A mortgage brief built around your property
Buying or refinancing in Richmond calls for a plan that covers the property and the household after the move. Jack can help prepare a mortgage brief around your proposed borrowing, income, deposit and timing. This page covers Richmond in south-west London and does not describe a separate local branch.
Use the exact address for environmental questions
General flood maps and the council’s strategic information are starting points, not a verdict on an individual house. Ask your conveyancer about the property-specific searches and any further reports needed. Consider the seller’s information, relevant history and the availability and terms of insurance. A postcode or distance from the Thames should not be used on its own to decide suitability.
Bring the property’s running costs into the budget
Alongside the proposed mortgage payment, consider insurance, maintenance, commuting, childcare and other regular commitments. For a flat, include leasehold and building costs. For a house needing work, identify immediate spending and the cash retained for unexpected repairs. The amount a calculator displays is only an initial estimate, not an affordability decision.
Plan around a linked sale rather than an assumed date
If the deposit depends on selling your current home, show the expected net proceeds after the mortgage and costs. Record the sale position and the dates that could move. A chain delay can affect accommodation, storage, product expiry or a proposed finance arrangement; it is better to raise these dependencies while the plan is still flexible.
For a remortgage, start with the existing agreement
Bring the outstanding balance, product end date and any intended change in borrowing or repayment term. Explain whether you expect to stay, move or undertake works. A comparison needs the actual options and costs when reviewed, including any relevant early-repayment charges, rather than an assumption that refinancing must save money.
What to prepare for the first conversation
- Exact address, listing, tenure and property investigations already obtained
- Proposed loan, price or estimated value, and existing mortgage details
- Deposit sources, linked-sale proceeds and target dates
- Household spending, insurance and a realistic maintenance reserve
An illustrative local borrowing brief
£825k mortgage proposal for a Richmond house
A fictional £1.1m Richmond purchase with £825k proposed borrowing, including address-specific flood information, insurance and moving costs.
Read the property and loan brief ↗Your questions, answered
Does a general flood map decide whether a Richmond property can be mortgaged?
No. General area information does not establish the risk or suitability of an individual property. The actual reports, insurance position, valuation and mortgage assessment need to be considered.
Can you help with a Richmond purchase in a chain?
Yes, the linked sale and purchase can form part of the discussion. Explain the existing debt, expected equity, dates and any contingency. No completion date or temporary-finance solution is guaranteed.
Working with Jack from this part of London
Jack is based in London and initial appointments can begin by phone or video. This page describes an area served, not a separate branch office. Mortgage and protection advice is provided through Mortgage Force (UK) Ltd. Fees and the scope of the service are explained before you proceed. An initial discussion is not a mortgage offer.
Local and independent starting points
Sources checked 10 November 2026. Use the exact property address and obtain the appropriate professional assessment.
Prepared for Jack Cousins, Head of Mortgages at Lockhart Murphy. Updated 10 November 2026.
About Jack · How site content is prepared · Fees and service details