London FS

London FS Trusted finance and protection advisers for HNW Clients, Business Owners, Executives and Property Investors.

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.

When did you last review your will against your current mortgage, family circumstances or business interests? For most ...
28/08/2026

When did you last review your will against your current mortgage, family circumstances or business interests? For most of our clients, property is the single largest asset in their estate, which makes getting this right genuinely important.

Our latest blog explains what to think about, and why:https://www.london-fs.com/why-your-mortgage-adviser-is-asking-about-your-will/

London FS's in-house estate planning specialists work alongside our mortgage and protection advice.

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If you own or are buying a house in multiple occupation, now is the time to be thinking about refinancing, not September...
27/08/2026

If you own or are buying a house in multiple occupation, now is the time to be thinking about refinancing, not September. HMO tenancies typically turn over around the start of the academic year, and lenders assess these properties differently to a standard buy to let.

Our latest blog explains what to expect and why timing matters: https://www.london-fs.com/hmo-finance-funding-houses-in-multiple-occupation-the-right-way/

London FS packages HMO cases for the specialist lenders genuinely active in this space.

Selling investments to fund a purchase isn't always the right move, especially when markets are down or you're not ready...
26/08/2026

Selling investments to fund a purchase isn't always the right move, especially when markets are down or you're not ready to crystallise gains. Lombard lending lets you borrow against the value of your portfolio instead, keeping your investments exactly where they are.

Our latest blog explains how it works, where it makes sense, and what to watch out for: https://www.london-fs.com/lombard-lending-borrowing-against-your-portfolio-without-selling-it/

London FS helps clients work out whether this is the right fit, and which private bank is genuinely likely to lend against their specific portfolio.

If you run your own company, have you thought about what happens to the business itself if you or a co-founder couldn't ...
11/08/2026

If you run your own company, have you thought about what happens to the business itself if you or a co-founder couldn't work tomorrow? Business protection covers exactly this, and it's one of the most overlooked pieces of planning for directors and business owners.

𝗢𝘂𝗿 𝗹𝗮𝘁𝗲𝘀𝘁 𝗯𝗹𝗼𝗴 𝘄𝗮𝗹𝗸𝘀 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘄𝗵𝘆 𝗶𝘁 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗮𝗻𝗱 𝗵𝗼𝘄 𝗶𝘁'𝘀 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝗱: https://www.london-fs.com/business-protection-what-happens-to-your-company-if-youre-not-there-tomorrow/

London FS helps clients put the right cover in place, alongside their mortgage and wealth planning.

Inheritance tax on property: a 2026 guide for families and landlords.Rising property values and more than a decade of fr...
28/07/2026

Inheritance tax on property: a 2026 guide for families and landlords.

Rising property values and more than a decade of frozen thresholds have brought a lot of ordinary estates into inheritance tax territory. IHT is charged at 40% on the value of an estate above the available allowances.

The headline numbers: a £325,000 nil-rate band per person, plus a £175,000 residence band where a home passes to children or grandchildren. A couple can shelter up to £1 million — but the residence band tapers away on estates above £2 million.

For landlords, the sting is that buy-to-let portfolios don’t qualify for Business Property Relief — HMRC treats letting as an investment business rather than a trading one — so a portfolio held in personal name sits in the estate at its full value.

Thinking about how your property fits into your wider estate? London FS coordinates the mortgage and lending piece alongside your solicitor and financial adviser — link in the comments.

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

Read our blog with a guide to understand the rules and plan ahead with confidence. https://www.london-fs.com/inheritance-tax-on-property-a-2026-guide-for-families-and-landlords/

Capital gains tax on property: how much will you pay in 2026?If you sell a UK residential property that isn’t your main ...
26/07/2026

Capital gains tax on property: how much will you pay in 2026?

If you sell a UK residential property that isn’t your main home, any profit above your £3,000 annual allowance is taxable — at 18% within the basic rate band, or 24% if you’re a higher-rate taxpayer (source: HMRC, 2026/27 rates).

The trap most people fall into: you have to report the sale and pay the tax within 60 days of completion. It’s completely separate from your self-assessment return, and the penalties for missing it add up quickly.

The good news is that purchase costs, sale costs and genuine improvements (an extension, a new bathroom) can be deducted to reduce the gain.

Thinking about selling and want the financing picture alongside the tax position?

Read our blog guide for a clear explanation before you sell. https://www.london-fs.com/capital-gains-tax-on-uk-property-how-much-will-you-pay-in-2026/

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

Speed when it counts: how bridging and auction finance actually work.A bridging loan is short-term secured lending, usua...
24/07/2026

Speed when it counts: how bridging and auction finance actually work.

A bridging loan is short-term secured lending, usually 1 to 24 months, designed to be repaid from a specific event — a sale, a remortgage or a refinance. It does what a standard mortgage can’t: move fast.

Common uses in London: a broken chain, an auction purchase with a 28-day deadline, a property that’s unmortgageable until it’s refurbished, or a commercial purchase that needs to complete while longer-term finance is arranged in parallel.

The key to a clean bridge is a solid exit from day one. Get the exit right and the rest follows.

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

Read our blog with guide to understand: https://www.london-fs.com/bridging-and-auction-finance-in-london-speed-when-it-counts/

Building your own home in the UK? A Self-Build Mortgage can help fund your project through planned stage payments, givin...
21/07/2026

Building your own home in the UK? A Self-Build Mortgage can help fund your project through planned stage payments, giving you access to money as construction progresses. From purchasing the plot and laying foundations to completing the final finishes, the right mortgage keeps your build moving smoothly. Understanding how each funding stage works, along with lender requirements and budgeting, can make your self-build journey more manageable. Read our latest guide to learn how self-build mortgage funding works at every stage and plan your dream home with confidence.

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

Read our latest Guide to understand how Self-Build Mortgage funding works at every stage of your UK home-building journey.

https://www.london-fs.com/self-build-mortgages-how-funding-works-at-every-stage/

Expat Mortgage in the UK – Your Route to UK Property OwnershipLiving abroad doesn’t mean you have to miss out on owning ...
08/07/2026

Expat Mortgage in the UK – Your Route to UK Property Ownership

Living abroad doesn’t mean you have to miss out on owning property in the UK. Many British expats can still qualify for a UK mortgage, whether you're buying a new home, investing in property, or planning for your future return. Mortgage options are available with flexible criteria, competitive rates, and solutions tailored to your income and residency status. Expert guidance can help you understand lender requirements and find the right mortgage for your circumstances.

Start planning today and take the next step towards owning property in the UK.

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

🌐: www.london-fs.com
📞: +𝟰𝟰(𝟬)𝟮𝟬𝟴 𝟰𝟮𝟳 𝟱𝟬𝟱𝟳

Can Foreign Nationals Get a Mortgage in the UK? Yes, foreign nationals can secure a UK mortgage, even for complex SPV an...
07/07/2026

Can Foreign Nationals Get a Mortgage in the UK?

Yes, foreign nationals can secure a UK mortgage, even for complex SPV and investment property purchases. Lenders typically assess your visa status, income stability, source of funds, credit profile, worldwide assets and liabilities, and potential rental income. Having the right documents and expert mortgage guidance can improve your chances of approval and help you access competitive lending options. Whether you're an investor, expatriate, or overseas buyer, understanding lender requirements is the first step towards successful UK property ownership.

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

🌐: www.london-fs.com
📞:+𝟰𝟰(𝟬)𝟮𝟬𝟴 𝟰𝟮𝟳 𝟱𝟬𝟱𝟳

Address

London
WC2A2JR

Opening Hours

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

Telephone

+442084275057

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