Meet James Zamchick, Mortgage Broker in Greater London

James Zamchick is a mortgage broker in Greater London, specialising in property finance for landlords, investors, developers and business owners. His work focuses on structured lending solutions rather than high-street residential lending, with particular experience in buy-to-let, HMO, commercial, and development finance.

Working with clients across Greater London and Hertfordshire, James provides clear, realistic advice based on lender criteria, ownership structures, and underwriting practices. He understands how lenders assess risk, income and exit strategies, which is essential for complex property transactions.

Clients value his direct approach, access to specialist lenders and ability to structure finance for portfolio growth and time-sensitive purchases. For background insight, you can review our guidance on using a mortgage broker in Greater London before engaging.

Buy-to-Let Mortgage Broker in Greater London

James acts as a buy-to-let mortgage broker for landlords purchasing or refinancing investment property. This includes single-let properties, limited company structures, and multi-property portfolios.

Each case is assessed based on rental income, loan-to-value, ownership structure, and long-term strategy. Lender selection considers stress testing, portfolio exposure and tax efficiency.

This service is suited to landlords seeking a buy-to-let mortgage broker in Greater London who understands professional property finance rather than entry-level investor lending.

HMO Mortgage Broker Services

James arranges HMO mortgages for licensed and unlicensed shared accommodation, subject to local authority rules and lender criteria. Properties are assessed based on room sizes, tenant profile, rental coverage and management experience.

Funding is sourced from lenders experienced in complex HMO lending, including larger multi-unit properties. This service supports landlords expanding into higher-yield accommodation with appropriate financial structuring.

Landlords can benefit from working with an HMO mortgage broker in Greater London familiar with specialist underwriting requirements.

Portfolio Landlord Mortgage Advice

Portfolio landlords face increased scrutiny from lenders. James provides mortgage advice for portfolio landlords holding four or more mortgaged properties.

Each review considers overall gearing, property performance, personal income and future borrowing capacity. This approach supports long-term planning, refinancing, and strategic capital raising.

Clients seeking portfolio landlord mortgage advice in Greater London benefit from structured reviews rather than isolated applications.

Bridging Loan Mortgage Broker

James works as a bridging loan mortgage broker, arranging short-term finance for purchases, refurbishments, auctions and chain breaks. Both regulated and unregulated bridging loans are available, depending on property use.

Each case includes a clear exit strategy through refinance, sale or development completion. Interest structures may include rolled-up, retained, or serviced options, depending on cash flow.

This service is suitable for investors and developers who need speed, flexibility, and pragmatic underwriting. Clients can explore bridging finance options in Greater London, with lender access aligned to their timescales and risk profile.

Development Finance Mortgage Broker

James provides development finance advice for new-build projects, conversions, and heavy refurbishments. Funding is structured around build costs, gross development value and phased drawdowns.

Lenders require professional valuations, costings and monitoring surveys. James supports clients through this process to ensure funding aligns with project milestones.

This service suits experienced and emerging developers seeking development finance in Greater London with structured lender support.

Commercial and Semi-Commercial Mortgage Broker

James arranges commercial and semi-commercial mortgages for shops, offices, mixed-use buildings and trading premises. Funding is available for both owner-occupiers and investors.

Applications consider rental income, lease terms, trading accounts and property configuration. Lenders are selected based on asset type, income stability and borrower profile.

This service supports clients in Greater London seeking commercial mortgage advice and provides access to specialist UK lenders.

Limited Company and Second Charge Mortgages

James advises on limited company mortgages for SPVs and trading companies used in property investment. This supports tax planning, portfolio growth and long-term ownership strategies.

Second-charge mortgages allow clients to raise capital against property equity without replacing an existing first-charge mortgage. This can support investment funding, business cash flow or consolidation.

Clients can access limited company mortgages in Greater London with criteria matched to their structure and objectives.

Mortgage Adviser In Greater London and Hertfordshire

In addition to Hertfordshire, James works extensively as a mortgage adviser in London, supporting investors and developers purchasing across Greater London and surrounding counties.

This includes cross-border cases where income, property location and ownership structures vary. His experience supports clients operating across multiple regions and lender panels.

Areas Covered

James serves clients across Greater London and Hertfordshire, including Hemel Hempstead, Borehamwood, St Albans, Watford, Westminster, Camden, Hackney, Croydon, Richmond, just to name a few.