Mortgage specialist for expats & foreign nationals
01
FCA Regulated
Trusted mortgage advice under UK regulation.
02
Global Clients
Supporting clients worldwide with UK property finance.
03
Lender Access
Access to private banks and specialist lenders.
04
Trusted Network
Recommended by leading UK property professionals.
Reputation
Your reputation rides on every referral
When you introduce a client to Mortgage London, three things are guaranteed. We respond to the introduction within one working day. We keep you informed at every meaningful milestone, without needing to be chased. And we never approach your client to take over the wider relationship.
Who we work with
Four categories of professional introducer
Estate Agents
When your buyer is overseas, on foreign-currency income, or buying UK property as a non-resident, the mortgage is often the part most likely to stall the sale. We handle it.
Typical cases:
UK expat purchasing remotely from Dubai, foreign national acquiring London property, international buyer with no UK credit history.
Solicitors and Conveyancers
When a case involves overseas residency, foreign-currency income, offshore ownership, or non-standard credit history, we have relationships with the lenders best placed to handle it.
Typical cases:
non-resident purchase, offshore or SPV acquisition, cross-border remortgage, large loan above one million pounds.
Accountants and Tax Advisers
For clients with self-employed or multi-source income, non-dom status, international tax positions, or limited-company buy-to-let structures, the right lender is rarely a high-street one.
Typical cases:
non-dom UK mortgage, limited-company buy-to-let, entrepreneur with income across three jurisdictions.
IFAs & Wealth Managers
For high-net-worth clients requiring substantial UK mortgage finance, private banking solutions, or asset-driven affordability rather than pure income, we have access to private banks that rarely deal with clients directly.
Typical cases:
Large London acquisition, private-bank mortgage, interest-only high-net-worth residential, HNW client refinance.
Cases we take
If your client's case looks like any of these, we can help
01
UK expat purchasing or remortgaging from overseas
02
Foreign national acquiring UK property
03
First-time buyer expat purchasing from abroad
04
Buy-to-let investment for non-residents
05
Limited company and SPV buy-to-let structures
06
Portfolio landlord expanding UK holdings from abroad
07
Holiday home and second property purchase
08
High-net-worth client requiring a private bank mortgage
09
Self-employed borrower with complex or multi-source income
10
Client with no UK credit history or banking footprint
11
Interest-only residential mortgage for expat or international client
If the mainstream route is unavailable or unsuitable, we will tell you, quickly, whether we can place the case. Early conversations are always welcome; the best time to involve us is before the client has committed to a specific property or lender.
How the referral works
A simple four-step process
01
You introduce the client
A short note by email or phone with the client’s name, country of residence, property type, and borrowing requirement.
02
We assess and advise
Within 24 to 48 hours, we confirm whether the case is placeable and which lender route fits best. You and the client both hear from us.
03
We manage to completion
We handle documentation, lender communication, and negotiation through to formal offer and drawdown.
04
Fee is settled on completion
Introducer fee arrangements reflect standard market practice, agreed in writing before any referral, and paid on completion.
Our commitment to you
How we operate
A named adviser on every referral
A specific person handles your case, not a shared inbox.
Written arrangements in advance
Terms, fees, and points of contact confirmed in writing before your first referral.
Structured milestone notifications
Automatic updates at assessment, application, valuation, offer, and completion.
File handling to professional standards
Documentation stored securely, handled under UK GDPR, and shared only with the lender concerned.
Clear case records
Every case documented in writing from the first call. No ambiguity about what was discussed or agreed.
Reciprocal referrals in confidence
We maintain a curated list of trusted legal, tax, property-search, and wealth-management partners, and route clients accordingly.
London Mortgage Adviser
25+ years arranging UK mortgages for clients who live elsewhere
Mortgage London was founded by Justin Whitelock. Justin has 25+ years advising on UK mortgage finance, with a focus on expat, foreign-national, and high-net-worth clients whose cases fall outside high-street criteria. He is regularly quoted in The Guardian, Yahoo Finance, and The Telegraph. His own experience as a UK expat informs how the firm works.
UK mortgages placed for expats and foreign nationals
£757,000,000
What introducers say
What introducers say
We refer expat clients to Mortgage London regularly. They take the complexity out of the mortgage so we can focus on the transaction. Our clients come back to us, and so do we.
Ahmed Al-Rashidi
CHARTERED FINANCIAL PLANNER
Our overseas clients often struggle to find a broker who genuinely understands their situation. Mortgage London keeps both us and the client in the loop. That matters as much as the outcome
Ahmed Al-Rashidi
DIRECTOR, PRIME LONDON ESTATE AGENCY
I have referred several HNW clients with complex income. The team is responsive, professional, and respects the client relationship. They stay in their lane, which is exactly what we want.
Michael Whitfiel
DIRECTOR, PRIME LONDON ESTATE AGENCY
We’ve worked with many brokers before, but very few understand overseas buyers this well. The experience felt personal, not transactional.
Alexa Mi
DIRECTOR, AGENCY DESIGN
What types of cases do you take?
The ones mainstream lenders tend to decline or struggle to place. UK expats buying or remortgaging from abroad, foreign nationals acquiring UK property, high-net-worth clients requiring private-bank solutions, buy-to-let investors (including limited-company and portfolio structures), and self-employed or complex-income borrowers. If your usual broker has already said no, the case is often one we can take.
How are introducer fees structured?
Our introducer fee arrangements reflect standard market practice and are flexible by case. Full terms are confirmed in writing before your first referral. Fees are paid on completion of the mortgage, and we do not expect any payment from you, the client, or the referral until the case has completed.
How quickly will I hear back on a referral?
Within one working day of receiving the client's details. For an initial assessment of whether the case is placeable, typically within 24 to 48 hours. For complex cases involving private banks or multiple jurisdictions, occasionally longer, and we will tell you that up front so you and the client can plan accordingly.
What happens to my relationship with the client?
It remains yours. We are engaged on the specific mortgage we are referred for, and we do not approach your client for services outside that engagement. If your client needs something beyond our remit, we tell them to come back to you. Reputation protection on referrals is the thing we take most seriously.
Do you accept referrals from outside London?
Yes. While we are based in London, we work with introducers and clients across the United Kingdom and internationally. Our remote-first model for client-facing work extends to introducer relationships. Geography is rarely a barrier to a good working arrangement.
Do you refer clients back to introducers?
Yes, where it is appropriate and where the client would genuinely benefit. Our clients frequently need property-search advice, conveyancing, tax planning, wealth management, or insurance. We maintain working relationships with trusted professionals in each of these areas and are open to building reciprocal arrangements with introducers whose services fit our client base.
Get in touch
Start a conversation with the team
If you would rather speak before committing anything in writing, we are happy to. A short call, no preparation needed, no arrangement implied.