When your client needs a specialist, not a high street bank.
Refer with confidence, knowing they’re in expert hands. Trusted by estate agents, solicitors, accountants, and financial advisers across the UK.
Become an Introducer
Partner with a Specialist Expat Mortgage Broker
If your work involves assisting clients with UK property transactions, you’ll understand how complex the mortgage landscape can become. This is particularly true when clients live overseas, earn in foreign currencies, or have non-standard financial circumstances.
We specialise in the cases that mainstream lenders often decline. UK expats purchasing from abroad, foreign nationals investing in UK property, high net worth individuals with complex income structures, and buy-to-let investors building portfolios from overseas. These are precisely the clients who need specialist guidance, and precisely where professional introducers prove invaluable.
We welcome referrals from trusted professionals and have formal arrangements in place to recognise your introductions.
The Challenge
Clients living overseas or earning in foreign currencies often find themselves declined by mainstream lenders. High street banks frequently lack the appetite or expertise to assess non-standard applications, leaving clients frustrated and transactions at risk of falling through.
This is where Mortgage London can help.
Who We Work With
We regularly receive referrals from professionals across the property and financial services sectors, including the following.
Estate Agents Whether your client is a UK expat purchasing remotely from Dubai or a foreign national investing in London property, we can assist with the mortgage complexities that might otherwise delay or derail a transaction.
Solicitors and Conveyancers When your client’s mortgage situation requires specialist attention, such as foreign currency income, no UK credit history, or non-resident status, we have access to lenders who understand these circumstances.
Accountants and Tax Advisers Clients with complex income structures, self-employment, or international tax positions often struggle with mainstream lenders. Our whole-of-market access includes private banks and specialist lenders experienced in assessing non-standard financial profiles.
Independent Financial Advisers and Wealth Managers For high net worth clients seeking substantial mortgages or those with intricate financial arrangements, we provide access to private banking solutions and bespoke lending terms.
Why Introduce Clients to Mortgage London?
Specialist Expat and Foreign National Expertise We focus exclusively on complex mortgage cases. Our founder, Justin Whitelock, brings over 25 years of mortgage experience and firsthand knowledge of expat life. This means he genuinely understands the challenges your clients face when securing UK finance from abroad.
Whole-of-Market Access Unlike banks or restricted brokers, we search across the entire lending market, including specialist lenders and private banks that don’t accept direct applications. This means we can often find solutions where others cannot.
Cases We Regularly Assist With
- UK expats purchasing or remortgaging from overseas
- Foreign nationals buying UK property
- First-time buyer expats purchasing from abroad
- Buy-to-let investments for non-residents
- Limited company buy-to-let purchases
- Portfolio landlords expanding UK holdings from abroad
- Holiday home and second property purchases
- High net worth and private bank mortgages
- Self-employed borrowers with complex income
- Clients with no UK credit history or banking footprint
- Interest-only residential mortgages
A Straightforward Process We handle the complexity so your client doesn’t have to. From initial assessment through to completion, we manage the application, liaise with lenders, and keep all parties informed throughout.
Mortgage London at a Glance
- 25 years of mortgage experience
- Whole-of-market access to over 100 lenders
- Specialist focus on expat and foreign national cases
- FCA regulated
- Based in London
How It Works
1. Introduce Your Client Contact us by phone or email with your client’s basic details and circumstances. We’ll take it from there.
2. We Handle the Complexity Our team assesses the case, identifies suitable lenders, and manages the application process from start to finish.
3. Stay Informed Throughout We keep you updated on progress at key milestones, so you’re never left wondering about your client’s status.
4. Receive Your Introducer Fee Once the mortgage completes, we process your fee in accordance with our agreed arrangements.
Our Introducer Arrangements
We have formal introducer arrangements in place and are always pleased to discuss how we might work together. Referrals are handled with discretion, and we ensure clear communication throughout the mortgage process so you remain informed of progress.
Many of our introducer relationships develop into long-term partnerships, with professionals returning to us whenever a complex case crosses their desk.
Reciprocal Referrals
We also refer our clients to trusted professionals when they require specialist advice beyond our remit. This includes property search services, legal guidance, tax planning, and wealth management.
If you believe your services would benefit our client base, we’d welcome a conversation about establishing a reciprocal referral relationship.
What Our Introducers Say
“We regularly refer expat clients to Mortgage London. They understand the complexities and keep us informed throughout. Our clients are always well looked after.”
Senior Partner, Central London Law Firm
“Our overseas clients often struggle to find a broker who genuinely understands their situation. Mortgage London delivers every time, and the process is always smoother than expected.”
Director, Central London Estate Agency
“I’ve referred several high net worth clients with complex income structures. The team is professional, responsive, and keeps me in the loop from start to finish.”
Independent Financial Adviser, Marylebone
Learn More About Partnering With Us
Frequently Asked Questions
What types of cases do you accept?
We specialise in mortgage cases that fall outside mainstream lending criteria. This includes UK expats purchasing or remortgaging from overseas, foreign nationals buying UK property, high net worth individuals requiring private bank solutions, buy-to-let investors including limited company and portfolio structures, and self-employed borrowers with complex income arrangements. If a mainstream lender has declined your client, we can often assist.
How are introducer fees structured?
We have formal introducer arrangements in place and are happy to discuss terms on an individual basis. Fee structures are agreed in writing before any referrals are made, ensuring clarity and transparency for both parties.
Will I be kept informed of my client’s progress?
Yes. We understand that your professional reputation is connected to the referrals you make. We provide updates at key milestones throughout the mortgage process, including initial assessment, application submission, valuation, and completion. You will always know where your client’s case stands.
How quickly can you assess a case?
We typically provide an initial assessment within 24 to 48 hours of receiving the client’s details. For particularly complex cases, we may require additional information before confirming feasibility. Our aim is always to give you and your client a clear indication of options as promptly as possible.
Do you accept referrals from professionals based outside London?
Yes. While we are based in London, we work with introducers and clients across the United Kingdom and internationally. Our expertise in remote mortgage applications means geography presents no barrier to working together.
What information do you need to assess a case?
For an initial assessment, we typically require the client’s country of residence, employment status, income currency, property type, estimated property value, and approximate borrowing requirement. This allows us to identify potentially suitable lenders and provide an early indication of feasibility.
Can you assist if another broker has been unable to place the case?
Yes. We regularly assist with cases that other brokers have struggled to place. Our whole-of-market access includes specialist lenders and private banks that do not accept direct applications or work with generalist brokers. If there is a viable solution, we are well positioned to find it.
Do you handle both residential and buy-to-let cases?
Yes. We assist with residential purchases, remortgages, buy-to-let investments, limited company structures, portfolio lending, HMO properties, and holiday let mortgages. Our expertise covers both owner-occupier and investment scenarios for clients based in the UK and overseas.
How long does the mortgage process typically take?
Timelines vary depending on case complexity, lender requirements, and property chain factors. Most applications complete within 8 to 12 weeks from initial enquiry. We provide realistic timeline expectations at the outset and keep both you and your client informed of progress throughout.
Will you consider my client’s case?
We welcome cases of all types and assess each on its individual merits. Our expertise is particularly suited to clients whose circumstances fall outside mainstream lending criteria, such as those with foreign currency income, complex employment structures, or non-standard property requirements. Please get in touch to discuss how we can help.
Get in Touch
If you’d like to discuss introducer arrangements or have a client who requires specialist mortgage assistance, we’d be pleased to hear from you. Please give us a call or send a note and a member of our team will be in touch.