Mortgage broker in Richmond and Barnes
Richmond and Barnes combine riverside living with some of South West London’s most expensive family homes. Many buyers are professionals and business owners moving out from central London, with income that does not fit neatly into a standard affordability calculator.
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 Richmond, Barnes, East Sheen, Kew, Twickenham and St Margarets, with access to private banks, specialist lenders and the high street, advising by video call or phone.
Richmond and Barnes property and what lenders look for
Large family houses near the river and the park
Family homes around Richmond Hill, Barnes and Kew frequently need loans above standard high street limits. Private banks and specialist lenders can step in where the loan is large or income is complex.
Riverside homes and flood risk
Some homes close to the Thames sit in flood risk areas. Lenders will want suitable buildings insurance in place, so we check the flood position early and can point you to specialist buildings insurance where it is needed.
Victorian and Edwardian conversions
Converted flats are common across the area. Lenders look at the remaining lease, any share of freehold arrangement and whether the conversion had the right consents.
Extensions and renovations
Many buyers plan to extend or refurbish after they move in. Borrowing for later works can be arranged through a further advance, a remortgage or a second charge, depending on the lender and the project.
Who we help in Richmond and Barnes
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 property in a flood risk area?
Usually, yes. Many lenders will lend on homes in flood risk areas provided suitable buildings insurance is in place. We check the flood position early and can introduce specialist insurers if standard cover is not available.
I am a partner or self-employed. How will lenders assess my income?
Usually on your share of profits from the last one to three years of accounts or tax calculations. Some lenders can use the latest year alone where income has risen. We match you to lenders whose approach suits how you are paid.
Can I borrow for an extension after I buy?
Often, yes. Depending on the lender and the works, this can be a further advance from your existing lender, a remortgage once the works are done, or a second charge loan. We set out the cost of each option.
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.