What Our Clients Say

Why Choose MariannaFS ?

Completely Fee-Free Service

MariannaFS do not charge any broker fee for our services.  We are paid by the lender so we do not charge you broker fees.

Personalised Advice

MariannaFS would provide you with personalized mortgage advice. We will guide you throughout the process & keep you updated.

FCA Regulated & Qualified

We are fully authorised and regulated by the FCA for your peace of mind.

5-Star Rated Client Service

Don’t just take our word for it. Read our glowing 456  5 star reviews from clients.

Whole of Market Access

We compare thousands of products from over 90 lenders to find the perfect mortgage deal for you.

Our Doors are open

By associating with MariannaFS  you would never lose touch with us. We try our best to be there for you at all times and stay connected.

Ready to Begin?

Complete the short form and our expert broker will be in touch shortly.

Our Mortgage Process

  • Fill The Form

    Tell us about your mortgage needs and yourself

  • Quick Call

    Arrange a call with our expert to discuss your mortgage

  • Expert Research

    We research in order to find you the best mortgage for your circumstance

  • Secure Your Mortgage Deal

    Our team will complete the application and keep you updated

Independent Mortgage Advisor In London, MariannaFS

 

Our Independent mortgage advisors are experience and qualified professionals. Our impartial mortgage advice helps all kinds of mortgage borrowers in London to get the mortgage deals they are looking for. From first-time buyers mortgage to remortgage or buy to let mortgage, we use our expertise to find most suitable mortgage rates for you.

Our London Property Market Insight

 

London has been a property hotspot for investors and even for families. Property prices in London always are on top end compre to whole of UK. London always being a global centre point rental property market has a very high demand.

As per right move the London average property prices are £654,969 over the last year. Terrace properties are among most sold  with average price of £765710. Property prices being  at the top end , expert mortgage advice is very crucial  for securing best mortgage deal in London.

 

Self-employed Mortgage broker in London

We can help you with mortgage for self-employed. Whether you are a sole trader or limited company director we will find you self-employed mortgage deals from specialist lenders suitable to your circumstances with possible mortgage rates.

Company buy-to-let mortgage broker in London

If you want to purchase a buy-to-let property under your company’s name, known as SPV purchase we will assist you to find the right mortgage for company buy to let. Whether you want an SPV (Special Purpose Vehicle) mortgage or a conventional buy-to-let mortgage, we will find you most suitable mortgage deal and guide you throughout the mortgage application process and keep you informed about all requirements.

Bad Credit Mortgage broker in London

We will make every effort to find a right mortgage if you have adverse credit. Bad credit should not stop you from purchasing or remortgaging your property. If your credit score is not great, our team of FCA approved experience mortgage brokers will help you with bad credit mortgage or remortgage with bad credit. Depending on how severe your bad credit is, we can get you suitable remortgage deals with specialist lenders.

Insurance life cover

 

Our services are not limited to getting you the best mortgage deals. We intend to make your property purchase more secure by helping you get the right home insurance and life cover. A home insurance policy will cover the damages caused to the property you purchase on a mortgage. A life cover plan will extend a financial helping hand to your family in the case of your demise or if you encounter a critical medical illness.

Our mortgage advisors will suggest plans that best suit your needs, giving you complete financial security along with the property purchase.

Contact us via WhatsApp, email and broker will contact you for impartial expert mortgage advice.

Best Mortgage Rates

Based on value of £200,000 at 50% LTV

First Time Buyer

Lender Details
Initial Rate
APRC
4.75%
6.62%
4.75%
6.68%
4.8%
6.63%

Remortgage

Lender Details
Initial Rate
APRC
4.79%
6.63%
4.79%
6.63%
4.79%
6.68%

BTL Purchase

Lender Details
Initial Rate
APRC
3.05%
8.77%
3.09%
8.74%
3.09%
8.89%

Home Mover

Lender Details
Initial Rate
APRC
3.23%
7.37%
3.37%
5.89%
3.46%
7.42%

Our lenders

We work with over 90 lenders

ACCORD MORTGAGES
BARCLAYS
CLYDESDALE BANK PLC
COVENTRY BUILDING SOCIETY GODIVA
HSBC
HALIFAX
LEEDS BUILDING SOCIETY
METRO BANK
NATIONWIDE BUILDING SOCIETY
SANTANDER
SKIPTON BUILDING SOCIETY
TSB BANK
VIRGIN MONEY
NETWEST

Ready to Start Your Fee-Free Mortgage Journey?

About Us

Marianna FS as a trustworthy and client-focused fee free mortgage broker. Their core value proposition is built on four key pillars: being Free (Fee free mortgage advice), independent (not tied to any panel of bank), comprehensive (access to nearly 90 lenders), and experienced (FCA authorised since 2016).

We pride ourselves on the close relationships we build with each & every client. But don't take our word for it, read our 5-star reviews on review platforms including Google and Trustpilot.

Some of the FAQS

Are your services limited to London?

Along with helping you find the best mortgage broker London has to offer, our services span to London and across the UK.

Irrespective of where you are located, we are more than happy to help you in your hunt for your dream home.

Our fee-free mortgage brokers are experts in scanning the market for the best deals and guide you in an investment that can very well be the biggest investment of your life!

What are the mortgage rates I will get?

The mortgage rates depend primarily on the base rate of the Bank of England.
The rate at which a lender offers you a mortgage would also depend on the affordability tests conducted by them depend on your income, deposit and credit scoring.

Before you go deal with a mortgage lender and seek the best offer, our mortgage brokers would provide you with all the necessary information, making sure that your journey is safe and smooth.

You can check the mortgage rates here

Can you get a mortgage with bad credit?

Another common issue faced by mortgage borrowers is that of bad credit.
If you have accumulated bad credit over time, you are likely to face rejections from several lenders.

Yet again, you need not worry about finding a mortgage deal in London with Marianna Financial Services. Our brokers would help you find specialized lenders who consider providing mortgages to borrowers with bad credit (depending on the nature and severity of bad credit).

Why use an independent mortgage broker?

Finding for a property and a right mortgage in a market can get really challenging. Especially if you are a first-time buyer, you are likely to encounter several hurdles along the way.

Amidst these challenges, it is important to seek help from an independent mortgage advisor who would give you a sense of direction. An independent mortgage advisor would help you to prevent from making impulsive and uninformed decisions while taking out a mortgage.

Mortgage broker would analyse your financial situation, understand your motivation, and help you make the right decisions.

Can you get a mortgage being self-employed?

In most cases, mortgage lenders prefer with borrowers who have a employed income instead of people who are self-employed. Here, stability of income is preferred over a hefty bank account balance.

If you are self-employed and are looking for mortgage broker in London, there is no need to get disheartened. Our mortgage brokers would help you find right lenders who help self-employed borrowers get suitable mortgage deals.

Rest assured that we would help you find a deal that best suits your requirements and circumstances.

Our Mortgage Guides

Do-you-need-a-deposit-to-remortgage

While remortgaging generally does not required a deposit, you will still need to incur additional ex...

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Mortgages For Contractors

Being a contractor has its benefits, but when it comes to proving earned income for mortgage then it...

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Mortgages For Foreign Nationals

Foreign nationals can own properties in the UK as visa does not stop them. However, the process may ...

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6 Times Salary Mortgages

6x salary mortgages that significantly increase their borrowing capacity up to 30 %

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Average Mortgage Payments

Monthly mortgage payment depends on a number of factors, including interest rates, deposit amount .

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Mortgages For Company Director

Mortgages for company director is for those who runs their own limited company & take salary plus di...

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40 Year Mortgage

Most people go for longer term mortgage as long as 40 years and some lender now offer 40 years mortg...

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NatWest Mortgage In Principle

NatWest mortgage in principle , what are the benefits and how to get one.

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Halifax-2-years-fixed-rate-mortgage

Halifax’s 2 year & 5 year fixed rate mortgages for first time buyers. Halifax’s fixed remortgage r...

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Halifax Mortgage In Principle

Halifax mortgage in principle , what are the benefits and how to get one.

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What documents required to Remortgage?

Remortgaging is the process of switching an existing mortgage deal with a new one at the end of the ...

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Should I Get A 35 Years Mortgage?

Most people go for longer term mortgage as long as 35 years and some lender now offer 40 years mortg...

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How to prove the Income of a Company Director

Income is the main factor in mortgage approval. How much you can borrow will depend on what income c...

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First Time Buyer Mortgages

Having a fee free mortgage broker by your side can help you to secure a better mortgage as a first ...

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Compare Remortgage Rates

A Remortgage can be with the same lender or a new lender. Mortgage borrowers will normally choose to...

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Add Some One To Mortgage?

If you have got a Mortgage by yourself and are thinking to add someone else on the mortgage, this i...

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Mortgage Application Timeline?

Your mortgage application approval, however, can take from 2 to 6 weeks.

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Mortgage Broker Fees

Learn all about what a mortgage broker charges, from the types of fees to fee-free mortgage brokers...

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Types Of Uk Houses

The UK housing market is made of 7 major types of houses. Detached , Semi-detached , Terrace , End ...

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Natwest Mortgage Rates

The best first time buyer mortgage rate from Natwest will start form 4.14 % for 2 year fixed with £1...

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Nationwide Product Transfer

At the end of your Nationwide fixed term mortgage, you can change to a new mortgage deal without cha...

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Mortgage Approval Time

Mortgage applications through a mortgage broker can take up to 2-3 weeks for approval. Which is a lo...

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BM Solution Mortgage Rates

BM solutions mortgage rates for new customers or BM solution mortgage rates for existing customers s...

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Barclays Remortgage Guide

Barclays are offering a better mortgage deal, you can certainly go ahead with the rate switch proces...

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Low Deposit Mortgage

Gathering a sufficient deposit is a big challenge every first-time buyer faces along the way of prop...

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Mortgage With Default?

Yes, you can get a mortgage with a default. In most cases, borrowers with bad credit seek help from ...

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Nationwide Mortgage Porting

Mortgage porting is you move your current mortgage to your new home. If you are planning to port you...

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What Is Mortgage Porting?

Mortgage porting is you move your current mortgage to your new home. The current mortgage terms and ...

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Santander-fixed-rate-mortgage

Santander offers 2 years fixed rate mortgage and 5 years fixed rate mortgage for first time buyers, ...

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Santander Mortgage Porting

If you have an existing mortgage with Santander and want to retain it while purchasing another prope...

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Barclays Mortgage Porting

Mortgage porting can be very easy and straight forward process if done right first time with the hel...

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HSBC Mortgage Rates

HSBC offers a range of the latest mortgage rates for their customers. Having the right mortgage deal...

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Nationwide Helping Hand Mortgage

Nationwide Helping Hand mortgage first time buyers are eligible to borrow a little more than the nor...

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How Long It Takes To Remortgage

What is remortgaging? Remortgaging is the process of switching an existing mortgage deal with a n...

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99% Mortgage For First Time Buyer

It is been reported government is planning to introduce new 99% LTV mortgage with 1 % deposit to hel...

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Remortgage With Same Lender?

When it comes to remortgaging your home, there are two major ways in which you can go about it. You...

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Mortgage Jargon Explained

Mortgage Jargon Terms used . The property market is no less than a field of study with important ...

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Self-employed Mortgage

While buying a property is a dream come true, many self-employed individuals find themselves worryin...

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How To Get Mortgage On Visa

If you live in the UK and are still on a VISA, you can purchase a property on a mortgage, even if yo...

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Higher Interest Rates And Remortgaging Options

As of the August of 2023, the Bank of England has increased its base rate for the 14th consecutive t...

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What Is APRC?

APRC refers to the annual percentage rate. As the name suggests, it is the rate of interest a lender...

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What Is A Credit Score?

In simple words, a credit score is a number that represents your creditworthiness. The number is ...

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What Is Loan To Value

When you are getting a mortgage  to purchase  or remortgage a property, the rate of interest and the...

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Tenants In Common” And “Joint Tenants

Especially in the case of first-time buyers, people choose to purchase properties with their friends...

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Type of Survey

Conducting a house survey is one of the many important assessments that need to be made before going...

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First-time Buyers Tips

Activity Among First-time Buyers Is Increasing As Annual Price Increase Slows. Here are some tips fo...

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Shared ownership mortgages

As the name suggests, a shared ownership mortgage is the type of mortgage where you share the owners...

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How To Staircase Shared Ownership?

As you know shared ownership property allows you to own a specific percentage of the house. The cont...

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What Is Conveyancing

Taking a mortgage for buying a property involves a range of legal considerations to make the process...

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Contractor Mortgage

When it comes to mortgages, people have always taken into consideration borrowers who are salaried e...

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Right to buy mortgage

A right to buy mortgage is a government mortgage scheme that allows council tenants in the UK to pur...

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What is green mortgage

Over time, the importance of sustainable development has increased worldwide. Green mortgages help y...

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Remortgage with bad credit

Your credit score arguably plays the most important role in finding an ideal mortgage . Lenders ofte...

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Remortgage for home improvement

There are many reasons why people choose to remortgage their properties, one of the most common bein...

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What is offset mortgage

Offset mortgage is a type of mortgage where your savings or current bank account is linked with your...

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What is variable rate mortgage?

As opposed to a fixed-rate mortgage, a variable rate mortgage is where the interest rate keeps fluct...

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What is a fixed rate mortgage?

As the name suggests, a fixed-rate mortgage is a type of mortgage where the rate of interest remains...

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What is a buy to let remortgage?

As the name suggests, a buy-to-let remortgage is a process of remortgaging our buy-to-let property. ...

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Guide to Gifted Deposit

Deposits often play a decisive role in finalizing a borrower’s decision especially in the case of fi...

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What is a transfer of equity?

There are many ways of changing the legal ownership of your property without putting it up for sale ...

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Leasehold property guide

If you are planning to purchase a new property with a mortgage, it is important to consider the type...

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What is an EPC

In current times energy and power consumption means a lot to normal household. With increasing cost...

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Buying a leasehold property

One of the most common ways of property purchase is a owning leasehold property. If you buying a pro...

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Leasehold Vs Freehold

Leasehold Vs Freehold: When it comes to owning a house, there are two major forms of ownership in...

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Are you mortgage-ready ?

Are you mortgage ready ? Buying a new home is, in equal parts, exciting and full of responsibilit...

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What can stop you getting mortgage

Purchasing a property through a mortgage is a significant decision that requires careful considerati...

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Facts About Mortgages

Getting a mortgage is always an important event in an individual’s life. It is, therefore, common fo...

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Remortgage cost and saving

Remortgage can take few months. we have cover in this guide the cost and saving related to remortgag...

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No Fees Mortgage Broker

If buying your first property or remortgaging to better rate MariannaFS offer fee free online mortga...

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Agreement in principle

Mortgage in principle, Decision in principle or Agreement in principal. MIP, DIP or AIP. With the...

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Remortgage guide

Your monthly mortgage repayments can be a substantial amount of your monthly income, so you should c...

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Btl buyer guide

Finding the right buy-to-let mortgage can be a daunting task. Our trusted mortgage broker can quickl...

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Home mover guide

Whether you are moving to a bigger property or downgrading to smaller property, moving home can be a...

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First time buyer guide

Buying your first house is one of the most important purchases of your life and can be equally excit...

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NHS mortgage

What is an NHS mortgage? NHS mortgage is not a standalone mortgage product. It refers to a situat...

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As a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments