A Thames Valley jobs hub
Reading's tech and business base, with fast Elizabeth line and rail links to London, keeps demand high. A ready agreement in principle helps you compete.
How we work with Reading buyers
No high-street office, just a trusted mortgage broker in Reading.
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 Reading? 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 Reading 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 Reading clients buy
Across Reading and Berkshire
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 and riverside apartments, popular with professionals and commuters on the Elizabeth line and mainline to London.
Reading market snapshot
The Reading market in numbers
A quick read on local prices, useful in a higher-value Thames Valley market.
Average sold price~£360kReading
First-time buyer~£300kTypical FTB price
Home-mover average~£420kTypical mover price
Typical flat~£235kTown 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 Reading 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.
Leanne advises on mortgages and protection in Upminster, with more than 10 client reviews on our site.
WhatsApp
Stephen is our Hornchurch broker, working with local buyers, movers and homeowners.
WhatsApp
Tracy has over 20 years in financial services, including 13 at Barclays, and advises on mortgages and protection across Chelmsford, mid-Essex and the wider UK.
WhatsApp
Greg covers Kent from Rainham. Home movers, landlords and remortgages make up much of his work.
WhatsApp
From Maldon, Martin covers the Blackwater villages for buyers, movers and landlords. 30 client reviews on our site so far.
WhatsApp
Stuart is our broker in Hadleigh, with more than 25 client reviews on our site.
WhatsAppEvery adviser is CeMAP-qualified and advises across the whole of the market by phone and video.
Simple from the first call
Reading advice, on your schedule
Three simple steps, jargon translated, and one adviser who stays with you from first call to completion.
1
A free intro call or video
A first flat near the centre or a family move to Caversham? We'll talk through your budget and options, with no obligation and evening slots available.
2
Whole-of-market search
We compare more than 90 lenders, recommend the right one in plain English, and arrange your agreement in principle so you can move quickly in a competitive market.
3
Managed through to completion
We handle the paperwork, chase the lender for updates, and liaise with your solicitor right through to completion across Berkshire.
Local knowledge that matters
Buying in Reading: what we see in your market
From riverside apartments to family homes in the suburbs, in a busy Thames Valley jobs market, 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.
Professionals & contractors
Many local buyers are contractors or have complex income. Lenders treat day rates and bonuses differently, and we match you to one that reads your income the right way.
Higher values, flats & houses
Reading sits above the national average, with everything from town-centre flats to family homes. Getting the right lender and a realistic budget matters.
Why use a broker
A single lender shows its range. We show the whole market.
Going direct isn't wrong. It’s one lender’s shelf, which matters in a higher-value market. See what changes with our advisers 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
Reading mortgage questions, answered straight
No. We're a UK-wide brokerage rather than a high-street Reading office, and we advise buyers across the town and Berkshire every week by phone and video. The mortgage market is national, so your lenders and rates are the same as any local broker's; the difference is the quality of advice.
Yes. Most Reading clients prefer it now. You share documents securely online, book appointments around work including evenings, and deal with the same adviser throughout.
Yes. We advise across Reading and Berkshire, from town-centre and riverside flats to family homes in Caversham, Earley and Woodley, and out to Wokingham. Local prices, property types and demand feed into your advice.
Yes. With a strong Thames Valley jobs market, many local buyers are contractors or have complex income. Lenders treat day rates and bonuses very differently, and knowing which one suits your income is where whole-of-market advice earns its keep.
Your first consultation is free and without obligation. Any fee on your case is explained clearly and in writing before you commit.
Typically four to four-and-a-half times income, with deposit, credit and affordability all playing a part. We'll give you an accurate figure and an agreement in principle, usually within a few working days.
Usually within 24 hours, by phone or video and including evenings, so you're offer-ready when the right Reading home appears.
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.