Mortgage broker in Chelsea and Belgravia
Chelsea and Belgravia are home to some of London’s most valuable houses and apartments, from the garden squares off the King’s Road to the white stucco terraces around Eaton Square. Loan sizes here often sit beyond high street appetite, and much of the property is held on long leases from the great estates, which brings its own questions for lenders.
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 buying and remortgaging in Chelsea, Belgravia, Pimlico and Sloane Square, with access to private banks, specialist lenders and the high street.
Chelsea and Belgravia property and what lenders look for
Family houses and garden squares
Large period houses often need loans that only private banks and a small number of specialist lenders will consider. These lenders assess your whole balance sheet rather than a simple income multiple.
Estate leases
Much of Belgravia and parts of Chelsea are held on leases from the historic estates. Lenders look closely at the remaining lease term, ground rent and any estate consents for alterations, so we check these early and plan around them.
Lateral apartments and riverside homes
Apartments with porterage and high service charges are assessed carefully on affordability. We present service charges and running costs clearly so they do not surprise the underwriter.
Listed buildings and conservation areas
Many homes are listed or sit in conservation areas. We match the property to lenders comfortable with it before you apply.
Who we help in Chelsea and Belgravia
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
Will a private bank expect me to move my investments?
Many private banks expect some assets to be held with them, but it varies by bank and by case. We set out what each lender expects so you can compare the full cost, not just the rate.
Can you lend on a property held on an estate lease?
Yes. Most lenders are comfortable with long leases from the established estates. We check the remaining term and any estate consents early so they do not hold up the purchase.
Is interest-only possible on a Chelsea home?
Often, yes, for borrowers with a credible repayment plan such as investments, other property or a planned sale. Lenders set their own minimums, so we match you to those that fit.
Can you help if I am buying from overseas?
Yes. We regularly arrange mortgages for UK expats and foreign nationals buying in Chelsea and Belgravia, including income paid in other currencies. See our international mortgages page.