Independent, Fee Free Mortgage Advice in Islington, from Our Expert Mortgage Brokers and Advisors

Yes, using a mortgage broker in Islington is absolutely worth it. Islington is one of London’s most desirable and competitive property markets, with average house prices significantly above the national average. This means that even a slight difference in mortgage interest rates can save or cost you thousands of pounds over the life of your mortgage.

A mortgage broker provides several key benefits. First, they can access a wide range of mortgage deals, including those not available directly to the public. This means you have a better chance of finding a competitive rate. In a market like Islington, where high demand drives up prices, having access to exclusive deals can make a big difference.

Second, a broker handles all the complex paperwork, saving you time and reducing stress. They will guide you through the entire process — from assessing your affordability to submitting your application and liaising with lenders on your behalf.

Finally, we offer completely fee free mortgage advice. This means you receive all these benefits without paying a broker fee. Our service is funded by lenders, not you, ensuring that you get expert guidance at no cost. Whether you're a first-time buyer, remortgaging, or investing in a buy-to-let property in Islington, our fee free service ensures you get the best deal without any hassle.

Yes, it is possible to get a mortgage in Islington with bad credit, but it can be more challenging. Traditional high street lenders tend to be strict about credit history, and they may decline applications from individuals with missed payments, CCJs (County Court Judgements), defaults, or a low credit score.

However, many specialist lenders understand that life is not always straightforward. They are willing to consider applicants with bad credit, especially if the issues were in the past and you have since improved your financial situation. These lenders assess each case individually, looking at factors such as:

How recent the credit issues are

The severity of the issues (e.g., missed payments vs. bankruptcy)

Your current income and affordability

The size of your deposit

A larger deposit (typically 15%-25%) can significantly improve your chances of approval with bad credit. If you can demonstrate a stable income, responsible financial management, and a solid repayment plan, your application is likely to be viewed more favourably.

Our fee free mortgage service specialises in helping clients with complex credit histories. We have access to specialist lenders who are more flexible and will consider your situation. We present your case in the best possible light, increasing your chances of approval without any broker fees.

As of 2025, the average house price in Islington is approximately £657,000, according to the latest data from the Office for National Statistics (ONS). However, this figure can vary significantly depending on the type of property and its location within the borough.

For first-time buyers in Islington, the average price is slightly lower, at around £583,000. Flats and apartments tend to be more affordable, especially in areas like Holloway and Finsbury Park. On the other hand, larger family homes in prime areas such as Angel, Highbury, and Clerkenwell can cost well over £1 million.

The Islington property market is influenced by several factors:

Proximity to central London

Excellent transport links (Underground, Overground, and buses)

A vibrant social scene with restaurants, shops, and cultural attractions

High demand from professionals, both renters and buyers

Over the past year, house prices in Islington have seen moderate growth, with demand remaining strong despite economic challenges. Our team can help you navigate this competitive market, understand your affordability, and secure the best mortgage deal for your budget — all at zero broker cost.

Islington offers a diverse range of neighbourhoods, each with its own character, making it one of the most desirable boroughs in London. The “best” place to live depends on your lifestyle, budget, and preferences.

Angel: Known for its vibrant social scene, with independent shops, bars, and restaurants along Upper Street. Excellent transport links make it popular with professionals.

Highbury: A leafy, residential area with beautiful period homes, top-rated schools, and Highbury Fields — perfect for families.

Clerkenwell: A trendy neighbourhood close to the City, ideal for young professionals. Known for its creative industries, design studios, and historic architecture.

Finsbury Park: Offers a mix of urban living and green spaces. It is becoming increasingly popular with young professionals and families due to its improving safety and amenities.

Holloway: A more affordable area with a mix of housing options, including new developments. Popular with students and young professionals.

Each of these neighbourhoods offers something unique, whether you are looking for luxury living, family-friendly areas, or affordable starter homes. Our fee free mortgage service can help you understand which area best suits your needs and secure the best mortgage deal to match.