Mortgage broker in Hendon

Hendon is busy, well connected and very mixed. In a single afternoon you might view a brand-new flat in a large development, an interwar family house and a property a landlord is selling on. Each one suits different lenders, which is where good advice earns its keep.

Mortgage advice in Hendon

Kudos Mortgages was founded by Sol, an adviser based a few miles up the road in Edgware and advising since 2017. We've worked with more than 500 clients and are rated 5 stars on Google from 80+ reviews.

From the first conversation, we'll tell you plainly what you can borrow, which lenders suit your plans and what to watch out for on the property you have in mind.

Hendon and its neighbours

The area takes in several neighbourhoods, each with its own character:

• Hendon Central, around the Northern line station, mixes flats with interwar family houses on the surrounding roads.
• West Hendon, near the Welsh Harp reservoir, has older homes alongside newer flats.
• Colindale, to the north-west, is known for its many newer apartment developments.
• Golders Green, a short distance south, has period houses, flats and larger family homes.
• Brent Cross, to the south, is a major shopping and transport hub for the area.

Buying a new-build flat in Hendon or Colindale

New-build flats are one of the most common first purchases here, and lenders look at them a little differently. The valuation can come in below the asking price, as a new-build price can include a premium that doesn't carry over when the flat is resold. Developer incentives have to be declared to your lender. Some lenders also ask for a bigger deposit on a new-build flat.

In larger blocks, check the service charge carefully, as lenders count it in your monthly outgoings. Depending on the building, a lender may also ask for information about the external walls before it will lend. If the flat is still being built, make sure your mortgage offer will last until completion.

Letting near Middlesex University

Hendon is home to Middlesex University, and that, together with good transport links, brings steady demand for rented homes nearby. If you're a landlord, lenders look mainly at the expected rent compared with the mortgage payment, alongside your own circumstances. Letting to students, or to several separate tenants in a shared house, usually needs a specialist lender, so tell us how you plan to let the property from the start.

Two routes into town

Hendon has two ways into central London. Hendon Central is on the Northern line, and Hendon station is on Thameslink. Many buyers find that one route suits their commute far better than the other, so it's worth checking before you settle on a street.

How we help in Hendon

First-time buyers. We'll explain the deposit, the borrowing and the process, and find a lender that's comfortable with the flat or house you want. See first-time buyer mortgages.

Families and home movers. Moving from a flat to a house is a big step. See residential mortgages.

Landlords. From a first rental flat to a growing portfolio. See buy-to-let mortgages.

Homeowners remortgaging. If your fixed rate ends in the next six months, it's time to look. See remortgages.

Self-employed buyers and company directors. Lenders assess business income in very different ways. See self-employed mortgages, or read our guide to mortgages for company directors.

Protection. Cover that keeps the mortgage paid if illness or the worst happens. See protection insurance.

Why choose a broker for your Hendon mortgage

With so many new-build flats, rental properties and family homes in one area, the right lender for one purchase can be the wrong one for the next. We compare across the market, check the property against lender criteria early and handle the paperwork, so there are fewer surprises later on.

Kudos Mortgages is FCA regulated as an Appointed Representative of Cornerstone Finance Group, so you're in safe hands.

Areas we cover around Hendon

As well as Hendon itself, we help clients in Hendon Central, West Hendon, Colindale, Golders Green and Brent Cross. Nearby, see our pages for a mortgage broker in Mill Hill, Finchley and Edgware, and for homes further north, a mortgage broker in Barnet.

To talk through your plans, book a free call. It's 30 to 60 minutes, by video or phone, and there's no obligation.