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Monday 9am - 6pm Tuesday 9am - 6pm Wednesday 9am - 6pm Thursday 9am - 6pm Friday 9am - 6pm

London FS

Trusted finance and protection advisers for HNW Clients, Business Owners, Executives and Property Investors.
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Founded in 2010 by Amar Dhanota and Amar Vig, London FS was built to offer a more thoughtful and capable approach to mortgage and finance advice. We specialise in helping company directors, professionals and clients with complex or multiple income streams secure the right solution for their circumstances. We understand that many of our clients do not fit a standard lending model. Our role is to lo

ok at the full picture, structure each case properly and guide clients through the process with clarity and confidence. We are proud to have built our business on long-term relationships, repeat clients and trusted introductions. Our vision is to be the firm clients return to throughout their property journey because they trust our advice, our honesty and the way we add value. For us, adding value means more than arranging finance. It means setting clear expectations, giving straightforward guidance, helping clients make informed decisions with confidence in the present and for the future.

25/05/2026

Life changes quickly, but many people never update their life insurance policy after buying it. In the UK, reviewing your cover regularly can help protect your family, mortgage, and future financial plans. Major life events like marriage, having children, buying a home, changing jobs, or increasing income may mean your current policy no longer matches your needs. An outdated policy could leave you underinsured, paying more than necessary, or naming the wrong beneficiaries. A simple annual review can help keep your protection aligned with your lifestyle and responsibilities. Reviewing your life insurance policy today could provide better financial security for the people who matter most.

Read more: https://www.london-fs.com/review-life-insurance-policy-uk/

25/05/2026

Gifted deposits can help family members buy property faster, especially for high-net-worth families in the UK. But without proper planning, a gifted deposit may create unexpected inheritance tax (IHT) risks. The 7-year rule is important, if the giver lives more than 7 years after the gift, there is usually no IHT to pay. Poor structuring can also lead to tax issues or family disputes later. That’s why smart wealth planning matters. A gifted deposit is not just financial support. It’s part of a long-term property and tax strategy. Speak with mortgage and tax professionals before making large family gifts to protect wealth and avoid future complications.

Visit: https://www.london-fs.com/gifted-deposits-inheritance-tax-hnw/

23/05/2026

Strategic borrowing is not just about taking debt. For many UK high-net-worth individuals, it is a smart way to keep control of cash flow, protect investments, and grab new opportunities without selling valuable assets. Many HNW clients use tailored lending solutions like interest-only mortgages, portfolio-backed lending, and private banking finance to maintain liquidity while growing wealth. Specialist lenders in the UK often look beyond salary and focus on total assets, investments, and long-term financial goals. Smart borrowing can help with property purchases, business expansion, tax planning, and investment growth while keeping wealth structures flexible. Choosing the right finance strategy is important for balancing risk, opportunity, and financial freedom in today’s changing market.

Visit: https://www.london-fs.com/strategic-borrowing-hnw-clients-uk/

15/05/2026

Your mortgage interest rate plays a major role in how much you pay every month. Even a small rate increase can raise monthly repayments and affect your household budget. On the other hand, a lower rate may help reduce monthly costs and make managing finances easier.

For UK homeowners and first-time buyers, comparing mortgage deals carefully is important before making a decision. Fixed-rate and variable-rate mortgages both work differently and can impact long-term payments.
Understanding the link between mortgage payments and interest rates can help you plan your finances better and avoid unexpected costs in the future.

𝗥𝗲𝗮𝗱 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝘃𝘀 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲𝘀 𝗵𝗲𝗿𝗲: https://www.london-fs.com/monthly-mortgage-payments-vs-interest-rate/

15/05/2026

Stop paying rising rent for your business premises and start building long-term value with an Owner Occupier Commercial Mortgage in the UK. Buying your own commercial property can give your business more stability, fixed monthly payments, and the opportunity to grow equity over time. Whether you run a shop, office, warehouse, or restaurant, owning your workspace can be a smart financial move for the future. Many UK lenders offer flexible repayment terms and competitive finance options based on your business needs. Explore how commercial property ownership can support your business growth and provide greater control over your space.

𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝗢𝘄𝗻𝗲𝗿 𝗢𝗰𝗰𝘂𝗽𝗶𝗲𝗿 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀 𝘄𝗶𝘁𝗵 𝗟𝗼𝗻𝗱𝗼𝗻 𝗙𝗦 𝘁𝗼𝗱𝗮𝘆.
Visit: https://www.london-fs.com/owner-occupier-commercial-mortgage-uk/

13/05/2026

Need fast funding for a commercial property deal in the UK? Bridging finance can help you move quickly when timing matters most. It is a short-term finance solution designed for property purchases, auctions, refurbishments, refinancing, or business expansion. With quicker approvals and flexible lending options, bridging loans are popular among UK property investors and business owners. London FS helps clients find suitable commercial bridging finance solutions based on their project needs and exit strategy. Whether you are buying a new property or refinancing an existing one, expert guidance can make the process smoother and faster. Learn how bridging finance works and discover smart funding options for your next commercial property opportunity.

Visit: https://www.london-fs.com/bridging-finance-commercial-property-uk/

13/05/2026

Commercial property refinancing can help UK business owners and investors unlock the value tied up in their property. It may support better cash flow, lower monthly repayments, or provide funds for business growth and new investments. Many property owners refinance to expand portfolios, renovate buildings, or switch to more suitable finance terms. With the right refinancing strategy, businesses can manage costs more effectively while planning for future opportunities. London FS offers tailored commercial finance solutions designed around your business goals and property requirements. Whether you own offices, retail units, warehouses, or mixed-use properties, refinancing could be a smart step towards long-term financial stability and growth.

𝗥𝗲𝗮𝗱 𝗼𝘂𝗿 𝗹𝗮𝘁𝗲𝘀𝘁 𝗯𝗹𝗼𝗴 𝘁𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝗵𝗼𝘄 𝗰𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝘄𝗼𝗿𝗸𝘀.
Visit: https://www.london-fs.com/commercial-property-refinancing-uk/

01/05/2026

Many UK business owners believe mortgage myths that are not always true. If you are self-employed, getting a mortgage is not difficult—you just need the right lender. Some people think you must have 3 years of accounts, but this is not always required. Also, it’s not true that only salary and dividends count—some lenders also consider full business profit. Banks don’t always give the best options, but a good mortgage broker can help you find better deals. If your income is complex, taking expert advice can make the process easier. Don’t let these common myths stop you from getting your dream home.

For more information, read our blog for simple and clear guidance.

Visit:https://www.london-fs.com/mortgage-myth-busters-what-high-earners-business-owners-and-complex-income-clients-get-told-that-simply-isnt-true/
Call: +𝟰𝟰(𝟬)𝟮𝟬𝟴 𝟰𝟮𝟳 𝟱𝟬𝟱𝟳

01/05/2026

Mortgage deals don’t disappear randomly. They move with the market. In the UK, rates are influenced by inflation, the Bank of England base rate, and lender funding costs. When market conditions shift, lenders quickly reprice or withdraw products to manage risk. That’s why timing matters. Securing a competitive mortgage early can protect you from sudden rate increases, while waiting could mean higher monthly payments or fewer options. Whether you’re a first-time buyer, remortgaging, or investing, staying informed and acting fast is key. Work with a broker, monitor rate trends, and have documents ready so you can lock in the right deal at the right time.

For more details, read our latest blog and stay ahead with smart mortgage decisions.
https://www.london-fs.com/when-mortgage-deals-start-disappearing-it-is-usually-not-random/

Call: +𝟰𝟰(𝟬)𝟮𝟬𝟴 𝟰𝟮𝟳 𝟱𝟬𝟱𝟳

29/04/2026

Are you prepared for the upcoming EPC rule changes? Landlords need to stay updated as new Energy Performance Certificate (EPC) regulations for 2025–2030 are expected to impact property standards, rental eligibility, and long-term investment value. If your property doesn’t meet the required energy ratings, it could affect your ability to rent or even reduce your returns.

Now is the right time to review your property’s energy efficiency, plan upgrades, and understand how these changes can impact your finances. From insulation improvements to energy-saving systems, small actions today can help you avoid bigger costs tomorrow. Stay informed, stay compliant, and protect your rental income with smart planning.

Visit: https://www.london-fs.com/a-landlords-guide-to-the-upcoming-epc-changes/

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London
WC2A2JR

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

+442084275057

Website

http://www.london-fs.com/

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