Your local London mortgage broker.
Personal mortgage advice that puts you first — clear answers, real people, and no jargon.
Whole-of-market access to 90+ lenders. Friendly support from start to finish.
Helping London families find the right home loan since 2018.
Mortgage advice that actually fits your life.
No call-centres. No box-ticking. Just transparent, expert advice from a broker who knows the London market inside-out — and treats every client like their only one.
A full mortgage & protection service, under one roof.
Whatever stage you're at — first home, moving up, refinancing, growing a portfolio, or protecting your family — we've got it covered.
First-Time Buyers
Stepping onto the ladder? We'll guide you from "what can I borrow?" to keys in hand — including help with schemes like shared ownership and First Homes.
- Government home buying scheme specialists
- Decision in Principle within 24 hours
- 5% & 10% deposit mortgage options
- Bank of Mum & Dad / gifted deposits
Remortgages
Coming off a fixed deal? Don't drift onto your lender's standard variable rate — let us hunt the whole market and switch you onto a better deal, often with no upfront cost.
- Rate-switch reviews 6 months before expiry
- Capital raising for home improvements
- Debt consolidation options reviewed
- Product transfers vs. full remortgage analysis
Buy-to-Let & Landlords
From your first BTL to a portfolio of 20+. We work with high-street and specialist BTL lenders, including Ltd Company SPV mortgages and HMO finance.
- Personal name & Ltd Company SPV
- HMO and multi-unit freehold blocks
- Portfolio landlord stress-test reviews
- Top-slicing for high-rental areas
Protection & Insurance
A mortgage is the biggest debt most people will ever take on. We make sure your family stays in their home if life throws something unexpected your way.
- Life insurance & decreasing-term cover
- Critical illness cover
- Income protection & ASU
- Buildings & contents insurance
Self-Employed & Contractors
High-street banks not playing ball with your accounts? We know which lenders genuinely understand self-employed income, day-rate contracts and complex earnings.
- 1 year of accounts accepted (selected lenders)
- Day-rate contractor mortgages
- Retained profit / SA302 specialists
- Director's salary + dividend income
Adverse Credit
Defaults, CCJs or a bumpy credit history? Don't assume the door is shut. Specialist lenders take a much more human view — and we know exactly which ones.
- Defaults, CCJs & missed payments
- Recent IVAs and bankruptcy discharge
- Specialist & adverse-credit lenders
- Credit-repair guidance included
Simple. Fast. Stress-free.
From first call to keys in hand — three easy steps. We handle the rest.
Tell us about your goals
Share a few details about your circumstances and what you're trying to achieve. It only takes around 5 minutes — and it's completely free, with absolutely no obligation. We'll quickly establish what's affordable and what's possible.
Book a short call with Jagpal
A short, friendly conversation at a time that suits you. Need evenings or weekends? Not a problem. We'll talk through your options in plain English — no jargon, no pressure — and shortlist the right lenders for your situation.
We get you to completion
Once you're happy with the recommendation, we handle everything — full application, lender liaison, document checks, valuation tracking, and chasing solicitors when things go quiet — all the way to completion day.
Real people. Real advice.
When you choose Links, you're not just another file in someone's queue. Jagpal personally works with every client to find the mortgage that genuinely fits your life — not just the one that pays the broker the most.
With more than a decade across mortgages, pensions and investments, Jagpal brings deep market knowledge with a refreshingly straight-talking approach. The kind of broker you'd recommend to your best friend.
Book your free consultationJagpal founded Links Financial Services with one mission: to give every client the calibre of mortgage advice once reserved for the privileged few. He's known for pursuing every angle for clients others have given up on — and for being the broker who actually picks up the phone.
Plan your numbers, before you talk to anyone.
Free to use, no sign-up, no personal details. Get a feel for your costs in seconds — then talk to us when you're ready for a proper recommendation.
Loved by Londoners.
Over 100 five-star reviews on Google. Here's what real clients are saying.
Common questions.
Got a question that isn't here? Just call 01708 202 175 — we love a chat.
Let's find your best mortgage.
Fill in the form and Jagpal will personally call you back, usually within a couple of hours during working times. Free, no obligation, no jargon.
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Jagpal will be in touch shortly. In the meantime, feel free to call us directly on 01708 202 175.
Ready to find your best mortgage?
Free consultation. No obligation. 20 minutes could save you thousands.
