Thinking of moving to Fulham? You’re not alone. This popular South West London neighbourhood continues to attract young professionals, growing families, and overseas buyers who want riverside living with easy access to central London. But with demand for property in Fulham remaining high, it’s essential to understand both the local housing market and the mortgage options available to you. We at Oportfolio are a Fulham local mortgage broker, and here’s what you should know if you’re planning to purchase in Fulham!
Why Is Fulham So Popular?
Fulham has village appeal and city convenience. With tree-lined streets and decent schools, bustling cafes, pubs, and the green open spaces of Bishops Park and Eel Brook Common, it’s an area with broad appeal across age groups.
Good transport links: District Line trains at Parsons Green and Fulham Broadway, and local Overground at Imperial Wharf.
Diversity of property: New riverside flats, historic terraces, and family residences.
Lifestyle: Good schools, boutique shopping along the Fulham Road, and Chelsea and River Thames in close proximity.
All of which contributes to Fulham being one of London’s most sought-after, and price-competitive, areas for buyers.
Fulham Property Market: What to Expect for Buyers
Fulham market has weathered even with general uncertainty in the UK housing market. Prices eased slightly over 2023–2024 but demand in 2025 returned to a stable level, with buyers seeking well-placed property.
Average prices of houses: To date in early 2025, flats typically start around £550,000, and family houses between £1.2m and £2.5m+, subject to location and condition.
First-time buyers: New build flats and small-scale conversions provide alternatives, with particular use of 5% deposit mortgage products.
Competition: Riverside flats and houses near Parsons Green are scarce.
Mortgage Advice for Fulham Purchases
- Budget Prudently for London Prices
Fulham is a top location, therefore residents can expect strong affordability tests from the lenders. Factor in stamp duty, solicitors’ costs, and ongoing charges such as service charges for flats. - Seek at least a 5% Deposit Mortgage
Most first-time buyers think they need to put in a 20% deposit, but in 2025 lenders still offer 95% loan-to-value (LTV) mortgages, getting more people on the Fulham property ladder. But the larger deposit you have, the better. - Look at Specialist Mortgages
Being self-employed, a contractor, or buying with foreign income, a specialist mortgage broker will be able to find lenders who are happy with complex income. - Act Fast with Mortgage in Principle
With highly sought-after Fulham property always attracting multiple offers, the added confidence that you already have mortgage in principle agreed through gives you a head start over competing bidders and sellers. - Plan for the Future
Interest rates have stabilised after the uncertainty of 2022–2023, but anchoring onto the right fixed-rate product can give you peace of mind as you settle into your Fulham home.
Local Buying Tips: Get Ahead in the Fulham Market
- Use a local mortgage broker who knows the Fulham market like ourselves at Oportfolio Mortgages.
- Have solicitor documents ready to save time.
- Be willing to compromise. Some of the most valuable properties are ones that need cosmetic modernisation.
- Make friends with estate agents. In highly desirable areas, agents will give early viewings to serious buyers.
Should You Move to Fulham?
If you’re looking for a vibrant, well-connected part of London with strong long-term property prospects, Fulham remains a smart choice. Whether you’re a first-time buyer, a growing family, or relocating for work, securing the right mortgage is key to making your move happen smoothly.
FAQs About Buying in Fulham
Q: Is Fulham a good area for first-time buyers?
Yes. Despite high property costs, lower flats and 95% LTV mortgage accessibility make Fulham affordable to a lot of first-time buyers.
Q: How much deposit do I need to buy in Fulham?
While a 20% deposit will provide more choice, a lot of buyers are purchasing with as low as a 5 or 10% deposit in 2025.
Q: Are 2025 mortgages less expensive than a year ago?
Rates have levelled against 2023–2024. Referring to a mortgage broker will help you to secure the better rates.
Q: Are self-employed buyers able to get a mortgage in Fulham?
Yes, lenders are more and more accommodating to self-employed borrowers, especially using a specialist adviser.
Your Local Mortgage Expert
Making the leap and moving to Fulham could be one of the greatest things you’ll ever do. With its stable market place, desirable way of life, and great mortgage deals on offer, there’s no reason to allow renting to get in the way. Thinking of purchasing in Fulham? Talk to us about your mortgage choices today. Call our Oportfolio Mortgages team today to arrange a free first mortgage consultation with one of our local specialist advisers.
