What are the opening hours?

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

London FS

Call Directions Website Contact the business

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 look 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.

13/10/2026

"I'll sort protection later." It's the line we hear most often after a mortgage completes.

Later becomes six months, then a year, then five. Meanwhile the mortgage grows and the family relies more on your income. In 2024, £8bn was paid out in UK protection claims (ABI), yet 63% of UK adults have not made a will.

You don't need every policy. Start with the biggest risk, whether that's the mortgage or your income, and review it as life changes.

DM us "PROTECT" and we'll talk it through.

Your home may be repossessed if you do not keep up repayments on your mortgage. Dhavi Limited t/a London FS is authorised and regulated by the Financial Conduct Authority (FCA 628993).

12/10/2026

UK long-term borrowing costs are now higher than during the 2022 mini-Budget crisis.

In September, 30-year gilt yields reached 5.89%, the highest since 1998. With less room in the public finances and the biggest tax levers ruled out, attention is turning to capital gains tax and a possible tax on high-value homes, with £1.5m and £2m thresholds reportedly under consideration.

If you're buying, refinancing or holding property in London, the time to review your position is before 28 October, not after.

DM us "BUDGET" and we'll talk it through.

This is general information, not tax advice. Your home may be repossessed if you do not keep up repayments on your mortgage. Dhavi Limited t/a London FS is authorised and regulated by the Financial Conduct Authority (FCA 628993).

30/09/2026

Run a stamp duty calculator on a London purchase lately? If the number surprised you, the thresholds changed in April 2025 and a lot of people are still budgeting off the old figures.

Our latest guide breaks down the current bands, what a £750,000 London flat actually costs as a main residence versus a second property, and the first-time buyer cliff-edge worth knowing before you offer:https://www.london-fs.com/stamp-duty-in-2026-what-london-buyers-actually-pay/

London FS talks through the full cost of a purchase, deposit, fees and stamp duty, in the first conversation.

28/09/2026

Thinking about helping a child onto the property ladder? A joint borrower sole proprietor mortgage is worth knowing about before you default to a bigger cash gift.

Our latest guide compares JBSP, family offset mortgages and gifted deposits, including what each means for stamp duty and inheritance tax: https://www.london-fs.com/family-assisted-mortgages-getting-children-onto-the-ladder/

London FS talks families through which structure actually fits their circumstances.

26/09/2026

The Bank of England held its rate decision on 17 September. If your mortgage deal is ending in the next six months, here is what actually matters.

Our latest update looks at why September's vote split held rather than widened, what August's inflation figures really show once you look past the headline, and why most lenders will let you lock in a rate now at no cost: https://www.london-fs.com/mortgage-rates-in-september-2026-what-to-watch-at-the-banks-next-decision/

London FS helps clients review their options well ahead of a deal ending, rather than after.

25/09/2026

If your sale keeps falling through, you do not necessarily have to lose the next purchase. A let-to-buy mortgage lets you keep your current home as a rental while a separate mortgage funds the new one.

Our latest guide covers how the two mortgages work together, what consent to let actually means, and the stamp duty refund window most people do not realise they need to claim: https://www.london-fs.com/let-to-buy-how-to-move-home-without-selling-your-current-one/

London FS structures both mortgages together as a single case.

24/09/2026

If you hold UK property and expect to spend time living abroad, here is the one conversation worth having before the move rather than after it.

Most standard UK life policies do pay out worldwide. The real risks are disclosure, residency clauses, and losing the ability to buy new UK cover once you are non-resident. Our latest guide on global life insurance explains what actually matters: https://www.london-fs.com/global-life-insurance-protection-that-travels-with-you/

London FS coordinates protection alongside the mortgage from the outset.

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.

# #

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.

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.

Address

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/

Alerts

Be the first to know and let us send you an email when London FS posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to London FS:

Want your business to be the top-listed finance company in London?