Mortgage advice for high net worth and complex income clients

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

Our mainstream mortgage service works with over 108 lenders and offers clear, personal advice, either face-to-face or remotely. When a case calls for it, we also draw on 432+ specialist lenders.

Our Private Client service provides specialist advice to Ultra High Net Worth and High Net Worth individuals, complex cases and investor mortgages. We have access to a wide range of specialist providers, including private banks, investment banks and private lenders, many of which are not typically available to traditional brokers and advisers.

Soul Mortgages gives you access to Protection specialists through our mainstream and private services, so our clients have the appropriate insurance cover they need, from personal protection to specialist business and property protection.

Whichever route suits you, you’ll work with one experienced adviser from start to finish.

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Our Services

Private Client +

Ultra/High Net Worth, Complex & Investor Mortgages

Loans from £2m upwards via private banking & alternative lending institutions where asset-based lending, liquid investments and complex income structures form part of the affordability assessment.

Mortgages +

Mortgages

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

Protection +

Protection

A range of protection insurance advice on a whole of market basis. Coverage for personal and business needs across a range of products to suit your circumstances.

Specialist +

Specialist

Structured property finance and debt advisory basis; bridging, commercial finance and development finance, a range of expertise from our highly trained team on specialist funding options.
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.

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
★★★★★

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

Anthony Owide
Senior Accessibility Specialist
★★★★★

“Got the best deal on first application. Excellent, highly recommended.”

Suresh Sankarankutty
UK Ministry of Defence
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