A commuter town
Thameslink services into St Pancras keep demand strong with London commuters. Being ready with an agreement in principle helps you move quickly when a home appears.
How we work with Luton buyers
No high-street office, just a trusted mortgage broker in Luton.
Fancy a chat?
No obligation. We’ll be in touch within one working day.
Thanks, request received.
We’ll be in touch within one working day.
Looking for a mortgage broker in Luton? City Mortgage Solutions doesn’t have an office in the town centre. What we do have is a whole-of-market advice team who work with Luton buyers every week, by phone, video and email, around your schedule.
The mortgage market is national, so the lenders and rates open to you are exactly the same as any local broker can access. What matters is the quality of the advice and knowing your market, and that works just as well over a video call.
Lenders compared
90+
Whole of market
Google rating
5.0
From UK-wide clients
Initial consultation
Free
No obligation
Appointments
Flexible
Evenings available
What clients say
Local buyers, advised remotely
Rated 5.0 on Google by clients across the UK, including these, who bought without us ever needing to be in the room.
Where our Luton clients buy
Across Luton and Bedfordshire
Select an area to see the kind of buyers we help there. Wherever you are, you get the same advice by phone or video.
Where we help
Town Centre
Town-centre flats and terraces, popular with first-time buyers and commuters using the fast line into London.
Luton market snapshot
The Luton market at a glance
A quick read on local prices to help you budget before you start viewing.
Average sold price~£290kLuton
First-time buyer~£255kTypical FTB price
Home-mover average~£330kTypical mover price
Typical flat~£185kTown flats
Indicative averages based on recent local market data. Please confirm current figures with ONS / HM Land Registry before publishing.
The advisers you'll work with
A dedicated team for your Luton move
You won't be passed around a call centre. You'll be matched to one of our experienced advisers and stay with them from first call to completion.
You’ll find Bhupinder in Rainham, Essex, advising people who are buying, moving or reviewing their mortgage.
WhatsApp
Nazir is our broker in Kingston upon Thames, with a dozen client reviews on our site.
WhatsApp
Sacchin helps buyers, movers and homeowners around Rainham in Essex with their next step.
WhatsApp
Sharon works mostly with home movers and families across Watford and Hertfordshire. More than 20 clients have reviewed her on our site.
WhatsApp
Zoe covers the Dengie Peninsula in Essex and has more than 40 client reviews on our site, the most of any of our brokers.
WhatsApp
Ozge is our Ilford broker, advising local clients on mortgages and protection.
WhatsAppEvery adviser is CeMAP-qualified and advises across the whole of the market by phone and video.
Simple from the first call
Luton advice, built around your day
Three clear steps, plain English throughout, and the same adviser from your first call to completion.
1
A free, no-obligation chat
Whether it's a first home in the town or a move out to Dunstable, we'll talk through your budget and the options, with evening slots available.
2
The whole market, compared
We compare more than 90 lenders, recommend the right fit in plain English, and arrange your agreement in principle so you're ready to offer.
3
Managed through to completion
We handle the paperwork, chase the lender for updates, and liaise with your solicitor right through to completion across Bedfordshire.
Local knowledge that matters
Buying in Luton: what we see in your market
From terraced first homes to new-build estates, with fast trains into London, we factor the local picture into your advice.
Stamp Duty (SDLT)
We'll estimate your Stamp Duty Land Tax, including first-time-buyer relief and the surcharge on second homes, as part of your total costs before you offer.
New build & shared ownership
Luton and Houghton Regis have plenty of new build and shared-ownership homes. These have their own lender criteria, and we match you to one that fits.
First-time-buyer value
Compared with London and the Home Counties, Luton offers relative value, which keeps the first-time-buyer market busy.
Why use a broker
One bank shows its own shelf. We compare the whole market.
Going direct to one lender is fine. It’s a single shelf. See what changes when our advisers work on your side.
With City Mortgage Solutions
Whole of market- Deals compared across 90+ lenders, including broker-only rates
- Advice on which lender suits your income, deposit and credit profile
- Agreement in principle before you offer, so you're ready to move fast
- Application managed end-to-end, alongside your solicitor and agent
- Protection reviewed alongside the mortgage, not as an afterthought
Going direct to one bank
- Only that bank's own products, however the wider market compares
- You self-select the lender before knowing if their criteria fit you
- Appointment lead times set by branch and call-centre availability
- Progress-chasing across bank, valuer and solicitor sits with you
- A declined application can leave a mark before you try elsewhere
Your home may be repossessed if you do not keep up repayments on your mortgage.
Access to over 90 lenders, including
Authorised and regulated by the Financial Conduct Authority
HalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensingtonHalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensington
Common questions
Luton mortgage questions, answered straight
No. We're a UK-wide brokerage rather than a high-street Luton office, and we work with buyers across the town and Bedfordshire every week by phone and video. Because the mortgage market is national, the lenders and rates open to you are exactly the same as a local broker's; what you get from us is the advice and the legwork.
Yes. It's how most of our Luton clients prefer to do it. Documents are shared securely online, appointments fit around work and family including evenings, and you keep the same adviser from start to finish.
Yes. We advise across Luton and Bedfordshire regularly, from first homes in the town to family houses in Stopsley and Bushmead, and out to Dunstable and Houghton Regis. Local prices, property types and commuter demand all feed into your advice.
Yes. Luton and Houghton Regis have plenty of new-build and shared-ownership homes, which carry their own lender criteria. We match you to a lender comfortable with the scheme and the build.
Your first consultation is free and without obligation. If a fee applies to your case, we explain it clearly and in writing before you commit to anything.
As a rule of thumb, four to four-and-a-half times your income, though deposit, credit history and affordability all matter. We'll confirm an accurate figure and arrange an agreement in principle, usually within a few working days.
Usually within 24 hours, by phone or video and including evenings, so you can have an agreement in principle ready before you start making offers.
Free, no-obligation consultation
Let’s find a time that works for you.
Tell us when suits and one of our advisers will be in touch within one working day, or message us on WhatsApp. Evening appointments available, around your schedule.
Thanks, request received.
An adviser will call you back within one working day.