Mortgage broker in St John’s Wood and Hampstead
St John’s Wood and Hampstead are home to some of London’s largest family houses, and to buyers whose wealth rarely fits a standard affordability model. Detached villas, garden flats in period conversions and homes on private roads often call for loans well beyond high street limits, supported by bonuses, business income or overseas earnings.
Soul Mortgages is a whole of market broker based on Great Portland Street in Central London. We arrange mortgages for high net worth and complex income clients in St John’s Wood, Hampstead, Belsize Park, Primrose Hill and Swiss Cottage, with access to private banks, specialist lenders and the high street, advising by video call or phone.
St John’s Wood and Hampstead property and what lenders look for
Detached villas and large family houses
Many homes here sit well above the loan sizes high street lenders are comfortable with. Private banks can lend at these levels, sometimes in return for placing investments with them, while some specialist lenders will go to similar sizes without that requirement.
Period conversions and garden flats
Victorian and Edwardian houses converted into flats are common. Lenders look closely at the lease length, any share of freehold arrangement and whether the conversion had the right consents.
Conservation areas and listed homes
Much of Hampstead and St John’s Wood lies within conservation areas, and some homes are listed. This rarely stops lending, but valuations can take longer and some lenders limit what they will lend on unusual properties.
Buying before your sale completes
Families moving within North West London often find the right house before their own has sold. Bridging finance can secure the purchase, repaid when the existing home completes.
Who we help in St John’s Wood and Hampstead
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 I borrow more than the high street will lend?
Often, yes. Private banks and specialist lenders look at wealth, investments and future income rather than salary alone, so loans well into seven figures are possible where the overall picture supports it. We compare both routes before recommending one.
Will a private bank ask me to move my investments?
Some do, typically asking for part of the loan value to be held with them as investments or deposits. Others do not. We set out what each lender expects so you can weigh the rate against the commitment.
Can you help if I am buying before selling my current home?
Yes. Bridging finance can fund the purchase while your sale completes, with the long-term mortgage arranged to follow. We check the exit and the total cost before you commit.
Do I need to come to your office?
No. We advise clients by video call or phone at a time that suits you, and documents are shared securely online.