Y O U R B R O K E R
David Walsh
Director & Mortgage Broker
Kite Mortgages exists because City professionals deserve a broker who understands how they're paid — and who treats the process with the same care they'd expect in their own work. That means knowing the income, knowing the lenders, and keeping you informed throughout.
Most of my clients are lawyers, investment bankers, private equity and hedge fund professionals, traders, and senior tech leaders. They earn well, but the way they're paid — bonuses, carried interest, partnership drawings, RSUs, foreign currency — creates problems that generalist brokers don't always anticipate. Our knowledge of these income structures is one half of what sets us apart. The other half is service: communication, responsiveness, and doing what we say we're going to do.
S P E C I A L I S MComplex income, large loans
Most of my work involves loans of £1m or more where the income behind it doesn't fit neatly into a lender's standard model. That could be an equity partner whose drawings fluctuate year to year, a trader whose bonus makes up most of their pay, or someone earning in dollars or euros and buying in London.
I've built direct relationships with the underwriters at the banks that actually handle these cases. When something needs a pragmatic conversation rather than a tick-box process, I can pick up the phone to someone who understands the income — rather than submitting through a portal and hoping for the best.
H O W I W O R KYou shouldn't have to chase your broker
The most common complaint I hear from clients who've used other brokers is that they didn't hear back. The broker was doing work in the background, but the client had no idea — so they assumed the worst. That, and being given five minutes on the phone then handed a form to fill in.
I set aside an hour for every first call. Everyone gets my mobile number. If you send me a question, I'll either answer it the same day or let you know when I can. We pull what we need from your documents rather than asking you to fill out forms — if we can find the information ourselves, we will. I manage the process from first conversation through to completion. I don't hand cases off and I don't disappear once the application goes in.
B A C K G R O U N DHow Kite started
I set up Kite after seeing too many clients with good incomes get poor advice because their broker didn't understand how they were paid. That's still the core of what we do — know the income, know the lenders, and give people the service they should have been getting all along.
I'm straightforward about what's achievable and what isn't. If something is outside my scope, I'll say so — and if I can, I'll point you to someone who can help.
R E C E N T C A S E SThe kind of work I do
Every case is different, but they tend to share a common thread — income that a standard lender's process wouldn't handle well. Here are a few recent examples.