Mortgage brokerin Kensington and Chelsea

For purchases above £1m in Kensington and Chelsea, we typically work with private banks, specialist high-value lenders, and international mortgage desks rather than standard high-street lenders. These lenders assess income more holistically — including bonuses, offshore income, trust distributions, and overseas assets — and can accommodate complex ownership structures. Loan-to-value ratios are often lower (60–70%) but product flexibility is much greater.

Standard SDLT on a £1.4m purchase totals £91,250: 0% on £125k, 2% on £125,001–£250,000 (£2,500), 5% on £250,001–£925,000 (£33,750), and 10% on £925,001–£1.4m (£47,500). For a second property or overseas buyer, the 5% surcharge applies across all bands, bringing the total to £161,250. At the ultra-prime end of the market, specialist tax advice on purchase structure is advisable alongside the mortgage.

UK mortgage lenders can lend to non-UK residents, though fewer mainstream lenders offer international mortgage products. We work with private banks and specialist international lenders who are experienced in financing purchases for overseas buyers, expats, and high-net-worth individuals with global income. Requirements typically include a larger deposit (25–40%), UK-based income evidence or strong offshore financial documentation, and sometimes a UK bank account.