Mortgage broker in Southgate and Winchmore Hill
Southgate, Winchmore Hill, Grange Park, Cockfosters and Hadley Wood offer some of North London’s largest family homes, with green space, well regarded schools and Piccadilly line links into the West End. Buyers are often families upsizing, business owners and professionals, and homes at the top end of the area call for loans beyond what many lenders will offer.
Soul Mortgages is a whole of market broker arranging mortgages for high net worth, self-employed and complex income clients across Southgate, Winchmore Hill, Grange Park, Oakwood, Cockfosters and Hadley Wood, with access to private banks, specialist lenders and the high street.
North London property and what lenders look for
Edwardian and 1930s family houses
Many homes have been extended into the loft or to the rear. Lenders will want to see the right approvals and building regulation sign-off, so we flag anything missing early.
Large detached homes
Hadley Wood and parts of Winchmore Hill have substantial detached houses where loans can run well into seven figures. Private banks and specialist lenders can assess your whole balance sheet rather than income alone.
Rebuilds and major extensions
Where a home is being substantially extended or rebuilt, staged development or self-build finance may fit better than a standard mortgage. We arrange the build funding and the refinance at the end.
Business owner income
Lenders differ widely on salary, dividends and retained profits. We present your income the way the right lender wants to see it.
Who we help in Southgate and Winchmore Hill
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
Which areas do you cover in North London?
We advise clients across Southgate, Winchmore Hill, Grange Park, Oakwood, Cockfosters, Hadley Wood, Enfield and Barnet, as well as Islington and Hampstead, by video call and phone, at a time that suits you.
Can you help me borrow more as a business owner?
Often, yes. Some lenders will consider retained profits as well as salary and dividends, which can increase how much you can borrow. We find the lenders that suit how you are paid.
Can I raise money for an extension without remortgaging?
Yes. A further advance or a second charge can raise capital while leaving your existing mortgage in place. We compare these with a full remortgage so you can see the total cost.
Can I buy before I sell?
Often, yes. Bridging finance can secure your purchase while your current home is sold. We set out the costs and the exit plan before you proceed.