Lonsdale Mortgages is an FCA-regulated mortgage broker based in St Albans, AL2 2DD, specialising in Buy-to-Let, First Time Buyers, Remortgages and 1 other areas. Rated 5/5 from 77 reviews.
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Meet our experienced team of mortgage professionals
Jenny Knapton
3 Mar 2026Amy and Sue at Lonsdale Mortgages have helped with renewing my mortgage. Amy provided different options for me to consider, answered all of my questions and advised accordingly. This is the second time I have used Lonsdale Mortgages and would highly recommend.
Alex nunn
12 Jan 2026We contacted Amy from Lonsdale Mortgages for support with our upcoming re-mortgage. Amy was fantastic from day one and the process was by far the smoothest re-mortgage we'd ever experienced. Amy presented us with a number of options based on our goals and was able to secure us a rate 2% better than our previous mortgage. Throughout the entire process Amy was on hand to answer any questions and her advise was greatly appreciated. Thank you Amy & Lonsdale Mortgages!!
Kike Giwa
9 Jan 2026My husband and I have used Lonsdale to both acquire our first property and pay off our Help to Buy. Both Amy and Sue have been brilliant throughout both processes. They communicate clearly, keeping us informed through each step of the process, and they are always on hand to answer our many questions. We have always had a positive experience using them and I would definitely recommend Lonsdale Mortgages.
Sam Goymer (GS68)
16 Dec 2025It was a pleasure working with Amy and Sue throughout the mortgage process. They were extremely helpful and informative and responded quickly to queries. The online portal used for the process made it easy to share and review documents and made the process smoother from start to finish. Would highly recommend!
Farzana Mukith
13 Oct 2025As repeat customers, we’ve consistently had a great experience with Amy and Sue. They make what could be a stressful process feel smooth and straightforward. Both were friendly, professional, and always available to answer our questions promptly. We wouldn’t hesitate to use them again or recommend them to others.
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Regulatory Status
Direct Authorisation
FCA Number
225488Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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