Mortgage broker in Wimbledon
Wimbledon offers large family homes within easy reach of the City and the West End, which makes it popular with professionals whose pay is weighted towards bonuses and deferred awards. Lenders vary widely in how much of that income they will count.
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 Wimbledon Village, Wimbledon Park, West Wimbledon, Raynes Park and Southfields, with access to private banks, specialist lenders and the high street, advising by video call or phone.
Wimbledon property and what lenders look for
Large detached and semi-detached family homes
Homes around the Village, the Common and Wimbledon Park often need loans above standard high street limits. Private banks and specialist lenders can lend at these levels where the overall financial picture supports it.
Bonus-heavy and deferred pay
Many lenders count only part of a bonus or ignore deferred share awards altogether. Others average recent years or count vested shares. Choosing the right lender can make a large difference to how much you can borrow on bonus and RSU income.
Moving within the area
Families upsizing locally often find the right house before their own has sold. Bridging finance can secure the purchase, repaid when the existing home completes.
Working to a fixed timetable
Moves are often planned around school places and term dates. An agreement in principle early, with a lender able to work to your timescale, helps keep the purchase on track.
Who we help in Wimbledon
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
How much of my bonus will lenders count?
It varies. Some lenders count only part of a bonus, others use an average of the last two or three years, and a few will count more where there is a clear history. We find the lenders whose approach gives you the most borrowing at a sensible cost.
Can RSUs or deferred shares be used as income?
Some lenders, particularly private banks, will count vested shares or a regular pattern of awards. Unvested awards are rarely counted in full. We review your award history and payslips to see which lenders will use them.
Can I buy before I sell my current home?
Yes. Bridging finance can fund the purchase while your sale completes, with the long-term mortgage arranged to follow. We check the exit and the total cost before you commit.
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.