Discover the quirkier side of London. P14
Pubs & live music
Discover a wide range of local activities, cultural events, recreational opportunities and entertainment options! P22
Here are some of the different types of mortgages available. P32 Adding value to your home
Six proven strategies to boost your home’s value. P36
6
Our Corner of London
Living in Prime Central London (PCL)offers a unique combination of prestige, luxury, convenience, and cultural richness that appeals to high-net-worth individuals, international buyers, and those seeking a dynamic, world-class urban lifestyle.
14
Discover the quirkier side
Beyond the familiar bustle of Oxford Street and the glitter of the Square Mile lies a quieter, quirkier side of London waiting to be discovered. From centuries-old courtyards tucked behind modern towers to candlelit wine cellars, secret gardens, and tiny theatres that whisper of another era.
22 32
Entertainment
Pubs & Live Music
Whether you’re looking for a pub or bar to play darts, somewhere to play pool or just want to have a look at a menu before you go, please check our picked list below.
Mortgage Puzzle
In the UK, obtaining a mortgage is the most common method for individuals to purchase property. Mortgages come in various types, each with its own terms, conditions, and repayment structures tailored to suit different financial situations and preferences.
18
Best Local Restaurants
Find local food venues and restaurants that are loved by foodies throughout the neighbourhood – from all-day dining hotspots and cosy gastropubs, to local Japanese restaurants, Instagrammable brunch favourites and unique eateries.
36
7 Great Strategies
In the realm of real estate, adding value to your home is not just about sprucing up its appearance; it’s an investment that can yield significant returns when done strategically.
EDITORIAL
Work-Haus
ADVERTISING
Simon Peacock
Brigita Butvila 2BDesigner
Donna Billsborrow
Winkworth Magazine is published by Work-Haus Limited. Nothing in this magazine can be reproduced in whole or part without the express permission of the publishers. Transparencies or any other material submitted for publication or any other material are sent at the owner’s risk and while every care is taken. Work-Haus has endeavoured to ensure that all the information in this magazine is accurate at the time of going to press, however prices and details may be subject to change.
Dear Homeowner,
For over three decades, Winkworth Clerkenwell & City and West End has been helping people find their place in two of London’s most distinctive neighbourhoods. Founded by Charles Peerless, our team brings together decades of collective experience with some of our sales agents having been part of the Winkworth network for over 25 years. We know these areas intimately because we’ve watched them evolve. From the creative energy of Clerkenwell’s cobbled streets, where warehouse conversions sit alongside Georgian terraces, to the glittering lights and hidden historic lanes of the West End, we understand what makes each neighbourhood unique.
Clerkenwell, tucked between the West End and the Square Mile, has transformed from its monastic and industrial past into a haven for architects, designers, and food lovers. It’s a place where character runs deep, yet everything you need is minutes away.
The West End, meanwhile, offers that rare central London lifestyle: the energy of world famous landmarks like Covent Garden’s theatres, the British Museum, and Soho’s vibrant streets, balanced by quiet Georgian squares and historic lanes that make it home.
Whether you’re a first-time buyer, seasoned investor, or searching for your dream home, our sales and lettings teams bring the local knowledge and personal service that only comes from three decades in these neighbourhoods.
Warm regards,
Winkworth West End, Clerkenwell and City
Winkworth agents love what they do and pride themselves on having a unique perspective on the entire process of matching people with homes. From the little things we see that others miss, to the neighbourhoods we know like the back of our hands. Because where others see customers, we see people. And where others see houses, we see homes.
Our business model means each and every agent is an established and independent professional in their neighbourhood, making us uniquely positioned to offer you, our clients, a more in-depth and insightful experience.
Charlotte Street, W1T
£720,000 Leasehold
A beautifully presented one bedroom first floor apartment with direct access to an impressive private roof terrace set in a period building in Charlotte Street.
KEY FEATURES
• First Floor Property
• Flat/Apartment
• Roof Terrace
• Period Design
• 548 Square Feet
The flat is in excellent order throughout and comprises of an entrance hall, a comfortable dual-aspect reception/diner with impressive ceiling height and views down onto Charlotte Street, a double bedroom with direct access to the roof terrace and a shower room. The property has a nice, comfortable and airy feel with excellent natural light.
Charlotte Street is an iconic location famed for its Hotel and Restaurants that define Fitzrovia living. The location gives excellent access to the West End, Marylebone, the major rail termini, UCL, UCH and the many dining, entertainment and retail opportunities that The West End has to offer. The nearest Underground stations are Goodge Street and Tottenham Court Road.
Living in Prime Central London offers a unique combination of prestige, luxury, convenience, and cultural richness that appeals to high-net-worth individuals, international buyers, and those seeking a dynamic, world-class urban lifestyle. Central London has dozens of globally recognised landmarks, but has many more places you may not be aware of.
The City of London, Clerkenwell, and the West End stand at the heart of the UK’s professional landscape. The City retains its global status as a financial centre, where centuries of heritage meet cutting-edge commerce. Just to the west, Clerkenwell has evolved into a magnet for design firms, architects, and creative specialists, while the West End continues to attract major media, theatre, and entertainment enterprises. Together, these districts form a powerful ecosystem where careers can flourish across a wide spectrum of industries.
This professional mix is reinforced by excellent connectivity. Underground links, Crossrail, and walkable streets ensure that professionals move seamlessly between offices, meetings, and client destinations. For residents, the proximity to such a rich network of opportunities means that career progression and a vibrant urban lifestyle can sit comfortably side by side.
The West End is globally renowned for retail, from the flagship stores of Oxford Street to the luxury boutiques of Bond Street and Mayfair. Clerkenwell contributes a more independent
flavour, with design showrooms and niche retailers reflecting its heritage as a centre for craftsmanship. The City, while traditionally more businessfocused, now hosts a growing number of retail destinations that cater to professionals and visitors alike, balancing convenience with quality.
Dining across these areas is equally diverse. Michelin-starred restaurants in the West End sit alongside Clerkenwell’s food markets and innovative eateries, while the City has seen a surge in high-quality dining tailored to both fast-paced business lunches and after-hours socialising. The range on offer ensures that whether residents are looking for fine dining or casual neighbourhood cafés, the choice reflects the cosmopolitan nature of central London living.
Few parts of London can rival the cultural depth of the West End. Theatreland remains a world leader in performance, while museums, galleries, and concert halls offer yearround enrichment. Clerkenwell, with its design festivals and creative studios, provides a more experimental cultural
offering, often rooted in local community initiatives. Meanwhile, the City’s historic landmarks — from St Paul’s Cathedral to the Barbican Centre — add gravitas to the cultural map, blending heritage with contemporary art and performance.
Lifestyle amenities extend into green spaces and wellness facilities. Lincoln’s Inn Fields and Clerkenwell Green provide moments of calm amid the urban intensity, while members’ clubs, gyms, and wellness studios reflect the professional community’s appetite for balance. The result is an environment where work, culture, and wellbeing are integrated seamlessly into daily life.
Residential property across the City, West End, and Clerkenwell has long been regarded as both desirable and resilient. In the West End, elegant Georgian and Victorian townhouses stand alongside exclusive new developments, attracting a mix of international buyers and long-term Londoners. Clerkenwell offers warehouse conversions and contemporary apartments that appeal strongly to design-conscious residents and professionals seeking character combined with modern living. In the City, a growing number of high-spec apartments cater to those who want to live at the heart of the financial district.
Investment values across these neighbourhoods benefit from a global reputation for stability. Strong rental demand, particularly from professionals working in nearby industries, provides consistent yields. At the same time, limited supply in such central areas supports long-term capital growth. For investors and residents alike, these locations represent some of the most secure and prestigious property opportunities in London.
The City of London continues to anchor global finance, housing banks, law firms, and insurance institutions that set the pace of international commerce. Its concentration of expertise makes it one of the world’s most influential business hubs. Just beyond, Clerkenwell has established itself as a centre of creativity and innovation, with design agencies,
media firms, and start-ups energising its commercial scene. This contrast highlights the strength of central London’s economy — diversity in industry, united by location.
The West End adds a further dimension as a hub for theatre, media, and the wider creative industries. From international advertising agencies to film companies, it plays host to enterprises that shape culture as much as commerce. Together, these districts support an unusually wide range of professional communities, ensuring that the area remains a magnet for talent and investment across multiple sectors.
0207 139 5130 | 01242 323480
PAUL@BRICK2BRICKMS.CO.UK
BRICK2BRICKMS.CO.UK
Brick2Brick was established in 2019 with a simple mission: to make the mortgage process more personal, transparent, and effective. Based in the City of London, we’ve grown into a trusted brokerage known for our hands-on approach, fast turnaround, and tailored advice.
As a whole-of-market, independent firm, we work with nearly 100 lenders — from high street banks to specialist providers — to find the right solution for first-time buyers, seasoned investors, and everyone in between.
What sets us apart is service. We don’t just chase approvals; we build relationships. We act quickly, keep clients and agents informed, and seek savings even after the offer is issued. Whether securing a better rate before exchange or structuring investor portfolios, we go beyond the basics.
When a client reaches out, we start by listening. We explore their goals — buying, investing, or remortgaging — and complete a detailed fact-find to assess affordability, deposits, and realistic property values.
Next, we secure a Decision in Principle (DIP), proving the client is financially qualified. With the DIP, they can confidently view properties. Once an offer is accepted, we recommend the best mortgage product, request documents, and submit the full application.
We also coordinate with conveyancers — either from our trusted panel or via Winkworth — to keep the process smooth. The lender then reviews, values, and underwrites before issuing a formal mortgage offer.
Our job doesn’t stop there: if rates drop before exchange, we re-check options to ensure clients pay as little as possible.
Helping first-time buyers is especially rewarding. I’ve guided thousands from their initial affordability checks to getting their keys. We also share podcasts on our website to prepare clients for the journey. Anyone seeking guidance can contact us on 0207 139 5130, enquiries@brick2brickms. co.uk, or follow our socials.
Whether you’re a first-time landlord or a seasoned investor, we have experience across standard and complex cases, including limited companies and HMOs. We understand property investment is about building wealth strategically. We help investors identify opportunities, structure financing, and make informed decisions backed by data and experience.
£800 pw (£3,466.66 pcm) Furnished
Boasting its own private and secure entrance, this impressive apartment immediately sets a tone of exclusivity and peace of m ind. Spanning over 900 sq. ft, the thoughtfully designed interior features an extra-large main bedroom with convenient built-in wardrobes, complemented by a further good-sized double bedroom, providing ample personal space. The modern and clean bathroom suite offers a sleek and functional sanctuary. The heart of this home is undoubtedly its impressive kitchen, fully equipped with integrated appliances and a practical dishwasher, poised for culinary creativity. Adjacent to this, a large, wonderfully sunny reception room provides an inviting space for relaxation and entertaining. Further benefits include elegant floorboards thoughtfully laid throughout and generous amounts of storage, ensuring a clutter-free and sophisticated living environment in one of London's most sought-after garden squares.
Clerkenwell and City
Farringdon, Moorgate, Old Street, Bank, Kings Cross, Barbican and City of London 020 7405 1288 | clerkenwell@winkworth.co.uk
£646.15 pw (£2,800 pcm) Furnished
Recently refurbished to an exceptional standard, the property seamlessly blends period charm with contemporary luxury. Upon entry, a bespoke, fully equipped kitchen takes centre stage, boasting integrated appliances and a generous breakfast island, perfect for both culinary pursuits and casual dining. Adjacent to this, a bright reception room offers an inviting space for relaxation and entertaining. The double bedroom, thoughtfully positioned at the rear of the flat to ensure quietness, features practical built-in wardrobes, while a modern shower room completes the wellappointed layout. Further enhancing its appeal, the apartment benefits from elegant floor-to-ceiling windows that flood the space with natural light, alongside secure intercom entry and charming period features throughout.
Clerkenwell and City
Farringdon, Moorgate, Old Street, Bank, Kings Cross, Barbican and City of London 020 7405 1288 | clerkenwell@winkworth.co.uk
£2,000,000 Leasehold
This large apartment is situated on the third floor of this lift serviced warehouse conversion and offers more than 1600sq ft. The Paramount is located on St John Street, in Clerkenwell, which is one of London's most sought after and fashionable locations with easy access to both The City and West End. This really is one of the most astounding loft apartments that Clerkenwell has to offer. The apartment has the benefit of a large living space with east facing floor to ceiling windows that open on to two private balconies. The apartment further benefits from two bathrooms and a large entrance hall. The famous Exmouth Market, with its cafes, bars and restaurants, is also only a short walk away.
Clerkenwell and City
Farringdon, Moorgate, Old Street, Bank, Kings Cross, Barbican and City of London 020 7405 1288 | clerkenwell@winkworth.co.uk
£1,500,000 Freehold
A unique and outstanding Grade II Listed Georgian town house close to Exmouth Market. This interior designed property, set over four floors, has been meticulously and tastefully refurbished to a high standard. The house retains many original features while incorporating modern living with aspects such as built in speakers/Sonos systems throughout as well as a cinema room on the lower floor. The exceptionally bright and opulent conservatory style extension at the rear makes for a wonderful entertaining space. Set behind the original shop frontage is an open plan kitchen-diner on the ground floor. On the first floor is a family bathroom and master bedroom with floor to ceiling windows; on the second are two further bedrooms.
Clerkenwell and City
Farringdon, Moorgate, Old Street, Bank, Kings Cross, Barbican and City of London 020 7405 1288 | clerkenwell@winkworth.co.uk
OUR PICK OF THE BEST HIDDEN GEMS
Beyond the familiar bustle of Oxford Street and the glitter of the Square Mile lies a quieter, quirkier side of London waiting to be discovered.
Sir John Soane’s Museum (Holborn)
A historic townhouse packed with art, antiquities, and architectural curiosities, left exactly as Soane designed it. www.soane.org
Postman’s Park (St Paul’s)
A peaceful garden with poignant memorials to ordinary people who died while saving others. www.cityoflondon.gov.uk/thingsto-do/city-gardens/find-a-garden/ postmans-park
St Bartholomew-the-Great (Smithfield)
A Norman church founded in 1123, famed for its medieval architecture and film appearances. www.greatstbarts.com
The Charterhouse (Charterhouse Square)
Once a monastery, then a Tudor mansion, now a fascinating museum and almshouse. www.thecharterhouse.org
Leather Lane Market (Holborn)
A bustling weekday market known for its diverse street food and lively atmosphere. www.visitlondon.com/things-to-do/ place/35656321-leather-lane-market
Cecil Court (Covent Garden)
A picturesque street lined with antiquarian bookshops and print dealers. www.cecilcourt.co.uk
Seven Dials Sundial Pillar (Covent Garden)
A striking 17th-century monument at the convergence of seven streets. www.sevendials.com/the-sundialpillar/the-original-seven-dials-sundialpillar
Lincoln’s Inn Fields (Holborn)
London’s largest public square, surrounded by legal chambers and historic buildings. www.cityoflondon.gov.uk/things-todo/green-spaces/lincolns-inn-fields
Smithfield Rotunda Garden (City)
A small landscaped park above the Farringdon Crossrail interchange. www.cityoflondon.gov.uk/thingsto-do/city-gardens/find-a-garden/ smithfield-rotunda-garden
Hunterian Museum (Lincoln’s Inn Fields)
A free museum of surgery and anatomy within the Royal College of Surgeons. www.hunterianmuseum.org
St Bride’s Church (Fleet Street)
Known as the “Journalists’ Church,” with a spire said to have inspired tiered wedding cakes. www.stbrides.com
Gray’s Inn Walks (Holborn)
Elegant 17th-century gardens, open seasonally, offering tranquillity in the city. www.graysinn.org.uk/the-inn/theestate/the-walks
Northumberland Avenue, WC2N
£1,650 pw (£7,150 pcm) Furnished
This truly exceptional first-floor maisonette offers approximately 3,681 square feet of beautifully presented living space within a stunningly redeveloped period building dating back to around 1868. Thoughtfully designed to combine historic grandeur with modern luxury, the apartment features three generously sized double bedrooms and has been finished to an outstanding decorative standard throughout.
1 3 3
Accessed through a grand private entrance, the property impresses with a sweeping marble staircase accented by chrome and contemporary lighting. The first-floor landing opens to a vast, curved open-plan reception room, providing an exceptional space for both entertaining and everyday living. A separate, fully equipped modern kitchen is finished with sleek granite work surfaces and high-quality integrated appliances.
The principal suite is grand in scale, featuring a hotel standard ensuite bathroom and an expansive walk-in wardrobe offering extensive storage. The additional two double bedrooms are reached via a striking decorative hallway, each boasting built-in wardrobes and their own ensuite facilities. There is also a guest cloakroom, and underfloor heating is installed t hroughout the apartment for added comfort.
Perfectly located on Northumberland Avenue in the heart of the West End, this residence connects the sophisticated elegance of Mayfair and the open spaces of St James’s Park with the dynamic vibrancy of Soho and the renowned theatres, boutiques, and attractions of Covent Garden and Theatreland. Trafalgar Square and the River Thames are just moments away.
The Wolseley (Piccadilly)
OUR PICK OF THE LOCAL RESTAURANTS
It would be a cliché to say Central London had an over-abundance of incredible places to eat and recipes and ingredients from every corner of the world, but it would also be true. Here’s a snapshot of just a few Winkworth favourites.
A grand café in the European tradition, celebrated for its all-day dining. From elegant breakfasts and afternoon teas to refined evening meals, it’s a place where glamour meets comfort. Its soaring ceilings, marble pillars, and art-deco design make it one of London’s most iconic dining rooms.
www.thewolseley.com
Barrafina (Soho)
Counter-top dining at its most authentic. Barrafina’s open kitchen serves up exquisite Spanish tapas made with the freshest seasonal ingredients. Expect dishes like chorizo, croquetas, and razor clams, all enjoyed in a lively and convivial atmosphere. www.barrafina.co.uk
Kiln (Soho)
Inspired by the rural cooking of Northern Thailand, Kiln is renowned for its fiery flavours and unique methods, using clay pots, wood grills, and woks over flames. Its ever-changing menu and Bib Gourmand recognition make it both rustic and inventive. www.kilnsoho.com
Bob Bob Ricard (Soho)
Glamorous, decadent, and playful, Bob Bob Ricard is famous for its “Press for Champagne” buttons at every table. Offering Anglo-Russian dishes in art-deco splendour, it delivers indulgence with a touch of theatre.
www.bobbobricard.com/soho
Rules (Covent Garden)
London’s oldest restaurant, established in 1798, Rules is steeped in history. It specialises in traditional British cuisine, particularly game, oysters, and hearty puddings, served in richly decorated, atmospheric rooms.
www.rules.co.uk
The Palomar (Soho)
A vibrant dining spot inspired by Jerusalem’s culinary scene, The Palomar serves modern Middle Eastern dishes bursting with spice and flavour. With its open kitchen and buzzing bar, it’s intimate, lively, and stylish.
www.thepalomar.co.uk
Dishoom (Covent Garden)
Inspired by the Irani cafés of Bombay, Dishoom combines nostalgia with outstanding Indian cooking. Its signature dishes, from black daal to bacon naan rolls, are served in a warm, welcoming space full of character and charm. www.dishoom.com
St. JOHN (Smithfield)
A pioneer of nose-to-tail dining, Fergus Henderson’s St. JOHN is a landmark of modern British cuisine. With an emphasis on simple, honest cooking and seasonal ingredients, it has influenced chefs across the globe. www.stjohnrestaurant.com
Moro (Exmouth Market)
A Clerkenwell institution blending Spanish and Moorish influences. Its open kitchen, wood-fired oven, and rustic atmosphere make it a favourite for mezze, slow-cooked lamb, and inventive desserts. www.moro.co.uk
Luca (Clerkenwell)
Serving refined Italian food with a modern London sensibility, Luca is renowned for handmade pasta, exceptional produce, and sophisticated design. Perfect for both special occasions and relaxed dining with flair. www.luca.restaurant
The Quality Chop House (Farringdon)
Established in 1869, this historic restaurant offers traditional British dishes in a beautifully preserved dining room. Its legendary confit potatoes and hearty seasonal menus are the stuff of culinary legend. www.thequalitychophouse.com
Angler (Moorgate)
A Michelin-starred seafood restaurant on the top floor of the South Place Hotel. Its refined plates showcase the very best British fish and shellfish, paired with cityscape views and sleek, contemporary interiors. www.anglerrestaurant.com
CEO
OFFICE@365BUILDINGSOLUTIONS.COM
MOBILE: 07745463678 OFFICE: 020 3794 9375
WWW.365BUILDINGSOLUTIONS.COM
Our company is built on three generations of family heritage in stone masonry and construction. What began with our grandfather’s craftsmanship has evolved into a blend of traditional skill and modern innovation, rooted in a longstanding commitment to excellence.
Our customer process is collaborative and personalised—we work closely with each client from initial planning and design through to the final finishing touches, ensuring every detail reflects their vision. It’s not just about building structures, but creating lasting spaces with care, precision, and pride.
Property investors should appoint 365 because our three generations of expertise ensure unmatched craftsmanship, reliable project delivery, and long-lasting value built on tradition, precision, and trust. We treat every project as a legacy, committed to quality that endures and investment returns that stand the test of time.
I most enjoy the journey of working with clients—meeting new people, understanding their vision, and guiding them from the very first concept to the
final result. Seeing their satisfaction and knowing we’ve created something beautiful, solid, and lasting is incredibly rewarding.
l Residential & Basement Construction
l Planning & Project Management
l Interior Design & Fit Out
With our strong heritage, our knowledge and expertise extend far beyond construction. No matter the size of the project, we manage the entire journey... from planning permission and design, to identifying and resolving complex challenges, All the way to the final finishing touches.
OUR PICK OF THE LOCAL PUBS
Since the days of Swinging London in the 1960s, and the pub rock era of the 70s, our city has always been a cauldron of live music and creativity. The bigger venues are all well known and easy to find now, but here are a few local venues where you may discover the next up-andcoming Amy Winehouse, Stormzy or Dua Lipa.
Ronnie Scott’s (Soho)
One of the world’s most famous jazz clubs, hosting top international performers since 1959. www.ronniescotts.co.uk
100 Club (Oxford Street)
Historic basement venue showcasing legendary acts from punk to modern indie. www.the100club.co.uk
Fabric (Farringdon)
World-renowned nightclub with cutting-edge electronic music and iconic sound systems. www.fabriclondon.com
The French House (Soho)
A quirky pub famous for half-pints, artists, and theatre folk. www.frenchhousesoho.com
Ye Olde Cheshire Cheese (Fleet Street)
A maze-like 17th-century pub, rebuilt after the Great Fire, with literary history. www.ye-olde-cheshire-cheese.co.uk
The Lamb & Flag (Covent Garden)
A 17th-century pub once known for prize fights; today, a cosy spot for pints. www.lambandflagcoventgarden. co.uk
The Harp (Chandos Place)
Award-winning alehouse with stained glass windows and excellent cask ales. www.harpcoventgarden.com
The Jerusalem Tavern (Clerkenwell) Atmospheric pub dating to the 14th century, now serving St Peter’s beers. www.stpetersbrewery.co.uk/ jerusalem-tavern
The Sekforde (Clerkenwell)
A beautifully restored Georgian pub offering craft beer and locally sourced dining.
www.thesekforde.com
The Old Bank of England (Fleet Street)
A grand Victorian pub in the former bank building, with ornate interiors. www.mcmullens.co.uk/local-pub/ old-bank-of-england
The Toucan (Soho)
A tiny basement bar dedicated to Guinness and Irish whiskey. www.thetoucanbar.com
The Piano Works (Farringdon)
A live music venue where musicians only play songs requested by the audience. www.pianoworks.bar
Wilmington Square, London, WC1X
£646.15 pw (£2,800 pcm) Furnished
Recently refurbished to an exceptional standard, the property seamlessly blends period charm with contemporary luxury.
Clerkenwell & City
020 7405 1288 | clerkenwell@winkworth.co.uk
Upon entry, a bespoke, fully equipped kitchen takes centre stage, boasting integrated appliances and a generous breakfast island, perfect for both culinary pursuits and casual dining. Adjacent to this, a bright reception room offers an inviting space for relaxation and entertaining.
The double bedroom, thoughtfully positioned at the rear of the flat to ensure quietness, features practical built-in wardrobes, while a modern shower room completes the well-appointed layout. Further enhancing its appeal, the apartment benefits from elegant floor-to-ceiling windows that flood the space with natural light, alongside secure intercom entry and charming period features throughout.
Beyond the property itself, Wilmington Square's enviable location provides unparalleled access to the vibrant Exmouth Market, Rosebery Avenue, and the renowned Sadler's Wells Theatre. Excellent transport links connect residents effortlessly to Clerkenwell, Farringdon Road, Angel, Upper Street, the bustling City, and the cultural heart of the West End, making it an ideal urban sanctuary.
TELL US A LITTLE ABOUT THE BACKGROUND OF YOUR COMPANY.
Kite Mortgages was founded to make the mortgage experience simpler, clearer and far less stressful. Many buyers find the process confusing, especially with so many lenders, rules and rates to navigate. We wanted to change that.
Based locally, with a strong understanding of the City of London and West End markets, we help everyone from first-time buyers to busy professionals and experienced investors. With access to a wide panel of lenders — high street banks, private lenders and specialists — we aim to find solutions tailored to each client’s needs.
Over time, our reputation has grown because we are reliable and easy to work with. We communicate quickly, stay transparent and do exactly what we promise. That combination builds confidence at what can be an emotional and high-pressure moment in someone’s life.
IS YOUR CUSTOMER PROCESS?
We believe the journey should feel straightforward. It begins with
a conversation, often a relaxed chat, to understand your plans and the type of property you have in mind. Once we know your goals, we research the market and come back with mortgage options that genuinely fit.
Our role is to explain everything clearly, without jargon, so you feel informed and in control from the start. After choosing the best option, we handle the paperwork, liaise with lenders and keep your application progressing. Regular updates make sure nothing feels unclear or uncertain. The aim is simple: a smooth, stress-free experience that lets you focus on the excitement of moving.
3. WHY SHOULD PROFESSIONALS AND HOMEBUYERS CHOOSE KITE MORTGAGES?
We like to let our clients answer that. The feedback we receive most often mentions speed of communication, clarity of advice and a sense of relief knowing someone is managing the detail. Many of our clients live busy lives and value having experts who can move things forward even when they can’t.
That personalised approach, combined with strong lender
relationships, gives buyers confidence that they are securing the right mortgage for their circumstances.
WHAT ASPECT OF YOUR WORK DO YOU MOST ENJOY?
Helping people reach their goals truly motivates us. Seeing a first-time buyer collect their keys or a growing family move into a space that fits their future is always rewarding. We also enjoy the problem-solving element. London’s market can be complex, and finding solutions others may overlook keeps every day interesting.
At Kite Mortgages, we want every homebuyer to feel supported, informed and excited for the next stage of their property journey.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
£1,730.77 pw (£7,500 pcm) Furnished
A highly anticipated and luxurious two double bedroom, two bathroom, situated on the second floor, within the prestigious Lincoln Square development. Positioned on the second floor overlooking a smart period building on Portugal Street, the property benefits from an abundance of natural light. Finished to an immaculate standard featuring engineered timber flooring, stone worktops and stunning furnishings, this property is set at a superior standard. Residents of Lincoln Square will enjoy over 197,000 sq. ft of amenities, including a 24-hour concierge service, 25 metre pool with linked vitality pool, private dining rooms, gym, residents lounge, cinema, kids soft play area and access to 6000 sq. ft landscaped private gardens.
West End
Bloomsbury, Fitzrovia, Soho, Covent Garden and Holborn 020 7240 3322 | westend@winkworth.co.uk
£1,650 pw (£7,150 pcm) Furnished
This truly exceptional first-floor maisonette offers approximately 3,681 square feet of beautifully presented living space within a stunningly redeveloped period building dating back to around 1868. Thoughtfully designed to combine historic grandeur with modern luxury, the apartment features three generously sized double bedrooms and has been finished to an outstanding decorative standard throughout. Accessed via an imposing private ground floor entrance, the property immediately impresses with its sweeping marble staircase, accented by elegant chrome metalwork and contemporary lighting, setting the tone for the refined interiors beyond.
West End
Bloomsbury, Fitzrovia, Soho, Covent Garden and Holborn 020 7240 3322 | westend@winkworth.co.uk
£720,000 Leasehold
A well-presented one-bedroom first-floor apartment with direct access to a large private roof terrace, set in a period building on Charlotte Street. The property is in excellent condition and features an entrance hall, a bright dual-aspect living/dining room with high ceilings and views over Charlotte Street, a double bedroom opening onto the terrace, and a modern shower room. modern shower room. Light and airy throughout, the flat offers a comfortable living space in the heart of Fitzrovia. Charlotte Street is known for its vibrant restaurants and hotels, with easy access to the West End, Marylebone, UCL, UCH, and major transport links. Nearest Underground stations: Goodge Street and Tottenham Court Road
West End
Bloomsbury, Fitzrovia, Soho, Covent Garden and Holborn 020 7240 3322 | westend@winkworth.co.uk
The Old School, London, WC1R
£1,250,000 Leasehold
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An engaging and comfortable three bedroom, two bathroom duplex flat with double height reception and a patio garden all in very good order, set in this well regarded Victorian school conversion quietly located between Red Lion Square and Bedford Row, Bloomsbury. The apartment is on the ground and first floors of the original Victorian school building. There are three double bedrooms one of which is currently used as a study and two bathrooms, one of which is en suite. A double height reception room with overlooking mezzanine level creates a striking feeling of light and space. Off the reception is the conservatory which leads onto a charming patio garden.
West End
Bloomsbury, Fitzrovia, Soho, Covent Garden and Holborn 020 7240 3322 | westend@winkworth.co.uk
In the UK, obtaining a mortgage is the most common method for individuals to purchase property. Mortgages come in various types, each with its own terms, conditions, and repayment structures tailored to suit different financial situations and preferences. Here are some of the different types of mortgages available.
A fixed-rate mortgage offers borrowers the stability of having the same interest rate for a set period, typically ranging from two to ten years. Regardless of fluctuations in the market interest rates, the borrower’s monthly repayments remain consistent. This provides certainty and makes budgeting easier for homeowners. However, fixed-rate mortgages often come with higher initial interest rates compared to variable-rate mortgages. Variable rate mortgages, also known as adjustable-rate mortgages
fluctuates, the interest rate on the mortgage adjusts accordingly. Tracker mortgages typically offer lower initial interest rates than fixed-rate mortgages, but borrowers should be prepared for potential increases in monthly repayments if the base rate rises.
Discount mortgages offer borrowers a discount on the lender’s standard variable rate for a set period, typically two to five years. The discount is usually expressed as a percentage below the lender’s standard variable rate. While borrowers benefit from lower initial interest rates during the discount period, their monthly repayments can increase once the discount
It’s essential for borrowers to carefully consider their financial situation, long-term goals, and risk tolerance when selecting the most suitable mortgage type for their circumstances.
period ends and the mortgage reverts to the lender’s standard variable rate.
(ARMs), have interest rates that can fluctuate over the loan term based on changes in the lender’s standard variable rate or another benchmark rate, such as the Bank of England’s base rate. Borrowers may benefit from lower initial interest rates compared to fixed-rate mortgages, but their monthly repayments can increase or decrease depending on market conditions. This type of mortgage may suit those who are comfortable with potential fluctuations in their monthly payments.
Offset mortgages allow borrowers to link their mortgage account to their savings or current account. The balance in these accounts is offset against the outstanding mortgage balance, reducing the amount of interest charged on the mortgage. Borrowers continue to have access to their savings and can withdraw funds as needed. Offset mortgages can help borrowers reduce the overall interest they pay over the loan term and potentially shorten the mortgage term.
on the loan each month, not the capital. This leads to lower monthly payments compared to repayment options but requires a separate plan—such as savings or investments—to repay the original loan amount at the end of the term. These mortgages may appeal to investors or individuals with irregular income who anticipate having the means to repay the capital later.
known as capital and interest mortgages, these require monthly payments that cover both the interest and a portion of the capital borrowed. Over time, the loan balance gradually decreases until fully repaid by the end of the term. This structure provides the reassurance of knowing the mortgage will be paid off, making it a preferred option for many homeowners.
The UK mortgage market offers a wide range of products to match various financial needs and preferences. Whether the priority is stability, flexibility, or lower monthly payments, there’s an option to suit. It’s essential for borrowers to evaluate their financial situation, longterm goals, and risk tolerance carefully. Seeking advice from a mortgage advisor or financial expert can help in making a well-informed decision.
Tracker mortgages are linked to a specific base rate, usually the Bank of England’s base rate, plus a set percentage. As the base rate
With an interest-only mortgage, borrowers pay only the interest
Claremont Square, N1
£1,250,000 Leasehold
Set in this larger than average Grade II listed Georgian property on Claremont Square is this exceptionally stunning three bedroom maisonette.
Clerkenwell & City
020 7405 1288 | clerkenwell@winkworth.co.uk
Striking a tasteful balance between immaculate interior design and wealth of original, 1820, period features including cornicing, shutters and fireplace; this is a true gem. The remarkably wide reception room on the raised ground floor has a wealth of natural light streaming through a beautifully large window at the front and a separate eat in kitchen with French windows over-looking the garden at the rear.
The property also includes a fully fitted family bathroom, two large double bedrooms, master with en-suite and walk in wardrobe, a small single bedroom, perfect as a home office and a large private south facing garden at the rear which is exposed to both morning and afternoon sun.
Set in the heart of the ‘Amwell Village’, Claremont Square is well placed and just moments away from the hustle and bustle of Islington's Upper Street where you can find a plethora of exciting boutiques, restaurants and bars. Exmouth Market, Farringdon, Kings Cross and Angel are all within walking distance.
In the realm of real estate, adding value to your home is not just about sprucing up its appearance; it’s an investment that can yield significant returns when done strategically. Whether you’re looking to sell your property in the near future or simply aiming to enhance your living space, here are six proven strategies to boost your home’s value.
KERB APPEAL ENHANCEMENT
The first impression matters. Invest in enhancing your home’s kerb appeal by maintaining a well-manicured lawn, planting colorful flowers, and adding appealing exterior lighting.
Fresh paint for the front door and clean, well-defined pathways can make a world of difference. Potential buyers or visitors should feel drawn to your home from the moment they arrive.
The kitchen is often considered the heart of a home, and it’s a prime area for adding value. Focus on modernizing the kitchen with updated appliances, countertops, and cabinetry. Opt for timeless designs and neutral colours that appeal to a broad range of tastes. Additionally, consider adding functional elements such as a kitchen island or a pantry to increase both aesthetics and utility.
Similar to kitchens, bathrooms are key selling points for homes. Upgrading fixtures, such as faucets and showerheads, can instantly give a bathroom a more luxurious feel. Consider replacing worn-out tiles, installing energy-efficient toilets, and adding extra storage space. A clean, well-maintained bathroom can significantly increase your home’s value and appeal.
In today’s environmentally conscious world, energy-efficient homes are highly sought after.
Investing in energy-saving upgrades not only reduces utility bills but also adds value to your property. Consider installing solar panels, upgrading to energy-efficient windows and doors, and enhancing insulation. These improvements not only benefit the environment but also make your home more attractive to potential buyers.
a more open floor plan. This can make your home feel larger and more inviting, ultimately increasing its value. However, be sure to consult with a professional to ensure structural integrity and compliance with building codes.
Incorporating smart home technology can make your property more desirable and valuable in today’s techsavvy market. Install smart thermostats, lighting systems, security cameras, and door locks that can be controlled remotely via smartphone apps. Not only do these technologies enhance convenience and security, but they also appeal to buyers looking for modern amenities.
Many modern homeowners prefer open, spacious layouts that facilitate seamless interaction between different areas of the house. If feasible, consider knocking down non-load-bearing walls to create
Adding value to your home involves a combination of aesthetic enhancements, functional upgrades, and strategic investments. By focusing on areas such as kerb appeal, kitchen and bathroom remodelling, energy efficiency, open floor plans, smart home technology, and additional living space, you can significantly increase your property’s value and appeal to potential buyers. Remember to prioritize improvements that align with your budget, market trends, and the preferences of your target demographic. With careful planning and execution, your home can become not only a comfortable living space but also a lucrative asset.
