Justin Whitelock
Justin Whitelock has over 20 years of specialist mortgage experience, focused on expats, foreign nationals, and high-net-worth clients whose circumstances do not fit standard high-street criteria. His work spans residential mortgages, buy-to-let (including limited-company and portfolio structures), bridging finance, and development and commercial property finance for international clients. Justin operates as an FCA-authorised mortgage adviser through City Finance Brokers Limited (FCA No. 766295).
Why Mortgage London exists
Justin moved to Spain in 2001 and then to Portugal in 2007. He spent most of those years advising international buyers on cross-border property finance, and experienced expat life and the UK mortgage process from the outside, first-hand. As an expatriate himself, he came up against the challenge of securing a UK mortgage while living overseas, which gave him a real understanding of the complexities British nationals abroad face.
On returning to London, Justin saw a clear gap in the market. Specialist mortgage advice for expatriates was in high demand and hard to access. He founded Mortgage London to fill it.
The firm’s philosophy is straightforward. When a client has a strong financial profile, sufficient assets, and a well-defined UK property strategy, there is almost always a lender prepared to support them. The work is in identifying the right lender and presenting the application in the way that gives the best chance of success on the most competitive terms.
Today, Mortgage London combines Justin’s own experience as an expatriate with deep expertise in specialist lending, providing tailored mortgage solutions for clients buying into the UK property market from around the world.
Justin Whitelock
Founder of Mortgage London,
(a trading style of City Finance Brokers Limited, authorised and regulated by the Financial Conduct Authority, FCA No. 766295)
Expert Insight
“The most common case: a client is declined by a high-street bank and assumes no UK mortgage is available. In reality, the right lender usually exists often a specialist, private bank, or international division. Finding them is the job.”
Justin Whitelock
Founder of Mortgage London
Three things to know about how we work
Direct access to the founder
Every client works with Justin personally, from first conversation through to completion.
Access to a broad panel of lenders
Mortgage London operates through City Finance Brokers Limited, an FCA authorised broker with independent access to a broad panel of lenders.
Across every time zone
Consultations, updates, and document coordination are scheduled around the client’s time zone.
UK expats, foreign buyers, and international property investors
UK property finance, arranged globally. Private banks, specialist lenders, and the wider UK market.
Singapore
USA
UAE
Saudi Arabia
Qatar
Switzerland
Canada
Spain
Customer Reviews
The service that was provided was excellent and professional from start to finish. The team supported with the setup of an Expat Mortgage based on UAE earnings and the part exchange/purchase of a new build property in the UK. There were some challenges during the overall process, however the team provided guidance and expert advice throughout. I could not recommend highly enough. First Class Service!!!
Justin was extremely helpful and efficient in helping with our buy to let remortgage for our home in the UK as expats living in the US. Well priced service as well. I would recommend his services to anyone in a similar situation and would use him again.
Rachel Buckley-Mellor
KUALA LUMPUR, MALAYSIA
Very useful mortgage service. The team and in particular Justin was very efficient and reactive. He supported our remortgage. Everything was done online as we are in Singapore.
Anne Bénazet
DUBAI, UAE
Excellent service by Mortgage London. Made the purchase of my UK property as an Expat living and working in Guernsey both simple and straight forward. Obtained me excellent high street rates which as a UK non-resident, buying a UK residential property was not something I thought was possible. Super-efficient and always on hand to chat things through during the process. Will certainly be recommending them to all my expat friends looking to buy or re-mortgage UK property.
Fiona Geldard
SINGAPORE
Excellent! They were able to find me a remortgage solution that any number of other brokers failed to find, and were patient and supportive all the way up to completion. I will happily use their services again.
Raghib Masrur
SYDNEY, AUSTRALIA
Five-star service! Justin handled all of the hurdles of obtaining an expat mortgage with ease. Constant updates of the process made the ordeal transparent and easy to understand. I highly recommend Justin’s services and will certainly return in the future.
Sean Weafer
ZURICH, SWITZERLAND
I would definitely recommend Justin. He helped me get 3 mortgages over the past 10 years. It is always a great service: Justin is very helpful, reliable and fast.
Emilie Yam
MADRID, SPAIN
I worked with Justin who was quick, diligent and friendly throughout the process. He worked with me through difficult circumstances (Overseas BTL as a first time buyer) and procured me a good rate.
Sheel Trivedy
SAINT HELIER, JERSEY
Justin could not have been better to work with, knowledgeable, friendly and speedy. I highly recommend for expats looking to purchase in the UK.
Excellent Service! Justin went above and beyond to get this through. It wasn’t a straightforward re-mortgage and he completed it with excellent professionalism and was always available and kept us up to date with developments.
Are Mortgage London's services FCA-regulated?
Yes. Mortgage London is the trading style under which mortgage advice is delivered by City Finance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority (FCA No. 766295). Justin Whitelock operates as an FCA-authorised mortgage adviser through that authorisation.
Who will I speak with when I contact Mortgage London?
You will speak with Justin Whitelock directly, from the first conversation through to completion. Mortgage London is built around direct access to the founder, so there is no handoff to junior advisers or case managers.
How does Justin decide which lender fits my case?
Every case is structured around four factors: the client's country of residence, income source and currency, property type and value, and any wider financial complexity (corporate structures, non-dom status, international tax). The combination of those four tells us which lenders are likely to say yes. The work is in matching the case to the right one first, rather than submitting speculatively to the wider market.
What does it cost to work with Mortgage London?
Initial consultations are complimentary and carry no obligation. If we agree to proceed, our fees are quoted in writing up front, with a clear breakdown of what is payable and when. We do not charge retainers, and we do not take payment before a mortgage offer is in hand.
Can Mortgage London work with me if I live overseas?
Yes. The firm was built specifically for clients based overseas. Consultations are scheduled around your time zone, and the entire process (identification, documentation, application, valuation, and completion) is handled remotely. Clients in Dubai, Singapore, Hong Kong, the United States, Switzerland, Australia, Saudi Arabia, and 15 other countries use the service regularly.