legal status. At Chesterton Grant, we expedite the process by managing communication with lenders and ensuring all documentation is submitted promptly.

  • What are the benefits of buying a property in Hammersmith and Fulham?

    Hammersmith and Fulham offers a unique blend of urban living and residential tranquillity. Benefits include excellent transport links (such as the District, Piccadilly, and Hammersmith & City lines), outstanding schools, vibrant cultural amenities, and a variety of property types ranging from Victorian terraces to modern riverside developments. These factors make it an attractive area for families, professionals, and investors.

  • What are the benefits of using a fee-free mortgage broker in Hammersmith and Fulham?

    Using a fee-free mortgage broker like Chesterton Grant ensures you receive professional advice without incurring additional costs. Our advisors compare deals from a wide range of lenders, saving you time and money. We also provide tailored support throughout the application process, making it stress-free and transparent.

  • Does Chesterton Grant charge for mortgage advice?

    No, we offer fee-free mortgage advice, ensuring you receive expert guidance without any hidden costs. Our service is funded by commissions from lenders, allowing us to prioritise your needs while providing comprehensive support.



Why Choose Chesterton Grant?

Local Expertise: Our advisors have in-depth knowledge of the Hammersmith and Fulham property market.

Transparent Service: Fee-free mortgage advice with no hidden charges.

Customer Focus: Tailored mortgage solutions to suit your individual needs. No, we offer fee-free mortgage advice, ensuring you receive expert guidance without any hidden costs. Our service is funded by commissions from lenders, allowing us to prioritise your needs while providing comprehensive support.

Navigating a complex financial landscape

In the face of currently escalating living costs and interest rates, Chesterton Grant Mortgage can help you navigate the complex financial landscape. Our mortgage team can both research and identify tailored solutions to help alleviate your stress without compromise. With careful analysis and a holistic approach, our advisors help facilitate a smoother path towards obtaining a mortgage.

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 Always contactable and flexible but also solve any problems encountered along the way.

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