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.
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
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 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.