Mortgage broker in Knightsbridge and Mayfair
Knightsbridge and Mayfair sit at the very top of the London market. Buyers are often international, wealth is frequently held across several countries and currencies, and purchases may be made through trusts or companies. Most of these cases sit well outside high street lending and need a private bank or specialist lender that understands the full picture.
Soul Mortgages is a whole of market broker based on Great Portland Street, a short walk from Mayfair. We arrange super-prime and high net worth mortgages for clients buying and remortgaging in Knightsbridge, Mayfair, St James’s and Hyde Park, with access to private banks, specialist lenders and the high street.
Knightsbridge and Mayfair property and what lenders look for
Super-prime houses and apartments
Loans at this level are usually arranged with private banks, which look at your whole balance sheet, including investments, business interests and future liquidity events, rather than income alone.
International buyers
Lenders assess residency, the source of your wealth and the currency of your income. We prepare this evidence early so the bank’s onboarding and underwriting run in parallel.
Trusts and corporate ownership
Some clients buy through a trust or company for estate planning reasons. Fewer lenders will consider these structures, so we identify those that will before you commit, and work alongside your legal and tax advisers.
Estate leases and service charges
Much of Mayfair is held on long leases from historic estates, and many apartments carry significant service charges. We check lease terms and running costs early so they support the application.
Who we help in Knightsbridge and Mayfair
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
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 cases are shared between more than one lender.
Can I borrow if I am not resident in the UK?
Yes. Several private banks and specialist lenders lend to non-UK residents buying in prime London, subject to their own criteria on residency, currency and source of wealth.
Can you arrange a mortgage for a property held in a company or trust?
In many cases, yes. Fewer lenders will consider these structures, and terms differ, so we compare those that will and work with your solicitor and tax adviser.
How quickly can a private bank complete?
It depends on the bank’s onboarding and the complexity of your wealth. Preparing documents early makes the biggest difference, and we coordinate this from the first conversation.