Mortgage broker in Cobham, Oxshott and Weybridge
Cobham, Oxshott and Weybridge in Elmbridge, Surrey are among the most affluent places in the country, with large detached homes, private gated estates such as St George’s Hill, and fast access to London, the M25 and Heathrow. Homes here regularly call for loans well into seven figures, and buyers are often business owners, senior executives and international families.
Soul Mortgages is a whole of market broker arranging mortgages for high net worth and complex income clients across Cobham, Oxshott, Weybridge, St George’s Hill, Esher, Claygate and Walton-on-Thames, with access to private banks, specialist lenders and the high street.
Elmbridge property and what lenders look for
Private gated estates
Homes on private estates such as St George’s Hill come with estate rules, road charges and management arrangements. Lenders and solicitors check these, so we gather the details early.
Super-prime and large detached homes
Loans at this level are usually arranged with private banks, which look at your whole balance sheet, including investments and business interests, rather than income alone.
New-build and rebuilt homes
Many homes are newly built or rebuilt to a high specification. Some lenders cap lending on new-build homes, and a rebuild may need staged development finance before a final mortgage.
Homes with land and outbuildings
Pools, staff accommodation and extra land need careful valuation. We match the property to lenders comfortable with it.
Who we help in Cobham, Oxshott and Weybridge
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 get a mortgage on a home on St George’s Hill?
Yes. Lenders are familiar with the estate, but they and your solicitor will check the estate rules, road charges and any covenants. We gather these early so they do not delay the purchase.
Is there a maximum loan size?
There is no upper limit on the loans we arrange. Very large loans are usually placed with private banks, and some are shared between lenders.
Can lenders use my retained company profits?
Some can. A number of lenders will consider your share of retained profits as well as salary and dividends, which can make a significant difference to how much you can borrow.
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.