Residential Mortgages

First home to forever
Any stage
Gov schemes
& 95% options
Any loan size
First home to £1m+
What we arrange
✓First-time buyer mortgages
✓Home movers & upsizers
✓Large & high-value loans
✓Help to Buy & shared ownership
✓Buying via a company or from abroad
✓Unusual income & credit history
A decline from a mainstream lender says little about what is achievable. With the right lender and a well-presented case, we secure residential finance others turn away.

Whether you’re a first-time buyer, moving home, or purchasing an additional property, Soul Mortgages provides whole-of-market mortgage advice to find the right deal for your circumstances, not just what your bank happens to offer.

We work with clients across the full spectrum of residential purchases: straightforward first-time buyer mortgages, large loans for high-value properties, complex income situations, and purchases that fall outside standard lender criteria. Our advisers take the time to understand your situation and match you with the lenders most likely to say yes, on the best terms available.

Types of Residential Mortgage We Arrange

  • First-time buyer mortgages: We guide you through the whole process, from understanding how much you can borrow to submitting your application and liaising with solicitors
  • Home mover mortgages: Moving home whilst selling your existing property adds complexity, we manage both sides to ensure everything aligns
  • Large loan mortgages: For loans over £1 million, we work with private banks and specialist lenders who have higher lending limits and greater flexibility
  • Complex income: Self-employed, contractors, multiple income sources, foreign currency income, we know which lenders assess these most favourably
  • Government schemes: We advise on schemes such as the Mortgage Guarantee Scheme (95% LTV) and Shared Ownership where applicable

Why Use Soul Mortgages?

With 19 years of experience and relationships with private banks, specialist lenders, and the full high street market, we regularly secure outcomes that clients couldn’t achieve going direct. We handle the paperwork, chase the lender, and keep you updated at every stage, so you can focus on the move.

Get residential mortgage advice →

Your home may be repossessed if you do not keep up repayments on your mortgage.

Residential Mortgage FAQs

Common questions on borrowing, deposits and complex income.

How much can I borrow for a residential mortgage?
Most lenders cap borrowing at around 4.5× your income, but 5-6× is available for higher earners and certain professions, and specialist or private lenders can go further for complex or substantial income. We give you a realistic figure based on your full circumstances, not a one-size-fits-all calculator.
Can I get a mortgage if I’m self-employed or paid in bonuses and dividends?
Yes. We regularly arrange residential mortgages using self-employed profits, dividends, bonuses, commission and retained profit, with lenders who assess the whole picture rather than a single payslip.
How big a deposit do I need?
Typically from 5-10% for standard cases, though a larger deposit unlocks better rates. For high-value or complex cases, lenders weigh the wider financial picture as well as the deposit.
I’ve been declined elsewhere, can you still help?
Often, yes. A decline from one lender says little about what is achievable with the right lender and a well-presented case. That is a core part of what we do.

Your home may be repossessed if you do not keep up repayments on your mortgage.