London's trusted
mortgage specialists.
Personal advice that puts you first — plain English, real people, whole-of-market access to 90+ lenders.
First-time buyers · Remortgages · Buy-to-let · Self-employed · Adverse credit
⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage advice that genuinely fits your life.
No call-centres. No jargon. Expert advice from a broker who treats every client like their only one — with the reviews to prove it.
Three steps.
Stress-free.
From your very first question to keys in your hand — we handle the complexity so you don't have to.
Share your goals with us
A quick 5-minute form — or just call us. Completely free, no obligation. We establish what's affordable and what's possible for your exact situation.
Book a short call with Jagpal
A friendly, jargon-free conversation at a time that suits you — evenings and Saturdays included. We shortlist the right lenders and explain your options clearly.
We get you to completion
Application, lender liaison, document checks, valuation tracking, chasing solicitors — we handle everything all the way to completion day.
Ten years' experience.
One goal: your approval.
Jagpal Singh founded Links Financial Services London Ltd with a clear mission: to modernise the mortgage and insurance industry and make the process genuinely straightforward for clients. With over 10 years in financial services — including his background as a financial planner specialising in pensions and investments — Jagpal brings a rare, whole-of-life understanding of money to every mortgage conversation.
Today he leads a dedicated team at Links Financial Services, all committed to giving you a refreshingly clear, jargon-free experience — whether you're buying your first home, remortgaging, or protecting your family's future.
A full mortgage &
protection service.
Whatever stage you're at — first home, remortgage, investment property, or protecting your family.
First-Time Buyers
From "what can I borrow?" to keys in hand — including shared ownership and First Homes schemes.
- Government home buying scheme specialists
- Decision in Principle within 24 hours
- 5% & 10% deposit options available
- Bank of Mum & Dad / gifted deposits
Remortgages
Don't drift onto your lender's SVR. We search the whole market and switch you to a better deal.
- 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+, including Ltd Company SPV 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
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
We know which lenders genuinely understand self-employed income and day-rate contracts.
- 1 year of accounts (selected lenders)
- Day-rate contractor mortgages
- Retained profit / SA302 specialists
- Director salary + dividend income
Adverse Credit
Defaults, CCJs or a bumpy history? Specialist lenders take a human view — we know which ones.
- Defaults, CCJs & missed payments
- Recent IVAs and bankruptcy discharge
- Specialist adverse-credit lenders
- Credit-repair guidance included
Know your numbers
before you call.
Two free calculators to help you plan — no sign-up required. Use them to get a starting figure, then let's talk through the details.
Stamp Duty Calculator
Work out exactly how much Stamp Duty Land Tax (SDLT) you'll pay on your next home — including first-time buyer relief and buy-to-let surcharges.
Try the calculator →Mortgage Repayment Calculator
See an estimate of your monthly repayments based on loan amount, term and interest rate — a quick way to check what fits your budget.
Try the calculator →Results are estimates for guidance only and do not constitute a mortgage offer or financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage.
Loved by Londoners.
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 hours. Free, no obligation, no jargon.
Book a Free Initial Consultation
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Jagpal will be in touch shortly. You can also call on 01708 202 175.
Ready for your best mortgage?
Free initial consultation. No obligation. 20 minutes could save you thousands.
