Private client mortgage broker in London, across the UK and internationally
Soul Mortgages is a whole of market mortgage broker based on Great Portland Street, a few minutes from Marylebone and Fitzrovia. We arrange mortgages for high net worth and complex income clients buying, remortgaging and investing across London and the South East, from Kensington, Chelsea and Mayfair to Highgate, Mill Hill, Chigwell, Sevenoaks and Cobham.
Prime London property rarely fits a standard lending model. Loan sizes often exceed what high street lenders will offer, income is frequently made up of bonus, carried interest or overseas earnings, and many homes are period, listed or leasehold properties that need an underwriter who knows the area. We work with more than 108 lenders, including private banks, specialist lenders and the high street, and package each case so the lender sees strength, not complexity.
Who we help
West and Central London
We act for clients right across West, South West and Central London, and meet in person at our office or at a time and place that suits you. These are some of the areas where we arrange lending most often.
Kensington and Holland Park
Stucco townhouses, garden squares and mansion flats, many in conservation areas. Large loans, listed buildings and leasehold detail are common.
Chelsea and Belgravia
Prime family houses and lateral apartments where private bank lending and interest-only structures are often the best fit.
Knightsbridge and Mayfair
Super-prime purchases, international buyers and wealth held across several countries and currencies.
Marylebone and Fitzrovia
Our home turf. Mansion blocks, mews houses and pied-à-terre purchases, often on leasehold or share of freehold.
Notting Hill
Period houses, garden flats and conversions, with buyers whose income often comes from bonus or self-employment.
Fulham and Parsons Green
Victorian family houses, upsizing professionals and buy-to-let investors.
Richmond and Barnes
Larger family homes near the river, where bridging finance can help when a sale and purchase do not line up.
Wimbledon
Detached and semi-detached family homes, upsizing purchases and remortgages to raise capital or restructure borrowing.
St John’s Wood and Hampstead
Large detached houses and apartments, often bought by international families and owners with complex wealth.
North London, Essex, Kent and Surrey
We also act for clients beyond West and Central London, particularly in North London, Essex, Kent and Surrey.
Islington and Angel
Georgian and Victorian terraces, conversions and share of freehold flats, often bought by City and tech professionals.
Southgate, Winchmore Hill and Hadley Wood
Large family homes, extensions and upsizing moves, with many business owner and professional buyers.
Mill Hill, Totteridge and Barnet
Large detached and green belt homes, rebuilds and upsizing moves on the North West London edge.
Chigwell, Loughton and Buckhurst Hill
The Essex Golden Triangle. Large detached and rebuilt homes, business owner income and seven figure loans.
Highgate and Hampstead Garden Suburb
Listed Georgian homes, the Arts and Crafts Suburb and some of London’s largest houses near The Bishops Avenue.
Sevenoaks, Tunbridge Wells and Chislehurst
Large family homes, private estates and period farmhouses in West Kent, with fast trains into the City.
Cobham, Oxshott and Weybridge
Super-prime homes and private gated estates such as St George’s Hill.
What we arrange
How it works
- An initial conversation about the property, your income and your plans.
- We review your full financial picture, not just your payslip.
- We compare private banks, specialist lenders and the high street side by side.
- We package your case and present it to the lender’s underwriter.
- One adviser manages the case through to completion, working with your solicitor and agent.
Frequently asked questions
Do you have an office in West London?
Our office is at 167-169 Great Portland Street, W1W, in Central London, a short journey from Kensington, Chelsea and Notting Hill. We advise clients across West and Central London in person, by phone and by video call.
Can you arrange mortgages above £2 million?
Yes. There is no upper limit on the loans we arrange. For larger loans we compare private banks and specialist lenders alongside high street lenders that still lend at that level.
Do I need to move my investments to a private bank?
Not always. Many private banks expect some assets to be held with them, but it varies by bank and by case. We explain what each lender expects so you can compare the full cost. Read more in our guide to private bank mortgages vs the high street.
Can you help if I live overseas?
Yes. We regularly arrange mortgages for UK expats and foreign nationals buying in London, including income paid in other currencies. See our international mortgages page.