Notting Hill, Fulham and Parsons Green

Mortgage broker in Notting Hill and Fulham

Notting Hill and Fulham are two of West London’s most established prime markets: stucco villas and garden square homes in Notting Hill, and long streets of Victorian terraces around Parsons Green and Sands End. Prices regularly take loans beyond high street comfort levels, and many buyers have income that standard lenders find hard to assess.

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 Notting Hill, Ladbroke Grove, Bayswater, Fulham, Parsons Green and Sands End, with access to private banks, specialist lenders and the high street, advising by video call or phone.

108+
Lenders and private banks
No upper limit
Loan size
One adviser
First call to completion

Notting Hill and Fulham property and what lenders look for

Stucco villas and communal garden homes

Homes on Notting Hill’s garden squares carry high values and sometimes shared garden arrangements. At these loan sizes, private banks and specialist lenders are often the best fit.

Extended Victorian terraces

Fulham’s terraces are often extended into the loft, the side return or a basement. Lenders expect planning consent and building regulations sign-off for the works, so it pays to have the paperwork ready early.

Flats in converted houses

Many flats are leasehold or share of freehold. Lenders check the remaining lease, ground rent and service charges, and some are cautious about short leases.

Second homes and investment purchases

Both areas attract investors and buyers wanting a London base. Whether you buy as a second home, a buy-to-let or through a company changes which lenders can help and the tax you pay.

Who we help in Notting Hill and Fulham

Executives paid through bonus, RSUs or carried interest
Entrepreneurs and company directors
International buyers and UK expats
Landlords and limited company buyers
Families upsizing within West London
Buyers drawing on wealth and investments rather than salary alone
At Notting Hill and Fulham prices, stamp duty is a significant part of the budget, especially for additional homes and non-UK resident buyers. Check your figures with our stamp duty calculator before you make an offer.

How we work

  1. An initial conversation about the property, your income and your timescales.
  2. We assess your full financial position, including assets and variable pay.
  3. We compare private banks, specialist lenders and the high street side by side.
  4. We present a clear, well packaged case to the right underwriter.
  5. We manage the case through valuation, offer and completion with your solicitor and agent.

Frequently asked questions

Will an extension without sign-off cause problems?

It can. Lenders and their valuers expect planning consent and building regulations completion for loft and basement works. Missing paperwork can often be resolved with an indemnity policy or a retrospective certificate, but it is best checked before you commit.

Can I get a mortgage for a second home in London?

Yes. Lenders treat a second home differently from a main residence or a buy-to-let, and higher rates of stamp duty usually apply. We match you to lenders that offer second home mortgages and set out the full costs.

Is a private bank the right choice in Notting Hill?

Not always. Many purchases suit high street or specialist lenders. A private bank tends to make sense for very large loans, complex income or where you already hold significant investments. We compare both before recommending one.

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.

In Notting Hill and Fulham, the paperwork behind the property often matters as much as the price.
Nearby areas and related services
All areas we cover→Kensington→Chelsea and Belgravia→Buy-to-Let Mortgages→
Speak to a private client adviser about your Notting Hill or Fulham purchase

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Your home may be repossessed if you do not keep up repayments on your mortgage. Some forms of buy-to-let, commercial and bridging finance are not regulated by the Financial Conduct Authority.