Below, we delve into eight prime London postcodes, highlighting market trends and offering insights for buyers seeking high net worth mortgages to capitalise on these opportunities.

Hampstead (NW3): Elegant Suburb with Strong Demand

Hampstead’s leafy charm and proximity to Central London make it a magnet for affluent families. Kim Blackman of Blackman Investments explains, “NW3 has always been attractive to affluent couples and families. It is an elegant, leafy suburb with Georgian houses, independent shops, and cafés.” Despite a 9% price drop over the past year, properties priced between £1.5m and £5m with good layouts and outdoor space remain in high demand. For high-net-worth buyers, securing a high-net-worth mortgage for these homes can preserve liquidity for other investments. Blackman advises working with trusted search agents to navigate complex transactions, a process Fox Davidson supports with customised large loans.

St John’s Wood (NW8): A Hotspot for International Buyers

St John’s Wood continues to attract American buyers, who account for 40% of local clients, according to Jo Eccles of Eccord. “Family homes in St John’s Wood persistently outperform the market,” she says, with strong demand for properties in the £10m–£15m range and super-prime homes up to £25m. Recent rate cuts have encouraged borrowing among private equity clients, making high-net-worth mortgages an attractive option. Eccles notes that over 50% of properties are sold off-market, underscoring the need for a high-net-worth mortgage broker with strong networks to facilitate discreet transactions.

Bayswater (W2): Regeneration Fuels Demand

Bayswater’s appeal is surging, driven by a £3bn Queensway regeneration project set for completion in 2026. Camilla Dell of Black Brick Property Solutions highlights, “The volume of transactions in W2 is up 14% year-on-year, and there has been a 9% increase in prices.” Average house prices reached £6,082,667 in Q1 2025, with period homes in good condition commanding premiums. However, stamp duty increases and changes to non-dom rules have led to 9% discounts. For high-net-worth investors, a large loan arranged by Fox Davidson can unlock opportunities in this vibrant postcode.

Chelsea (SW3): Selective Buyers Drive the Market

Chelsea has seen a slight uptick in buyer numbers following interest rate cuts, with demand strongest for properties under £5m. Jeremy McGivern of Mercury Homesearch notes, “Properties that have recently been refurbished are achieving premiums, while homes refurbished over six years ago are seen as tired.” Patience and selective negotiation are key in this market. High-net-worth buyers can benefit from high-net-worth mortgages to secure refurbished homes or pied-à-terre properties, with Fox Davidson offering expert guidance on financing.

Battersea (SW8): A Family-Friendly Haven

Battersea’s green spaces and proximity to Battersea Power Station make it ideal for families and professionals. Sarah Gerrett of Knight Frank reports a 0.6% price rise between January and April 2025, suggesting the market may be bottoming out. “Given that mortgage rates are now starting to ease, we believe this could be the bottom of the market,” she says. For high-net-worth buyers, now is an opportune time to explore large loans for family homes or pied-à-terre properties.

Fulham (SW6): Stable Prices and Lifestyle Appeal

Fulham’s green spaces and excellent schools attract domestic and European buyers. Edward Peers of Hamptons reports stable prices, with the average sales price at £1,186,510 in 2024. Demand is strong for period terraced houses priced above £3m near Parsons Green or Bishops Park.

Notting Hill (W11): Vibrant and Sought-After

Notting Hill’s iconic architecture and vibrant character ensure its enduring appeal. Hannah Aykroyd of Aykroyd & Co. notes, “Pricing has softened by 7.6% compared to last year, but transaction levels have risen by 16%.” Four-bedroom houses command £2,536 per square foot, with turnkey family homes achieving premiums. Interest rate cuts have boosted confidence in the sub-£10m market.

Kensington (W8): A Discreet Prime Location

Kensington’s community feel and diverse housing stock attract global and domestic buyers. Pete Bevan of Savills says, “Activity across the family-house market has been largely driven by domestic buyers searching for a home in one of Kensington’s key addresses.” Well-presented flats in portered buildings are also in demand.

Why Choose Fox Davidson for High-Net-Worth Mortgages?

Navigating the prime London property market requires local expertise and tailored financial solutions. As a high-net-worth mortgage broker, Fox Davidson specialises in arranging high-net-worth mortgages and large loans for luxury properties across London’s most desirable postcodes. Our deep understanding of market nuances and access to exclusive lenders ensure our clients secure competitive terms, whether purchasing a family home in St John’s Wood or an investment property in Bayswater.

Final Thoughts

The prime London property market in 2025 is a tale of postcode-specific trends, with opportunities for high-net-worth buyers to capitalise on softening prices and renewed confidence. By partnering with a high-net-worth mortgage broker like Fox Davidson, buyers can secure large loans tailored to their unique needs, ensuring they make informed decisions in this dynamic market. Contact Fox Davidson today to explore how we can help you unlock your next prime London property with a high-net-worth mortgage.

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