Mortgage Advice in Goodmayes: Property, Schools & Local Area Guide

That’s Family Finance
Property & Mortgage Guide — 2026/27 edition

Goodmayes

London

A buyer’s guide to Goodmayes — property prices and council tax, schools and their real Ofsted position, transport, healthcare, flood risk, the local lending realities, and the questions worth asking before you commit.

What’s inside
  • Quick Answers
  • Prices
  • Market
  • Why Goodmayes
  • Transport
  • Schools
  • Police & Fire
  • Areas
  • Healthcare
  • Flood
  • History
  • Beyond the Mortgage
  • FAQs

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That’s Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, award-winning, FCA-regulated mortgage advisers, with no obligation.

Figures in this guide were correct when it was produced and do change. Always verify council tax with the local council, school ratings with Ofsted and journey times with the operator before you rely on them. This guide is information, not financial or mortgage advice.

London Property & Mortgage Guide • 18 min read • Goodmayes • Updated July 2026

Mortgage Advice in Goodmayes: Property, Schools & Local Area Guide

Whether you're buying your first home in Goodmayes, remortgaging, upsizing or simply researching this well-connected, richly diverse corner of north-east London — a Redbridge suburb within Ilford whose own station now runs on the Elizabeth line straight into central London — this guide covers what buyers and homeowners actually want to know.

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Quick answers about Goodmayes

Click any question to expand the full detail and sources.

Is Goodmayes a good place to live?
Yes — diverse and superbly connected.

Yes — Goodmayes is an established, richly multicultural suburb of north-east London (IG3), in the London Borough of Redbridge and part of the wider Ilford area, around ten miles from the City. Its biggest draw is connectivity: its own station now runs on the Elizabeth line, with direct trains into Liverpool Street and right across central London to Paddington. Add a busy, characterful High Road, the 25-acre Goodmayes Park on the doorstep, King George Hospital right in the area and more affordable prices than the leafier Redbridge suburbs, and it has real appeal for first-time buyers, families and commuters. The main things to weigh are that it is a busy urban high-street suburb and that the A12 carries heavy traffic nearby.

Sources: en.wikipedia.org/wiki/Goodmayes | rightmove.co.uk — Goodmayes

Is Goodmayes expensive?
More affordable than leafy Redbridge.

Goodmayes is one of the more affordable parts of the London Borough of Redbridge, with prices below those of leafier suburbs like Wanstead or South Woodford, though still a London market well above the national average. Flats and conversions offer the more accessible ways in (often around £240,000 to £320,000), while Victorian and Edwardian terraces — the backbone of the area — and larger family homes run higher. Its Elizabeth line connection, its schools and its value relative to neighbouring suburbs all support demand. Always verify current prices via Land Registry data or independent valuation advice for the exact property.

Sources: rightmove.co.uk — Goodmayes | landregistry.data.gov.uk

Is Goodmayes on the Elizabeth line?
Yes — direct across central London.

Yes — Goodmayes station (Zone 4) is on the Elizabeth line, with direct trains west to Liverpool Street and right across central London through Farringdon, Tottenham Court Road, Bond Street and Paddington (and on towards Heathrow), and east out to Shenfield. The Elizabeth line transformed this stretch of the Great Eastern Main Line, giving Goodmayes a fast, modern link right across town. The Central line is a short hop away at Newbury Park, and for drivers the A12 (Eastern Avenue) links to the wider network. Always check current timetables and service updates before relying on a specific journey.

Sources: tfl.gov.uk — Goodmayes

What is Goodmayes known for?
The Elizabeth line, King George Hospital & diversity.

Goodmayes is known as a busy, richly multicultural suburb with a characterful High Road of independent shops, restaurants and food stores reflecting its diverse communities, its own Elizabeth line station straight into central London, the 25-acre Goodmayes Park, and King George Hospital — the major local A&E — in Barley Lane. It sits within the Ilford area of the London Borough of Redbridge, between Seven Kings and Chadwell Heath. Its combination of connectivity, community and relative value is what draws buyers to it.

Sources: en.wikipedia.org/wiki/Goodmayes

Where is the nearest A&E to Goodmayes?
King George Hospital — in Goodmayes.

The nearest major hospital with a 24-hour A&E is King George Hospital, which is in Goodmayes itself — on Barley Lane (Barking, Havering and Redbridge University Hospitals NHS Trust) — so it is right on the doorstep; Queen’s Hospital in Romford and Whipps Cross in Leytonstone are also within reach, with GP provision locally. As NHS services can be reconfigured and travel times vary, always confirm the nearest current A&E and the arrangements directly with the NHS.

Sources: bhrhospitals.nhs.uk — King George Hospital


Is Goodmayes right for you?

Every town suits some buyers better than others — here is how Goodmayes rates for the people who most often buy here, and why.

Buyer type Rating Why
First-time buyers ★★★★★ Among the more affordable parts of Redbridge — flats and conversions from around £240,000 — with an Elizabeth line station on the doorstep.
Commuters (to London) ★★★★★ Own Elizabeth line station — direct to Liverpool Street and right across central London to Paddington; a genuinely fast, modern link.
Families ★★★★☆ Good primaries, secondaries within reach, the 25-acre Goodmayes Park and King George Hospital on the doorstep — though it is a busy urban setting.
Buy-to-let landlords ★★★★☆ Strong tenant demand on the back of the Elizabeth line and relative affordability, giving steadier yields than pricier neighbours.
Upsizers ★★★☆☆ Victorian and Edwardian terraces give space for the money, but it is a dense, busy suburb rather than a leafy one.
The short version: Goodmayes rates highest for first-time buyers and commuters wanting value and a superb Elizabeth line link into central London; families are well served by Good schools, a big park and a major hospital on the doorstep, while buy-to-let is steady on the back of transport demand.

An honest, at-a-glance summary of what Goodmayes does brilliantly — and what to weigh carefully — before you commit.

Great if you want…
A well-connected, richly diverse north-east London suburb — a characterful High Road, the 25-acre Goodmayes Park on the doorstep, King George Hospital in the area and more affordable prices than the leafier Redbridge suburbs — with its own Elizabeth line station straight into central London.
Think carefully if…
You want a leafy, quiet setting (it is a busy urban high-street suburb), you dislike main-road traffic (the A12 runs nearby), or you're buying without checking surface-water flood risk and, on flats and conversions, the lease and service charge.
Best suited to
First-time buyers and families wanting value and connectivity; central-London and City commuters using the Elizabeth line; and buyers who want a diverse, community-minded suburb with a fast link right across town.

Goodmayes at a glance

The key facts buyers ask us about most, in one place.

Fact Detail
County & councils London (London Borough of Redbridge — unparished)
Postcode district IG3
Approx. character A well-connected, richly diverse north-east London suburb
Average house price Below leafy Redbridge but a London market — flats ~£240,000–£320,000, terraces higher; sources vary
Railway Goodmayes (Elizabeth line, Zone 4) — direct to Liverpool Street, central London & Shenfield; Central line at Newbury Park
Nearest A&E King George Hospital, Goodmayes (Barley Lane) — in the area; verify with NHS
Schools Good schools in Redbridge; Goodmayes Primary, Mayespark, Chadwell Heath Academy, Mayfield
Known for The Elizabeth line, Goodmayes Park, King George Hospital & the multicultural High Road
Character Part of the Ilford area, between Seven Kings & Chadwell Heath
Roads The A12 (Eastern Avenue) & A118 close by
Green space Goodmayes Park, Barley Lane playing fields & Valentines Park within reach
Council tax (Band D) £2,294.58 for 2026/27 (Redbridge + GLA; verified) — confirm your exact band

Property prices & council tax in Goodmayes

Goodmayes is one of the more affordable parts of the London Borough of Redbridge, with prices below those of leafier suburbs while still a London market well above the national average. It offers purpose-built and converted flats, the Victorian and Edwardian terraces that form the backbone of the area, popular semi-detached family homes and some larger houses. Published figures vary by property and area, so treat the ranges below as a broad guide and verify for the exact home.

Property type / area Typical position in the market Who it suits
Flats & conversions Indicatively around £240,000–£320,000 First-time buyers; the more accessible ways in
Terraced & town houses Indicatively around £430,000–£580,000 First-time buyers stretching; smaller families
Semi-detached & family homes Indicatively around £580,000–£780,000 Growing families
Goodmayes average A London market below leafy Redbridge — often £430,000–£530,000 overall (verify per property) A broad benchmark for the area
Larger & period family homes Indicatively £780,000–£1m+ Buyers wanting a larger period or family home
Council tax — the 2026/27 figure: Goodmayes is in the London Borough of Redbridge, which is unparished, so your council tax has two parts: the London Borough of Redbridge share (including the adult social care precept) and the Greater London Authority (Mayor of London) precept, which funds the Metropolitan Police, the London Fire Brigade and Transport for London. For 2026/27 the Band D total is £2,294.58 (verified from Redbridge’s published council tax bands and charges), made up of the Redbridge share of £1,784.07 and the GLA precept of £510.51. Note that Goodmayes’ eastern edge, towards Chadwell Heath, runs up to the boundary with the London Borough of Barking and Dagenham, whose council tax figure differs — this guide gives the Redbridge Goodmayes figure, so check which borough a specific address falls in. Your actual bill depends on your property’s band, so confirm it with the London Borough of Redbridge and the VOA before budgeting.

What income might you need?

These illustrative figures use roughly 4.5x household income and assume a typical deposit. They are a starting point for budgeting only — not a quote or advice.

£280,000

Flat / conversion

~£62,000

household income (guide)

£480,000

Area benchmark

~£107,000

household income (guide)

£680,000

Semi / family home (indicative)

~£151,000

household income (guide)

Stamp duty (SDLT): what you pay depends on the price, whether you're a first-time buyer, and whether you own another property. At Goodmayes’ prices, SDLT is a real cost to budget for — though first-time-buyer relief helps at the more accessible end — and the additional-property surcharge adds more again for second homes and buy-to-let. Use the government's official SDLT calculator for an exact figure before you budget.

Goodmayes affordability & stamp duty calculator

A quick, no-obligation way to see roughly what you could borrow in Goodmayes and what stamp duty you'd pay. Illustration only — real figures depend on the lender and your circumstances.

Estimated maximum borrowing: £270,000 (about 4.5× income)
Estimated budget with deposit: £310,000
Stamp duty on that budget: £5,500

Illustration only, not a mortgage offer or personalised advice. Lenders' income multiples and criteria vary. Your home may be repossessed if you do not keep up repayments on your mortgage.

Borrowing ready-reckoner (around 4.5× income)

Yearly income Rough maximum mortgage
£40,000 ~£180,000
£60,000 ~£270,000
£75,000 ~£337,500
£90,000 ~£405,000
£120,000 ~£540,000

Stamp duty (SDLT) in 2026 — England

Portion of price Standard rate First-time buyer
Up to £125,000 0% 0% (up to £300,000)
£125,001 – £250,000 2% 0% (up to £300,000)
£250,001 – £925,000 5% 5% on £300,001–£500,000 (no relief over £500,000)
£925,001 – £1.5m 10%
Over £1.5m 12%

Worked examples: a £250,000 home = £2,500 stamp duty (£0 for first-time buyers); a £450,000 home = £12,500 (£7,500 first-time buyer); a £650,000 home = £22,500 (first-time buyer relief doesn't apply over £500,000). An additional-property surcharge of 5% applies to second homes and buy-to-lets.

SDLT rates as at 2026 (England & Northern Ireland). Scotland (LBTT) and Wales (LTT) differ. Figures are a guide — confirm with your conveyancer.

The Goodmayes property market in depth

Goodmayes offers a well-connected, relatively affordable suburban market — purpose-built and converted flats, Victorian and Edwardian terraces, popular semi-detached family homes and some larger houses — with its Elizabeth line connection, its schools and its value relative to leafier neighbours all driving demand.

Property type What to expect Typical guide
Flats & conversions The more accessible way in; popular with first-time buyers, sharers and investors. £240,000–£320,000
Terraced & town houses Period Victorian and Edwardian homes across the area — the backbone of the market. £430,000–£580,000
Semi-detached & family homes Popular family homes on the residential roads. £580,000–£780,000
Larger & period family homes Larger period and family homes — the top of the local market. £780,000–£1m+

Goodmayes’ appeal — a well-connected, community-minded suburb with a characterful High Road, the 25-acre Goodmayes Park on the doorstep, King George Hospital in the area and more affordable prices than the leafier Redbridge suburbs, and its own Elizabeth line station straight into central London — makes it a steady, in-demand market, from purpose-built flats to substantial period family homes.

That range means budgeting and the right mortgage matter. Family homes here can still mean significant lending, and flats and conversions bring lease, ground-rent and service-charge questions that lenders assess carefully, so a survey is wise on an older home and a lease review is essential on a flat. A whole-of-market mortgage adviser helps you match the right lender to your plans — the kind of introduction we can arrange.

Transport & commuting from Goodmayes

Transport in Goodmayes is a real strength — its own Elizabeth line station and the Central line close by at Newbury Park. These indicative times are a starting point — always verify current timetables before relying on a specific journey.

Route Approx. time Notes
Goodmayes → Liverpool Street ~22 min Direct on the Elizabeth line, for the City
Goodmayes → Farringdon ~28 min Direct on the Elizabeth line, for the City & Thameslink
Goodmayes → Tottenham Court Road ~32 min Direct on the Elizabeth line, for the West End
Goodmayes → Bond Street / Paddington ~35–40 min Direct on the Elizabeth line, right across central London
Goodmayes → Stratford ~12 min Direct on the Elizabeth line, for Westfield & connections
Goodmayes → Shenfield ~18 min Direct on the Elizabeth line, eastbound into Essex
Goodmayes → King George Hospital (A&E) ~5 min The major local A&E, in Barley Lane, Goodmayes
Goodmayes → the A12 (Eastern Avenue) ~3–5 min drive For the M11, A406 & the wider network
Buyer insight: Goodmayes is genuinely well connected. Its own station is on the Elizabeth line (Zone 4), with direct trains west to Liverpool Street and right across central London through Farringdon, Tottenham Court Road, Bond Street and Paddington (and on towards Heathrow), and east out to Shenfield. The Central line is a short hop away at Newbury Park, and for drivers the A12 (Eastern Avenue) links to the M11, the A406 and the wider network. That fast, modern Elizabeth line link right across town is a big part of Goodmayes’ appeal.

Getting around Goodmayes

Day-to-day mobility here is worth thinking through — the practical picture.

By train

Goodmayes station is on the Elizabeth line, with direct trains to Liverpool Street, Farringdon, Tottenham Court Road, Bond Street, Paddington and Shenfield — a fast link right across central London.

By Tube

The Central line is a short hop away at Newbury Park (direct to Liverpool Street, Bank and the West End) — a second fast route into town.

By car

The A12 (Eastern Avenue) links to the M11, the A406 (North Circular) and the wider network — useful for wider journeys, though it carries heavy traffic.

For the airport

The Elizabeth line runs through to Heathrow (with a change), and Stansted is reachable via the M11 — handy for flights.

By bus

Local bus services connect Goodmayes with Ilford, Barkingside, Newbury Park and the surrounding area — check current routes and frequencies.

For the commute

Goodmayes suits City and central-London commuters especially (via the Elizabeth line), with Stratford and its connections a few minutes away — a well-connected suburb.

Schools in Goodmayes

Redbridge is known for strong schools, and Goodmayes and the surrounding area have several well-regarded Good primaries and secondaries within reach. Because catchments and admissions matter — and Redbridge is a competitive borough for school places — confirm the current position directly for a specific address.

School Type Inspection Notes
Goodmayes Primary School Primary (state, co-ed, 3–11) Good A large, popular community primary on Castleton Road in Goodmayes, rated Good at its latest graded inspection (March 2024) — check the current catchment and the school’s latest report.
Mayespark Primary School Primary (state, co-ed, 3–11) Good A large community primary on Goodmayes Lane, rated Good at its most recent inspection (November 2023) — check catchment and admissions.
Chadwell Heath Academy Secondary (state academy, co-ed, 11–18) Good A large secondary and sixth form just east of Goodmayes, judged Good across all areas at its latest inspection (April 2025, under Ofsted’s new framework) — check catchment and admissions.
Mayfield School Secondary (state, co-ed, 11–18) Good A large secondary and sixth form on the Goodmayes/Dagenham edge, rated Good and now inspected under Ofsted’s new framework — read the latest report and check catchment.
Seven Kings School Secondary (state, co-ed, 4–18) Outstanding A large, highly regarded all-through school in neighbouring Seven Kings, rated Outstanding at its latest graded inspection — a further option; check catchment and the latest report.
Downshall Primary School Primary/academy (state, co-ed) Read report A large community primary between Goodmayes and Seven Kings (Meads Lane) — inspected under Ofsted’s new framework, so check the latest published report.
For homebuyers: Redbridge is a competitive borough for school places, so the key questions are catchment and admissions, and a specific address matters — Goodmayes has well-regarded Good primaries (Goodmayes Primary and Mayespark), Good secondaries within reach (Chadwell Heath Academy and Mayfield School) and the highly regarded Outstanding Seven Kings School next door. Confirm the current position with the schools and the London Borough of Redbridge, and read each school’s most recent report in full — noting that from September 2024 state schools no longer receive a single overall Ofsted grade.

Map, Police & Fire Services in Goodmayes

A useful local guide should show the practical services buyers actually check — policing, fire cover, emergency healthcare and the local crime context for Goodmayes.

Policing in Goodmayes
Goodmayes is covered by the Metropolitan Police, with a local Safer Neighbourhoods team. As anywhere in London, crime varies by area and street. For current crime data by exact postcode, use police.uk. Emergencies: 999; non-emergencies: 101.
Fire & Rescue cover
Goodmayes is served by the London Fire Brigade, whose funding comes through the Greater London Authority precept within your council tax. For free home fire-safety advice and to book a Home Fire Safety Visit, contact the London Fire Brigade. Emergencies: 999.
Nearest full A&E
On healthcare access — the nearest major hospital with a 24-hour Accident & Emergency department is King George Hospital, which is in Goodmayes itself, on Barley Lane (Barking, Havering and Redbridge University Hospitals NHS Trust) — so it is right on the doorstep; Queen’s Hospital in Romford and Whipps Cross in Leytonstone are also within reach, with GP provision locally. As NHS services can be reconfigured and travel times vary, always verify the nearest current A&E and the arrangements directly with the NHS.
Buyer insight: checking police.uk by postcode takes two minutes and is worth doing before offering on any property.

Popular parts of Goodmayes & nearby

Where you buy in Goodmayes shapes both your budget and your character — from the roads around the High Road and the station to the residential streets towards the park and the hospital. A quick orientation.

Around the High Road & the station
The busy heart of the suburb, with the shops, restaurants and food stores of the High Road and the Elizabeth line station — convenient, with flats and period homes near the amenities.
Towards Goodmayes Park
The residential streets around Goodmayes Park — Victorian and Edwardian terraces and semis, popular with families for the green space.
Towards King George Hospital & Barley Lane
The southern streets towards the hospital and the Barley Lane playing fields — period terraces and family homes, handy for the hospital.
Towards Seven Kings
The western edge towards Seven Kings and its own Elizabeth line station — period terraces and family homes, a little closer to Ilford.
Towards Chadwell Heath
The eastern edge towards Chadwell Heath — where the area runs up to the Barking and Dagenham boundary; check which borough a specific address falls in for council tax.
The surrounding areas
Neighbouring Seven Kings, Ilford, Newbury Park and Gants Hill each have their own character (some have their own guide — see the links below).

Local highlights & days out from Goodmayes

Goodmayes packs a characterful High Road, a fast Elizabeth line link, a big Green Flag park and a major hospital into one well-connected suburb. A few of the best-loved local highlights.

The High Road & the centre
A busy, characterful High Road of independent shops, restaurants and food stores reflecting the area’s rich diversity — a genuine sense of community and everyday convenience.
Goodmayes Park
Goodmayes Park — 25 acres of Green Flag parkland with tennis courts, a sensory garden and a wildflower meadow — a well-used local green space managed by Vision Redbridge Culture and Leisure.
Valentines Park & Mansion
The great Valentines Mansion (a Grade II* listed 17th-century house) and the 130-acre, Green Flag-winning Valentines Park — the largest green space in Redbridge — are within easy reach towards Gants Hill and Ilford.
The Elizabeth line
Its own station straight into Liverpool Street and right across central London — a defining part of the suburb’s appeal for commuters.
King George Hospital
The major local A&E and hospital, in Barley Lane, Goodmayes — a real convenience of the area, with healthcare on the doorstep.
The multicultural food scene
The High Road is known for its diverse restaurants, cafes and food stores — a genuine draw and a reflection of the area’s rich mix of communities.

Sports, leisure & community in Goodmayes

For a suburb, Goodmayes offers a lot — a lively High Road, a big Green Flag park and a great park and mansion nearby.

The centre & eating out

The High Road gives independent shops, restaurants, cafes and food stores reflecting the area’s diversity — a genuine local food scene on the doorstep.

Parks & the outdoors

Goodmayes Park and the Barley Lane playing fields give sport and green space locally, with the great Valentines Park and Mansion a little further afield — room to breathe close to home.

Sport, shops & the city near

Local gyms, sports clubs and leisure facilities, with Stratford (Westfield) a few minutes on the Elizabeth line and central London a fast ride for wider shopping and leisure.

Healthcare & local services in Goodmayes

Healthcare access is a genuine strength here — GP provision locally, and a major A&E right in the area at King George Hospital.

Hospital & A&E: the nearest major hospital with a 24-hour A&E is King George Hospital, which is in Goodmayes itself, on Barley Lane (Barking, Havering and Redbridge University Hospitals NHS Trust); Queen’s Hospital in Romford and Whipps Cross in Leytonstone are also within reach, with GP provision locally. As NHS services can be reconfigured and travel times vary, always confirm the nearest current A&E and the arrangements directly with the NHS.

The area has GP provision locally, with dentists and pharmacies around the High Road; the nearest major A&E department is at King George Hospital, right in Goodmayes on Barley Lane, with Queen’s Hospital (Romford) and Whipps Cross (Leytonstone) also within reach. GP and dental registration availability changes over time, so always check directly with a practice about its current catchment before relying on it for a move.

Living in Goodmayes

Day to day, Goodmayes is a well-connected, richly diverse north-east London suburb — a characterful High Road, Good local schools, a big park, a major hospital and a fast Elizabeth line commute. Here is a sense of everyday life.

Goodmayes has the amenities of a busy suburb — independent shops, restaurants and food stores along the High Road, supermarkets, well-regarded primary schools, Goodmayes Park, King George Hospital and a strong, diverse community — along with Valentines Park and Mansion nearby, and Stratford and central London a fast ride on the Elizabeth line. The big everyday pluses are the connectivity, the schools, the food scene, the hospital and the relative value.

Connectivity for working is generally good — superfast (and in places gigabit) broadband reaches much of the area, so home and hybrid working is very possible, complemented by the Elizabeth line and the A12 for office days. The main trade-offs are that it is a busy urban high-street suburb, main-road traffic on the A12, and (on flats and conversions) lease and service-charge questions — but for connectivity, schools and value it is a strong choice.

Everyday amenity In Goodmayes? Nearest / notes
Primary schools Yes (several) Goodmayes Primary & Mayespark (both Good) and others; check catchment
Secondary schools Yes (within reach) Chadwell Heath Academy & Mayfield (Good); Seven Kings School (Outstanding) next door
GP & hospital Local / major A&E in the area GP provision locally; major A&E at King George Hospital, in Goodmayes
Nearest A&E In the area (Barley Lane) King George Hospital (BHRUT) — major A&E on the doorstep
Railway station Yes Goodmayes (Elizabeth line) — direct to Liverpool Street, central London & Shenfield
Shops Yes (High Road) Independent shops, restaurants and food stores along the High Road; Ilford & Stratford a short ride
Green space Yes Goodmayes Park & Barley Lane playing fields locally; Valentines Park within reach

Working & connectivity in Goodmayes

More people than ever work from home or hybrid, and Goodmayes is well set up for it — so it's worth being realistic about connectivity.

Superfast broadband reaches much of Goodmayes, with gigabit-capable full-fibre available in parts of the area, so home and hybrid working is very possible — complemented by the Elizabeth line and the A12 for office days. Coverage can still vary by exact address, particularly in older and converted properties, so check the specific property on the providers' and Ofcom's coverage checkers before you commit.

Connectivity Typical picture
Fixed broadband Superfast reaches much of the area; gigabit full-fibre in parts — check the exact address
Mobile coverage Generally good across the suburb
Train for office days Goodmayes (Elizabeth line) — direct to Liverpool Street, central London & Shenfield; Central line at Newbury Park
Road & air A12 (Eastern Avenue) to the M11 & A406; Heathrow via the Elizabeth line, Stansted via the M11

Flood risk in Goodmayes

On flooding, most of Goodmayes sits at lower risk of river flooding, but the Seven Kings Water and surface water can affect some low-lying streets in heavy rain, so it is worth checking carefully for a specific home.

Most of the area is at lower river-flood risk: most of Goodmayes sits away from any major river channel, so the risk of river flooding across most of the suburb is low — a reassuring picture for much of the area.
Surface water & the Seven Kings Water in heavy rain: as in much of London, some low-lying streets — and spots near the small Seven Kings Water brook — can be affected by surface-water (flash) flooding in intense rainfall. For a specific home — particularly a lower-ground or basement flat — this is worth checking, and it can affect insurance.
What to do: for any low-lying home — and as a sensible check everywhere — check the postcode on the GOV.UK flood risk service (river and surface-water risk), review the survey and searches, and confirm buildings insurance (and its cost) before you're committed.

Cost of living & running a home in Goodmayes

Beyond the mortgage, it helps to picture the ongoing costs of a home here. Indicative only — always confirm for a specific property.

Typical ongoing cost Indicative figure Notes
Council tax (Band D, 2026/27) £2,294.58 Redbridge + GLA precept (verified) — confirm your band
Buildings insurance Varies — check surface-water risk Surface-water flood risk in low-lying spots can affect premiums; get a quote and flood check before committing
Water & wastewater ~£450–£750/yr Thames Water area — check the supplier for the address
Broadband ~£30–£50/mth Superfast widely available; gigabit full-fibre in parts — check the address
Stamp duty (SDLT) — how the bands work: what you pay depends on the price and your circumstances. Standard residential SDLT rises with the price, so at Goodmayes’ values it is a real cost to budget for — though first-time-buyer relief helps at the more accessible end; an additional-property surcharge applies again to second homes and buy-to-let. Use the official GOV.UK SDLT calculator for an exact figure.

Financing a home in Goodmayes

A well-connected, value north-east London suburb is a smart thing to buy into — a few points on the mortgage side are worth understanding first.

Goodmayes’ relative affordability and strong tenant demand make it popular with first-time buyers, families and investors alike — from converted and purpose-built flats to Victorian terraces and larger family homes that still involve significant lending. Flats and conversions bring lease, ground-rent and service-charge questions, and period or unusual-construction properties are cases lenders and insurers assess carefully, so a survey is wise on an older home and a lease review is essential on a flat. Getting the right lender for your circumstances is where good advice pays off.

A whole-of-market approach really helps here. That's Family Finance introduces you to carefully selected, FCA-regulated mortgage advisers who search across lenders to fit your circumstances, and we make sure your protection is set up properly alongside it. Talk to us →

Conveyancing & the searches to expect in Goodmayes

A few standard checks are worth their weight when buying in Goodmayes — especially the lease on a flat and surface-water risk on low-lying homes.

Lease & service charge: on a flat or conversion, review the lease length, ground rent, service charge and any major-works liability before you commit — these affect value, mortgageability and cost.
Flood & water: for a low-lying or lower-ground home, a thorough surface-water flood check is wise, and you should confirm that buildings insurance is available and affordable before you're committed.
Property & boundary: a local authority search, drainage and water search, and a full building survey is wise on a period home; check any covenants and boundaries, confirm which borough the address falls in on the Chadwell Heath edge, and on a new-build the developer, tenure and any service charges — take your solicitor's specific advice for the exact property.

History, heritage & famous connections

Goodmayes lies within the historic area of Ilford, on the higher ground north-east of London, long part of the county of Essex. The name is old — associated with the Gomays or Godemay family recorded in the area in the medieval period — but the district as we know it is a creation of the railway age. The opening of Goodmayes station in 1901 on the Great Eastern Railway opened the area to commuters and drove its rapid growth into the Victorian and Edwardian suburb we see today, with the High Road developing as its centre.

Absorbed into the London Borough of Redbridge on its creation in 1965, Goodmayes developed through the twentieth century into one of the most diverse and community-minded parts of north-east London, its High Road reflecting the many communities that have made it home; King George Hospital opened in the area in the 1990s. The transformation of the Great Eastern Main Line into the Elizabeth line, opened through the area in 2022, has given the suburb a fast, modern link right across central London — the latest chapter in a story shaped by the railway from the start.

Goodmayes through the ages

A quick timeline of the moments that shaped the town you would be buying into.

Year Milestone
Medieval The name is associated with the Gomays or Godemay family recorded in the area — the origin of ‘Goodmayes’.
1901 Goodmayes station opens on the Great Eastern Railway, opening the area to commuters.
Early 20th c. Goodmayes grows into a Victorian and Edwardian suburb, with the High Road as its centre.
1965 Goodmayes is absorbed into the new London Borough of Redbridge.
1990s King George Hospital opens in Goodmayes (Barley Lane) — a major local hospital and A&E.
2022 The Elizabeth line opens through the area — a fast, modern link right across central London.

Famous connections

A few of the people and stories that put Goodmayes on the map.

The Elizabeth line

Goodmayes station’s transformation into an Elizabeth line stop — direct to Liverpool Street and right across central London to Paddington — is the defining feature of the modern suburb.

Goodmayes Park & King George Hospital

The 25-acre Green Flag Goodmayes Park and the major King George Hospital in Barley Lane — a big park and a major A&E both in the heart of the area.

A diverse, historic community

A suburb whose name reaches back to the medieval Gomays family and whose High Road today reflects one of the most multicultural communities in north-east London — a genuine part of its identity and appeal.

Looking beyond the mortgage

Buying a home in Goodmayes is a major commitment — and the mortgage is only part of the picture. Whatever you buy, the right protection makes sure the home stays yours if life does not go to plan.

Life cover

Pays out a lump sum if you die during the policy term — typically arranged to clear the mortgage so your family can stay in the home.

Critical illness cover

Pays out if you are diagnosed with a serious illness the policy covers — helping you keep up payments while you focus on recovery.

Income protection

Replaces part of your income if you cannot work due to illness or injury — often the most overlooked, and most valuable, cover of all.

That's Family Finance is an FCA-regulated protection adviser — life insurance, critical illness cover and income protection are what we do. We don't arrange mortgages ourselves; we introduce you to carefully selected, FCA-regulated mortgage advisers, and make sure your protection is set up properly alongside it. Talk to us →

Things people don't always tell you about Goodmayes

Beyond the brochure, a few honest points worth weighing before you commit to buying here.

A well-connected, richly diverse north-east London suburb. A characterful High Road, Good local schools, a big Green Flag park and a major hospital, with its own Elizabeth line station straight into central London and relative value compared with leafier Redbridge.
It’s a busy urban suburb. This is a dense, lively high-street district rather than a leafy one — budget for a London market, and expect competition for the best family homes near the park and the good schools.
Mind the main roads, the lease and the boundary. The A12 carries heavy traffic nearby, on flats and conversions check the lease, ground rent and service charge, and on the Chadwell Heath edge confirm which borough the address falls in; check surface-water flood risk for a specific home too.

Goodmayes compared with nearby towns

How Goodmayes sits against the places buyers most often weigh against it — a quick, indicative comparison.

Town Rough average price Station? Character
Goodmayes ~£430k–£530k Yes (Elizabeth line to Liverpool St & central London) Diverse Redbridge suburb; High Road; Goodmayes Park; King George Hospital; strong value
Seven Kings ~£450k–£550k Yes (Elizabeth line) The Elizabeth line neighbour to the west, similar in character, with Seven Kings Park
Ilford ~£400k–£500k Yes (Elizabeth line) The busy town-centre neighbour to the west, with more shops and Valentines Park
Newbury Park ~£450k–£550k Yes (Central line) The Central line neighbour to the north, with the famous bus station
Chadwell Heath ~£400k–£500k Yes (Elizabeth line) The Elizabeth line neighbour to the east, on the Barking & Dagenham edge

Pros & cons of living in Goodmayes

An honest, balanced summary to weigh up.

In its favour To weigh carefully
A well-connected, diverse suburb A busy urban high-street setting
Own Elizabeth line station across central London A12 traffic nearby
More affordable than leafy Redbridge Competition for the best family homes
Good primaries & a major hospital in the area Flats/conversions need lease & service-charge checks
Goodmayes Park & Valentines Park nearby Surface-water flood risk in low-lying spots
Strong tenant demand for landlords Chadwell Heath edge straddles another borough

Villages & areas around Goodmayes

Many buyers who love Goodmayes look just outside it too — a quick guide.

The Elizabeth line neighbour to the west, similar in character, with its own station and Seven Kings Park.
The busy town-centre neighbour to the west, on the same Elizabeth line, with more shops and Valentines Park.
The Central line neighbour to the north, known for its famous Grade II listed bus station.
The leafier neighbour to the north-west, on the Central line, near the great Valentines Park.
The suburb further north on the Central line, home to the historic Fullwell Cross area.
The neighbouring area to the north-west, on the Central line towards Wanstead.

Who tends to move to Goodmayes?

Understanding your fellow buyers helps you read the market and pitch an offer.

First-time buyers & families

People wanting value and connectivity — flats and terraces more affordable than leafy Redbridge, Good primaries, secondaries within reach, Goodmayes Park and King George Hospital on the doorstep — all with a fast Elizabeth line commute.

Commuters

People using Goodmayes’ Elizabeth line station (direct to Liverpool Street and right across central London) and the Central line at Newbury Park — well placed for the City, the West End and Stratford.

Landlords & investors

People drawn to strong tenant demand on the back of the Elizabeth line and the relative affordability — a steady buy-to-let market close to fast transport.

What your money buys in Goodmayes

A rough sense of what different budgets tend to secure — indicative only, and hugely dependent on position and condition.

Around £240,000–£320,000
A flat or conversion — the more accessible way into the area.
Around £430,000–£780,000
A Victorian or Edwardian terrace or a semi-detached family home — the heart of the Goodmayes market.
£780,000 and above
A larger period or family home, especially near the park — the top of the local market.

Your move to Goodmayes, step by step

A simple order of play that keeps things on track.

1. Get your budget straight

Work out your deposit and the true monthly cost (mortgage, council tax, insurance — which surface-water risk can affect — and SDLT, with first-time-buyer relief where it applies), and get a mortgage in principle so you can move quickly in a well-connected suburb.

2. Do your homework on the property

Check surface-water flood risk (especially for low-lying and lower-ground homes), get a full building survey (essential on period homes) and review the lease on a flat, check the school catchment and which borough the address falls in on the Chadwell Heath edge, and confirm your commute — before you fall in love.

3. Line up the right people

A whole-of-market mortgage adviser, a good surveyor and a local conveyancer will save you time, money and stress. We can introduce you to the first.

Already live in Goodmayes?

This guide isn't just for people moving in. If you already own here, a few moments now can save a lot later.

If your current mortgage deal is within about six months of ending, it's usually worth reviewing your options rather than drifting onto your lender's standard variable rate, which is often more expensive. And whether or not you're moving, it's worth checking that your protection still matches your life. We can introduce you to a whole-of-market, FCA-regulated mortgage adviser, and review your life cover, critical illness cover and income protection alongside it.

Review my options →

In summary: buying in Goodmayes

If you are weighing up a move to the town, here is the honest bottom line.

What you gain
A well-connected, richly diverse north-east London suburb — a characterful High Road with a genuine food scene, well-regarded Good schools including Goodmayes Primary and Mayespark, the 25-acre Green Flag Goodmayes Park, and King George Hospital with its major A&E right in the area — all served by its own Elizabeth line station straight into Liverpool Street and right across central London, with the Central line at Newbury Park and the A12 for drivers, at prices below the leafier Redbridge suburbs.
What to plan for
A busy urban high-street setting rather than a leafy one, a London market (with significant lending on larger family homes and lease checks on flats), main-road traffic on the A12, a surface-water flood-risk consideration in low-lying and lower-ground spots (which can affect insurance), period homes needing careful survey and checks, a competitive borough for school places, and a Chadwell Heath edge that runs up to the Barking and Dagenham boundary. (Council tax is the verified Redbridge + GLA figure; confirm your band and borough.)
How we help
We introduce you to carefully selected, FCA-regulated mortgage advisers who search across lenders to fit your circumstances — and we set your protection up properly alongside it.

Quick tips before you buy in Goodmayes

  • Enjoy the suburb — the High Road and its food scene, Goodmayes Park, and Valentines Park and Mansion within reach.
  • Make the most of the transport — Goodmayes has its own Elizabeth line station (direct to Liverpool Street and right across central London), with the Central line at Newbury Park and the A12 for drivers.
  • Note the setting — part of the Ilford area, between Seven Kings and Chadwell Heath, one of the most diverse parts of north-east London.
  • Check surface-water flood risk for low-lying and lower-ground homes (and spots near the Seven Kings Water), and confirm insurance.
  • Confirm the council tax and band — Goodmayes (London Borough of Redbridge) Band D is £2,294.58 for 2026/27 (verified); on the Chadwell Heath edge confirm the borough.
  • Budget realistically — prices are good value for London but a family home still means significant lending; use a whole-of-market adviser.
  • Note the healthcare — King George Hospital and its major A&E are right in Goodmayes (Barley Lane); verify current arrangements with the NHS.
  • Get a full building survey on a period home, and on a flat or conversion review the lease, ground rent and service charge.
  • For schools, check catchment for Goodmayes Primary and Mayespark (primary) and Chadwell Heath Academy, Mayfield and Seven Kings School (secondary).
  • Explore the High Road, Goodmayes Park and Valentines Park to get a feel for the area.
  • Note Stratford (Westfield) is a few minutes on the Elizabeth line, and central London a fast ride, for wider shopping.
  • Get a mortgage agreement in principle before you start viewing in earnest.
  • Review your protection at the same time as your mortgage — important for family buyers.
  • Take your conveyancer’s advice on the lease, flood, boundary and standard searches.

Nearby areas worth considering

If you are weighing Goodmayes against the surrounding area, these are the places buyers most often compare.

Seven Kings

The Elizabeth line neighbour to the west, similar in character, with its own station and Seven Kings Park.

Ilford

The busy town-centre neighbour to the west, on the same Elizabeth line, with more shops and Valentines Park.

Newbury Park

The Central line neighbour to the north, known for its famous Grade II listed bus station.

Family Protection

Whichever area you choose, the right life cover, critical illness cover and income protection matter just as much as the mortgage.

Talk to us →

Speak to Us

Researching Goodmayes or a nearby area? We are always happy to point people in the right direction.

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Frequently asked questions

Is Goodmayes a good place to live?
Yes — Goodmayes is an established, richly multicultural suburb of north-east London (IG3), in the London Borough of Redbridge and part of the wider Ilford area, around ten miles from the City. Its biggest draw is connectivity: its own station now runs on the Elizabeth line, with direct trains into Liverpool Street and right across central London to Paddington, plus Central line stations at nearby Newbury Park. Add a busy, characterful High Road, the 25-acre Goodmayes Park on the doorstep, King George Hospital right in the area and more affordable prices than the leafier Redbridge suburbs, and it has real appeal for first-time buyers, families and commuters. The main things to weigh are that it is a busy urban high-street suburb and that the A12 carries heavy traffic nearby.
Is Goodmayes expensive?
It is one of the more affordable parts of the London Borough of Redbridge, with prices below leafier suburbs like Wanstead or South Woodford, though still a London market well above the national average. Flats and conversions offer the more accessible ways in (often around £240,000 to £320,000), with Victorian and Edwardian terraces and larger family homes running higher. Its Elizabeth line connection, its schools and its value relative to neighbouring suburbs all support demand. Always verify current prices via Land Registry data or independent valuation advice.
Is Goodmayes on the Elizabeth line?
Yes — Goodmayes station (Zone 4) is on the Elizabeth line, with direct trains west to Liverpool Street and right across central London through Farringdon, Tottenham Court Road, Bond Street and Paddington (and on towards Heathrow), and east out to Shenfield. The Elizabeth line transformed this stretch of the Great Eastern Main Line, and the Central line is a short hop away at Newbury Park. For drivers, the A12 (Eastern Avenue) links to the wider network. Always check current timetables and service updates at tfl.gov.uk.
What is Goodmayes known for?
Goodmayes is known as a busy, richly multicultural suburb with a characterful High Road of independent shops, restaurants and food stores, its own Elizabeth line station straight into central London, the 25-acre Goodmayes Park, and King George Hospital — the major local A&E — in Barley Lane. It sits within the Ilford area of the London Borough of Redbridge, between Seven Kings and Chadwell Heath. Its combination of connectivity, community and relative value is what draws buyers to it.
Where is the nearest A&E to Goodmayes?
The nearest major hospital with a 24-hour A&E is King George Hospital, which is in Goodmayes itself, on Barley Lane (Barking, Havering and Redbridge University Hospitals NHS Trust) — so it is right on the doorstep; Queen’s Hospital in Romford and Whipps Cross in Leytonstone are also within reach, with GP provision locally. As NHS services can be reconfigured and travel times vary, always confirm current arrangements directly with the NHS.
Does Goodmayes have good schools?
Redbridge is known for strong schools. Goodmayes has well-regarded Good primaries — Goodmayes Primary and Mayespark Primary — with Good secondaries within reach in Chadwell Heath Academy and Mayfield School, and the highly regarded Outstanding Seven Kings School next door. It is a competitive borough for places, so confirm catchment and admissions with the schools and the London Borough of Redbridge, and read reports at reports.ofsted.gov.uk.
What salary do you need to buy in Goodmayes?
Using 4.5x income as a rough guide: a home around £480,000 might imply a household income in the region of £107,000, with flats and conversions needing less and larger family homes more — before your deposit. We can introduce you to an FCA-regulated mortgage adviser to look at your specific numbers. Get in touch →
How much is stamp duty on a Goodmayes property?
What you pay depends on the price and your circumstances. At Goodmayes’ values, SDLT is a real cost to budget for — though first-time-buyer relief helps at the more accessible end — and the additional-property surcharge adds more again for second homes. Use the government’s official SDLT calculator to get an exact figure.
How much is council tax in Goodmayes?
Goodmayes is in the London Borough of Redbridge, which is unparished, so your council tax has two parts: the Redbridge share (including the adult social care precept) and the Greater London Authority (Mayor of London) precept, which funds the Metropolitan Police, the London Fire Brigade and Transport for London. For 2026/27 the Band D total is £2,294.58 (verified from Redbridge’s published bands and charges), made up of the Redbridge share of £1,784.07 and the GLA precept of £510.51. Note that on the Chadwell Heath edge the area runs up to the London Borough of Barking and Dagenham boundary, whose figure differs, so check which borough a specific address falls in. Confirm your exact band with redbridge.gov.uk and the VOA.
Which police and fire services cover Goodmayes?
Goodmayes is covered by the Metropolitan Police and the London Fire Brigade, both funded through the Greater London Authority precept within your council tax. For crime data by postcode, check police.uk; for fire-safety advice, contact the London Fire Brigade.
Is Goodmayes a safe place to live?
Goodmayes is a busy urban suburb where, as anywhere in London, crime varies by area and street. The best guide is the live data for a specific postcode — check police.uk before you offer on a property.
What is there to do in Goodmayes?
Browsing the independent shops, restaurants and food stores of the diverse High Road, using Goodmayes Park for tennis, the sensory garden and green space, and visiting the great Valentines Park and Grade II* listed Valentines Mansion nearby — with Stratford (Westfield) a few minutes on the Elizabeth line and central London a fast ride for wider shopping and leisure.
What is broadband like in Goodmayes?
Superfast broadband reaches much of the area, with gigabit-capable full-fibre available in parts, so it is generally well suited to home and hybrid working. Coverage can still vary by exact address, particularly in older and converted properties, so check the specific property on the providers’ and Ofcom’s coverage checkers before you commit.
Is Goodmayes good for families?
Yes — it has well-regarded Good primaries (Goodmayes Primary and Mayespark), Good secondaries within reach (Chadwell Heath Academy and Mayfield) and the Outstanding Seven Kings School next door, the 25-acre Goodmayes Park, King George Hospital on the doorstep and a fast Elizabeth line commute; the main things to weigh are that it is a busy urban setting, main-road traffic on the A12, and (on flats) lease and service-charge questions, so plan and check carefully.
Is Goodmayes good for commuters?
Yes — it is exceptionally well connected: Goodmayes has its own Elizabeth line station with direct trains to Liverpool Street (about twenty minutes) and right across central London to Farringdon, Tottenham Court Road, Bond Street and Paddington, plus the Central line at Newbury Park and the A12 for drivers. It suits City and central-London commuters especially.
What searches should I expect when buying in Goodmayes?
The usual local authority, drainage and water searches and a survey — and, on a flat or conversion, a careful review of the lease, ground rent and service charge; for a low-lying or lower-ground home, a surface-water flood check with checks on insurance; and a full building survey is wise on a period home, with checks on covenants, boundaries and, on the Chadwell Heath edge, which borough the address falls in. Take your conveyancer’s advice for the specific property.
Is flooding a problem in Goodmayes?
Most of the area sits at lower risk of river flooding, being away from any major river channel, but surface water — and spots near the small Seven Kings Water brook — can affect some low-lying and lower-ground streets in intense rain, as in much of London — so for a specific home it is worth checking the exact postcode on the GOV.UK flood risk service and confirming buildings insurance before committing.
How do I get started with a mortgage for Goodmayes?
The simplest first step is a no-obligation chat about your budget and plans. That’s Family Finance is an FCA-regulated protection adviser and we introduce you to carefully selected, FCA-regulated mortgage advisers who search across lenders — and your protection reviewed alongside it. Get in touch →
Can existing homeowners in Goodmayes benefit from a mortgage review?
Yes — it’s often worth reviewing your mortgage before a deal ends rather than rolling onto a lender’s standard variable rate, which is frequently more expensive. We can introduce you to an FCA-regulated, whole-of-market mortgage adviser to check whether a better deal is available.

Useful resources

Need help?

Whether you're researching Goodmayes, planning a move, reviewing your finances or simply exploring your options — we're always happy to point people in the right direction.

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Written by Ben Tomlin, Financial Adviser · FCA No. 1038034 · Last reviewed July 2026

That's Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, FCA-regulated mortgage advisers.

Transport information is approximate and can change; Goodmayes has its own Elizabeth line station (Zone 4), with direct trains to Liverpool Street, Farringdon, Tottenham Court Road, Bond Street, Paddington and Shenfield, with the Central line a short hop away at Newbury Park and, for drivers, the A12 (Eastern Avenue) to the M11 and wider network — always verify current timetables and service updates at tfl.gov.uk before travelling. Ofsted information is based on the most recent publicly available reports. Redbridge is a competitive borough for school places; Goodmayes has well-regarded Good primaries (Goodmayes Primary and Mayespark Primary), with Good secondaries within reach (Chadwell Heath Academy and Mayfield School) and the Outstanding Seven Kings School next door — confirm catchment and admissions with each school and the London Borough of Redbridge. From September 2024 Ofsted no longer awards a single overall effectiveness grade at routine state-school inspections — read each school’s latest report. Healthcare: the nearest major hospital with a 24-hour A&E is King George Hospital, which is in Goodmayes itself on Barley Lane (Barking, Havering and Redbridge University Hospitals NHS Trust), with Queen’s Hospital (Romford) and Whipps Cross (Leytonstone) also within reach, and GP provision locally; NHS services can be reconfigured and travel times vary, so always verify the nearest current A&E and arrangements with the NHS. References to the High Road, Goodmayes Park, the Barley Lane playing fields, Valentines Park and Valentines Mansion are for context. Crime information is general — check current data at police.uk. Flood-risk: most of Goodmayes sits at lower risk of river flooding, but surface water — and spots near the Seven Kings Water — can affect some low-lying and lower-ground streets in intense rain, which can affect insurance; always check the exact postcode at check-for-flooding.service.gov.uk and confirm buildings insurance availability and cost before committing. Council tax: Goodmayes is in the London Borough of Redbridge (unparished); the Band D total for 2026/27 is £2,294.58 (verified from Redbridge’s published council tax bands and charges), made up of the London Borough of Redbridge share of £1,784.07 (including the adult social care precept) and the Greater London Authority (Mayor of London) precept of £510.51 — note that on the Chadwell Heath edge the area runs up to the London Borough of Barking and Dagenham boundary, whose figure differs, so confirm which borough your address falls in and your exact band with the relevant council. Property prices are indicative and based on recent public sold-price data — Goodmayes is an IG3 suburb where overall averages are often around £430,000 to £530,000, with flats from around £240,000 and larger homes higher, with a wide range by property and area; verify current values via Land Registry or an independent valuation for the exact home. Salary and affordability figures are illustrative only and do not constitute financial advice. Stamp duty figures should be verified using the official GOV.UK SDLT calculator.

The information on this page is for educational purposes only and does not constitute financial advice. That's Family Finance is an independent, FCA-regulated firm (No. 1038034).
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That’s Family Finance — Goodmayes Property & Mortgage Guide. That’s Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, FCA-regulated mortgage advisers. Written by Ben Tomlin, Financial Adviser · FCA No. 1038034. This guide is for information only and is not financial or mortgage advice. Figures change — always verify council tax with the local council, school ratings with Ofsted and journey times with the operator before you rely on them.