Residential Mortgages
Your home is not a standard transaction. Complex income, unusual properties and tight timelines need a broker who knows which lender fits — not a comparison website.
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Private mortgage broker · United Kingdom
Mortgage advice for those the high street wasn't built for
Portfolio landlords. Company directors. High-net-worth families. Expats buying from abroad. Complex income is our everyday — we structure it, present it and place it with the right lender across the whole UK market.
100+lenders across the market
4languages of advice
UKnationwide coverage
What we arrange
Eight specialisms. One standard: bespoke.
We deliberately serve a narrow clientele so the depth of expertise stays exceptional in every case we take on.
Remortgage & Refinance
Fixed rate ending? Capital to raise? We track your deals and move you at the right moment — never a day on the standard variable rate.
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Buy to Let
From your first investment property to a structured limited-company portfolio — lending built around your growth plan, not a single transaction.
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HMO & Multi-Unit Block Finance
Specialist lending for houses in multiple occupation, multi-unit freehold blocks and mixed-use assets — where the high street won't go.
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Directors & Self-Employed
Retained profits, dividends, day rates, one year of accounts — we present your income the way specialist underwriters need to see it.
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Contractor Mortgages
Day rate, umbrella company or limited company — lenders assess contractor income differently, and the right route can double what you qualify for.
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Expat & Foreign National Mortgages
UK property finance for British expats and foreign nationals — foreign income, foreign address, no UK credit footprint? We arrange it anyway.
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High-Net-Worth & Large Loans
Discreet, bespoke finance for complex wealth — private banks, interest-only structures, multi-currency income and lending well beyond £1m.
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Your broker
Advice with a name, not a call centre
Agnes Mortgage is built on one principle: clients with complex finances deserve one senior broker who knows their whole picture — every company, every property, every plan — and stays with them for years, not one transaction.
- Fully qualified, FCA-regulated mortgage broker
- Advice in English, German, Spanish and Hungarian
- Direct line to your broker — including WhatsApp
How it works
From first call to keys — in three moves
1
Private consultation
A confidential conversation about your income structure, assets and objectives — by phone, video or in person.
2
Strategy & sourcing
We model the options across the whole market, structure the case for underwriting and recommend the strongest route.
3
Managed to completion
We run the application and chase lender, valuer and solicitors — you get milestone updates, not paperwork.
★★★★★
Agnes restructured our five-property portfolio into a limited company arrangement that our accountant had been recommending for years. Executed flawlessly.
James W.★★★★★
As a company director with retained profits, high-street lenders simply didn't understand my income. Agnes found a lender who did — within a week.
Charlotte H.★★★★★
Buying in London while working in Singapore felt impossible until this firm took over. Every document, every time zone, handled.
Dr. Priya N.★★★★★
Külföldön élő magyarként azt hittem, esélyem sincs brit jelzáloghitelre. Agnes bebizonyította az ellenkezőjét.
Tamás K.★★★★★
The HMO refinance saved us a five-figure sum annually. Sharp, discreet, and genuinely whole-of-market.
Oliver B.★★★★★
Our large loan needed private bank treatment. Agnes negotiated terms we couldn't have reached ourselves.
Sophie D.★★★★★
Als deutscher Unternehmer in London war die Beratung auf Deutsch ein unbezahlbarer Vorteil. Absolut professionell.
Markus F.★★★★★
Remortgaged three buy-to-lets in one coordinated move before our fixed rates expired. Not a single day on the SVR.
Eleanor R.★★★★★
Self-employed for two years and still got a competitive rate. The presentation of my accounts made all the difference.
Daniel O.★★★★★
Compramos nuestra primera propiedad en Manchester desde Madrid. Todo el proceso fue claro y sin sorpresas.
Isabella M.★★★★★
Portfolio landlord with 12 units — Agnes is the first adviser who modelled the whole picture instead of one deal at a time.
George T.★★★★★
Responsive at hours no bank would ever be. WhatsApp updates at every milestone of the application.
Hannah L.★★★★★
A cégem osztalékjövedelmét egyetlen nagybank sem fogadta el. Itt két hét alatt volt ajánlatom.
Viktor S.★★★★★
Complex income, multiple currencies, offshore structure — handled with total discretion and zero drama.
William P.★★★★★
First HMO purchase. The lender criteria maze was terrifying alone; with Agnes it was a checklist.
Amara J.★★★★★
Como expatriada, el trato en español me dio una confianza enorme. Recomendable al cien por cien.
Lucía G.★★★★★
Our bridging-to-term exit was arranged before the bridge even completed. That's planning.
Henry C.★★★★★
Moved our entire portfolio remortgage forward six months and locked rates before the rise. Foresight you pay brokers for.
Freya A.★★★★★
Die Finanzierung unserer Ferienimmobilie in Cornwall lief reibungslos — trotz Wohnsitz in München.
Stefan B.★★★★★
Large loan, unusual property, tight deadline. Delivered on all three.
Nathan E.★★★★★
Vállalkozóként végre valaki, aki érti a beszámolót és a bank nyelvét is. Köszönjük!
Zsófia H.★★★★★
The annual review caught a product switch that saved us £340 a month. Proactive, not reactive.
Grace M.★★★★★
From first call to offer in 11 working days on a £1.4m purchase. Exceptional.
Arthur D.Serious about your next move?
Whether it's a twelfth buy-to-let or a first UK purchase from abroad, one conversation will tell you exactly what is possible.
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Contact
Start the conversation
Tell us a little about your plans and we will come back to you within one working day — by phone, email or WhatsApp, whichever you prefer.
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Phone+44 7944 318518
HoursMon–Fri 9:00–18:00 · evenings by appointment
CoverageThe whole United Kingdom