Mortgage broker in Marylebone and Fitzrovia
Our office is on Great Portland Street, on the border of Marylebone and Fitzrovia, so this is where many of our clients live and work. The area combines Georgian terraces, mansion blocks, mews houses and flats above shops and offices, much of it held on leases from the historic estates. That mix makes lender choice especially important.
Soul Mortgages is a whole of market broker arranging mortgages for professionals, high net worth and complex income clients buying and remortgaging in Marylebone, Fitzrovia, Regent’s Park and Bloomsbury, with access to private banks, specialist lenders and the high street.
Marylebone and Fitzrovia property and what lenders look for
Mansion blocks and estate leases
A large share of Marylebone is held on leases from the historic estates. Lenders check the remaining lease term, ground rent and service charges, and we flag short leases early so an extension can be planned.
Flats above commercial premises
Many Fitzrovia flats sit above shops, restaurants or offices. Some lenders restrict lending where there is commercial use below, so we match the property to lenders that accept it.
Mews houses
Mews homes can come with shared access or estate management arrangements. We make sure these are understood by the lender and your solicitor early.
Pied-à-terre and second homes
Buying a London base alongside a main home brings different affordability and stamp duty considerations. We structure the borrowing around both properties.
Who we help in Marylebone and Fitzrovia
How we work
- An initial conversation about the property, your income and your timescales.
- We assess your full financial position, including assets and variable pay.
- We compare private banks, specialist lenders and the high street side by side.
- We present a clear, well packaged case to the right underwriter.
- We manage the case through valuation, offer and completion with your solicitor and agent.
Frequently asked questions
Do I need to come to your office?
No. Most of our meetings are held by video call or phone, and you can book a call at a time that suits you. Meetings at our Great Portland Street office are available by appointment.
Can you get a mortgage on a flat above a shop?
Often, yes. Some lenders restrict lending above commercial premises, particularly food outlets, but others are comfortable. We check the property before you apply so the case goes to the right lender.
Do you arrange mortgages for medical professionals?
Yes. Some lenders offer enhanced terms for doctors, dentists and other professionals, including those moving into private practice. See our professional mortgages page.
Can I buy a pied-à-terre while keeping my main home?
Yes. We look at affordability across both properties and the extra stamp duty that applies to additional homes, and structure the borrowing to suit.