Throgmorton Street in the City of London with people in business attire walking past the Pavilion Finance offices at Warnford Couty and modern buildings under a clear blue sky.

Expert insights

Our perspective from inside the mortgage market.

Drawing on decades of experience working with clients and lenders, we explore how the mortgage market really approaches complex and unusual circumstances.

Our insights cover overseas borrowers, complex income, specialist buy-to-let and high-value lending, helping you understand the considerations that can shape a lender’s decision.

Expats & overseas workers
High-value & private bank
Specialist buy-to-let
Complex income
Two white cruise ships sailing on the dark blue ocean past a remote island coastline.
How lenders really assess overseas income
The Lujiazui skyline in Pudong, Shanghai, China in front of cloudy sky.
Your country of residence matters more than you think
Silhouette of downtown Dubai skyline with Burj Khalifa at sunset.
Why one lender says YES when another says no
View of the Eiffel Tower in Paris, France, in a park with trees.
What underwriters wish every expat knew
A high value heritage house with sash windows and chimneys, overlooking a green and trees.
Asset rich, income poor: Looking at the full picture
Red brick terraced houses on a green in Kensington, London.
Why £1m, £2m and £5m loans are different markets
A large stone manor house with chimneys in front of an expansive mowed lawn.
Interest only: Why HNW borrowers are treated differently
The white panelled doorway of a large stone house with green wisteria.
What private banks really mean by a "wider relationship"
Row of old beige brick houses with small windows, some with white window frames, on a city street under a partly cloudy sky.
BTL: cheapest rate vs. best structure
A quiet street lined with old brick terraced houses.
Specialist BTL is rarely about just one complication
A quaint yellow brick terraced house with white window shutters and ivy climbing the walls.
Growing a property portfolio reduces lender choice
Tall, historic buildings with ornate facades in the City of London financial district.
Complex income is becoming the new normal.
The Walkie Talkie skyscraper on Fenchurch Street in the City of London.
Diversified income is harder for lenders to understand
An old stone cottage with slate roof in front of green trees and blue sky.
Short-term lets can still make lenders nervous
A view of city skyscrapers across a red and cream coloured iron rail bridge in Manchester.
Same earnings but different borrowing power
View of The Gherkin, a modern, glass-covered skyscraper in the City of London.
Tax-efficient does not always mean mortgage-efficient
A rundown stone and tile barn surrounded by trees, ready for conversion.
You can afford to build it. But can you fund it?
Throgmorton Street in the City of London with people in business attire walking past the Pavilion Finance offices at Warnford Couty and modern buildings under a clear blue sky.
Why should I use a mortgage broker?
A modern construction house with panelled glass walls and curving white roof.
Non-standard construction: more than just a label
A white house with slate roof on a cliff with trees, overlooking the sea.
Why a desirable property can be difficult to mortgage

Visit our knowledge hubs….

Expats & overseas workers
High value & private bank mortgages
Specialist buy-to-let mortgages
Complex income

Start a conversation….

…. or call us on 0207 126 8200.

…. or call us on 0207 126 8200.