Mortgage broker in Islington and Angel
Islington is one of North London’s most sought-after boroughs, with Georgian and Victorian terraces in Barnsbury, Canonbury and Highbury, garden squares, and a short commute to the City, King’s Cross and the West End. Many buyers are lawyers, bankers and technology professionals whose pay includes bonus or shares, buying period homes and conversions that come with leasehold detail lenders look at closely.
Soul Mortgages is a whole of market broker based on Great Portland Street in Central London. We arrange mortgages for professionals, high net worth and complex income clients buying and remortgaging in Islington, Angel, Barnsbury, Canonbury, Highbury and Clerkenwell, with access to private banks, specialist lenders and the high street.
Islington property and what lenders look for
Georgian and Victorian townhouses
Period family houses on Islington’s squares often need larger loans. Private banks and specialist lenders can look at your whole financial position rather than a fixed income multiple.
Conversions and share of freehold flats
Many homes are flats in converted houses, held leasehold or on a share of freehold. Lenders check the lease term, ground rent and how the freehold is managed, so we review these early.
Conservation areas and listed homes
Large parts of Islington are conservation areas and some homes are listed. We place the case with lenders comfortable with the property from the start.
Flats above shops
Homes above shops and restaurants on Upper Street and nearby are popular, but some lenders restrict lending above commercial premises. We match the property to lenders that accept it.
Who we help in Islington
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
Can my bonus or RSUs count towards my mortgage?
Often, yes. Lenders treat variable pay differently, from a cautious share to most of it with the right track record. We find the lender that makes the best use of your full package. Read our guide to borrowing on bonus, RSUs and carried interest.
Do you arrange mortgages on share of freehold flats?
Yes. Most lenders accept share of freehold, but they want to see the lease and how the freehold company is run. We check this before you apply.
Is a professional mortgage available to me?
Some lenders offer enhanced terms for lawyers, doctors, accountants and other professionals, sometimes including newly qualified ones. See our professional mortgages page.
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.