London property prices can make affordability, deposit size and monthly repayments especially important when comparing mortgages. Lenders usually assess your income, outgoings, credit history and other debts, and may apply their own criteria to flats, leaseholds or properties in specific areas. Check the full cost, including arrangement fees, valuation, legal work, stamp duty and any service charges. An FCA-authorised mortgage broker can explain suitable options, while the official GOV.UK guidance can help you check stamp duty rules.