Plan Ahead. Move Smoothly.
Buying a home in Kensington or Chelsea should be exciting, not stressful. One of the most important steps in ensuring a seamless purchase is organising your mortgage early. At tlc, we work with Capricorn Financial, one of London’s leading independent mortgage brokers, to help our buyers secure the best rates and remove unnecessary delays from the buying process.
Why Early Mortgage Preparation Matters
1. Speed and Confidence – Sellers take buyers more seriously when a mortgage agreement in principle (AIP) is already in place. It can strengthen your offer and reduce the risk of losing out on your dream home.
2. Smoother Sales Progression – Mortgage delays are one of the most common causes of property chains falling apart. Getting organised early helps your purchase move forward without unnecessary hold-ups.
3. Better Rates and Options – Capricorn Financial has access to thousands of mortgage products across high street banks and specialist lenders. Early conversations often mean more flexibility and better rates tailored to your circumstances.
4. Reduced Stress – With Capricorn’s team handling the details, you can focus on what matters, choosing your new home, while their experts manage the paperwork and lender negotiations.
Who Are Capricorn Financial?
Capricorn Financial is a leading London-based mortgage advisory firm with specialist expertise in prime and super-prime markets. They provide independent, whole-of-market advice, access to exclusive mortgage deals not always available to the public, expertise across residential, buy-to-let, and complex lending, and personalised guidance from first consultation to completion. tlc has worked closely with Capricorn for many years and consistently found their service to be professional, responsive, and efficient, mirroring our own approach to client care.
Ready to Get Started?
Secure your mortgage early and move forward with confidence. Speak with your tlc Consultant today for an introduction.
Make your next move with tlc: If you are considering selling in Earls Court, Kensington, or Chelsea, speak to the team that consistently achieves the highest results. Because when you choose tlc, you choose the market leader.
How tlc Can Help: At tlc Estate Agents, we are helping sellers across Kensington and Chelsea make the most of current market conditions. Our sales team is focused on achieving the strongest possible results through accurate pricing, expert marketing, and trusted local knowledge. Interested in a valuation of your property? Contact Toby today.
Interested in the timeline of a Sale? Click Here to read more.
Frequently Asked Questions:
1. When should I speak to a mortgage advisor? Ideally, as soon as you begin your property search. Having a mortgage in principle ready shows sellers you’re serious and financially prepared.
2. Do I have to use Capricorn Financial? Not at all. You’re welcome to choose any mortgage advisor, but we recommend Capricorn because of their excellent track record with tlc clients.
3. How long does the mortgage process take? Typically, from initial consultation to mortgage offer, the process takes between 2 and 4 weeks—though complex applications may take longer.
4. What documents will I need? You’ll need proof of identity, income, and deposit, as well as details of any existing financial commitments. Capricorn’s team will guide you through every step.
5. Can they help with buy-to-let or investment mortgages? Yes. Capricorn specialises in both residential and buy-to-let mortgages, including advice tailored for landlords and portfolio investors.
