London mortgages
£500k–£1m+ home loans, remortgages and complex income. Start with your property, deposit and borrowing plans.
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Head of Mortgages at Lockhart Murphy.
Personal advice for your home, investment or international plans, with protection and separate UK consultancy.
Familiar banks and specialist funders. The fit is always personal.
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Ask Jack about your plans on WhatsApp ↗A broad selection of five-star client reviews mentioning Jack, from Lockhart Murphy’s Google listing.
“I was referred to use Lockhart Murphy for my mortgage application and I'm really happy with the ease, professionalism and communication I've received from Jack. The process has been made simple and smooth. Jack has always answered all my questions and…
“Jack was a great help. Very responsive and helped me get a mortgage in a very efficient manner. Would definitely recommend anyone who is applying for a first time mortgage”
“I've been using Jack as my mortgage adviser for a number of years now and he's helped me with multiple mortgages over that time. He's always been professional, responsive and has made the whole process straightforward from start to finish. Nothing is ever…
“I had an absolutely wonderful experience working with Jack! From our very first conversation, he was incredibly knowledgeable, patient, and always quick to respond. He walked me through every step of the mortgage process without making me feel rushed, and…
“I recently worked with Jack for my mortgage and honestly couldn't recommend him highly enough. From start to finish, he made the whole process feel straightforward and stress-free. He took the time to explain everything, gave me multiple options that…
“It's not often that I'm truly impressed by the quality of service I receive, but Jack Cousins at Lockhart Murphy is in a league of his own. My employment situation is incredibly niche — I spoke to around 20 advisors including 10 who specialise in expat…
“We have been using Lockhart Murphy for all of our mortgage applications and they have been so helpful. Jack recently helped us secure a rate for our remortgage before rates shot up. I highly recommend them!”
“All I can say is best remortgage team. Jack was so helpful and professional. I will advise 100 percent to use Jack and his team. Thank you so much for your time and effort.”
“Fantastic service from Jack at Lockhart Murphy. He was responsive, straightforward, and made the mortgage process feel smooth and manageable throughout. Would definitely recommend his support to anyone looking for a dependable broker.”
“Jack helped me navigate the confusing mortgage process with ease, which I really appreciated. His friendly and approachable demeanour made it a comfortable experience overall. I felt like he truly cared about finding the best possible deal for my specific…
“Jack Cousins has advised us for our first mortgage. He was very knowledgeable and responsive throughout the process. Couldn't recommend his services enough!”
“Great experience with Jack Cousins — very communicative, friendly and clear. Pulled everything together quickly.”
“I recently used Lockhart Murphy for a BTL Mortgage. Jack was the person looking after me during the process. He is very professional, responsive and does his best to advise on the range of products available. I would highly recommend them. Thanks again Jack!”
“Working with Jack was an absolute pleasure. What stood out was how incredibly responsive he was — always quick to answer, no matter the time of day. It felt like he was available 24/7, which made the whole mortgage process so much less stressful. He…
“Jack was fantastic from the start and his mortgage advice was spot-on. Jack guided me through the process of becoming a first-time buyer. Daunting at first but Jack made it such a smooth and easy process thanks to his willingness to help, experience and…
“Jack was brilliant from start to finish, very very helpful and always kept me updated with the process. Overall I highly recommend, big thank you to Jack!”
“Jack Cousins helped me a lot with my remortgage. I didn't have to do anything — he did everything. And the most important thing is that he is very kind. Thanks Jack.”
“We had an exceptional experience working with Jack Cousins as our mortgage broker. From the very start, he took the time to understand our exact needs and secured a highly competitive mortgage product. His professional advice guided us through every step,…
“Great experience. Very responsive, excellent customer service, and to top it, they know their stuff. Highly recommend esp. Jack Cousins who was such a blessing. Will continue using them in the future and have already recommended to family & friends. Thanks!”
“Jack Cousins has really moved heaven and earth to rush our mortgages through and help us secure our new home to be. We couldn't have asked for more! Highly recommended! Thank you Jack.”
“Fantastic experience working with Jack Cousins. Brilliant work as always in brokering mortgages. Highly recommended.”
“Service received was exceptional from Lockhart Murphy. Jack was timely with his response and very efficient. This was precisely what I needed to keep my mind at ease since there had been some delays with my remortgage process. All options discussed in…
Firm rating: 4.9/5 from 106+ Google reviews, as published by Lockhart Murphy. Checked 24 September 2026.
7 levels · 3 livesTap on gold. Climb the property ladder. Beat your best in Rate Lock.
Play Rate Lock ↗Free to play. Fictional rates and rewards.You do not need to have everything worked out. Follow the journey, get to grips with the costs and bring your questions to Jack.
Budget, deposit and a comfortable payment.
Viewings, an offer and the right checks.
From mortgage application to completion.
Start with the guide that fits your plans. You can contact me before every document is ready.
Buying a UK rental from abroad or moving back? Explore non-resident buy-to-let mortgages or returning expat mortgages.
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Short monthly news, official sources and practical questions for your next move.
That depends on the lender’s assessment of income, commitments, household spending, term and property. A borrowing calculator is only a planning illustration. An adviser can check current criteria and the evidence behind your figures.
Link to this answerPotential routes exist for UK expats, non-residents and some foreign-national buyers. The assessment normally begins with where you live, your nationality or status, how you earn, the deposit trail and whether the UK property will be a home, second home or investment.
Link to this answerYes. The scope of the mortgage advice and any adviser fee should be disclosed at the outset. Product, legal, valuation and other third-party charges are considered separately.
Link to this answerNo. An initial conversation is used to understand the objective and decide what evidence or further assessment may be needed. Fees, scope and the regulated advice process are explained before you decide whether to proceed.
Link to this answer