Private client mortgage advisers

Advice for high net worth, complex and investor mortgages

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108
mainstream lenders
432+
specialist providers
19
years’ experience
Recent work
First-time buyer
£340k secured

Complex income assessed and placed with a specialist lender, completed in 21 days.

Flexi Drawdown
£180k facility

Director drew capital in stages against her home, keeping her fixed first-charge rate.

Self-employed director
Approved in 21 days

Retained-profits income the high street declined, arranged via a private bank.

Who we help

At Soul Mortgages, we dig deep to find solutions to your mortgage problems. Our service spans mainstream, private client, structured finance and international mortgages.
What do we do

We advise on mainstream mortgages across 108+ lenders, and draw on 432+ specialist lenders, private banks and investment banks when a case needs more. Many of these lenders are not available to traditional brokers. That covers high net worth, complex income and investor mortgages, structured property finance (bridging, development and commercial), and international clients buying in the UK or financing property abroad.

We also arrange protection, from personal cover to business and property insurance. Whichever route suits you, one experienced adviser works with you from first call to completion, by video call or phone.

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Our Services

Private Client +

Ultra/High Net Worth, Complex & Investor Mortgages

Loans from £2m upwards via private banking and alternative lending institutions, spanning asset-based lending, liquid investments and complex income structures.

Mortgages +

Mortgages

Traditional mortgage advice and sourcing across residential purchase, remortgage, buy-to-let, contractor, self-employed and freelancer needs, from 108 lenders on a whole-of-market basis.

Protection +

Protection

Whole-of-market protection insurance advice, covering personal and business needs across a range of products to suit your circumstances.

Specialist +

Specialist

Structured property finance and debt advisory, including bridging, commercial and development finance, from a highly trained specialist funding team.

Reviews

Rated 5 out of 5 by clients & their advisers

★★★★★

“The only person able to help was Ritesh, a true specialist. 11/10.”

James Goff
Solicitor & Partner, Keystone Law
★★★★★

“Excellent service from beginning to end. We couldn’t recommend Ritesh highly enough.”

Taranjit Jhita MBE
Foreign & Commonwealth Office
Ninder Jhita
Senior Associate Immigration Lawyer
★★★★★

“They always find us outstanding deals, even during turbulent times.”

Anthony Owide
Senior Accessibility Specialist
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Frequently Asked Questions

A quick introduction to who we are and how we work.

What does Soul Mortgages specialise in?
Soul Mortgages is a specialist broker for high net worth, ultra high net worth and complex-income clients, arranging residential, buy-to-let and specialist finance through private banks and specialist lenders. We focus on cases that do not fit standard high-street criteria.
Does Soul Mortgages charge a fee?
It depends on the work involved. Mainstream and straightforward cases typically carry an admin fee of £495 to £995. Private client and complex cases are charged up to 1% of the loan plus an admin fee, and higher percentage fees may apply for secured, business and specialist finance. We are also paid commission by the lender. Your exact fee is always agreed in writing before you proceed.
Is Soul Mortgages regulated?
Soul Mortgages Ltd is an Appointed Representative of Acer Consultancy Services Ltd, which is authorised and regulated by the Financial Conduct Authority. Not all products we arrange are FCA regulated, for example most buy-to-let, some bridging, and specialist finance such as commercial, development and business loans.
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