Mortgage Advice For Professionals
Specialist Mortgage Advisers.
We work with a variety of lenders.
Access to competitive rates and some you can't get direct.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Get in touch for a fee free, no-obligation chat about how we might be able to help you.
How We Support You
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If you’re buying a home, refinancing, or navigating a more complex financial situation, you want clear advice, a smooth process, and a broker who understands exactly what you need. That’s exactly what we offer at Kite Mortgages.
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We work with busy professionals who value their time and want to feel confident in their decisions — whether you’re a lawyer, tech industry professional, foreign national, expatriate, or earning variable income such as bonuses or RSUs. We understand how lenders assess these situations and can structure your application accordingly.
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Our goal is to make the mortgage process efficient, transparent, and as stress-free as possible. We manage the process behind the scenes — dealing with lenders, solicitors and other parties — so you won’t need to chase updates or second-guess anything.
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You’ll receive honest, straightforward advice at every step, so you can move forward with confidence — whether your priority is securing the right deal, maximising borrowing, or keeping things flexible for the future.
Our Areas of Expertise
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If you work in law, you’ll know that the mortgage market doesn’t always keep pace with the realities of your income — especially as you progress through your career. Whether you’re an associate, newly made-up partner or equity partner, we understand how firms pay — from salary and drawings to bonuses and profit share — and we know which lenders will treat your income favourably. We’ll help you maximise borrowing potential, structure your mortgage around partnership changes, or refinance as your income grows. And because we work with busy professionals, we keep the process smooth, efficient and fully tailored to your schedule.
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Navigating the UK mortgage market as a foreign national can feel daunting — but it doesn’t need to. Whether you’re relocating for work, buying a family home, or investing in UK property, we’ll guide you through the process. We specialise in helping clients on visas (including Tier 2), with overseas income, or limited UK credit history. We know which lenders are flexible, what documentation they’ll require, and how to position your application to maximise approval. Our expertise saves you time, removes uncertainty, and ensures you can move forward with clarity and confidence.
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If you’re paid in a foreign currency but want to buy or refinance a property in the UK, specialist advice is essential. Many lenders restrict how much of your income they’ll use — or won’t accept it at all — especially when exchange rate volatility is a concern. We work with lenders who fully understand international income streams and can structure your mortgage using the maximum allowable income, without unnecessary ‘haircuts’. Whether you’re employed overseas, part of an international firm, or receiving bonus or dividend income in foreign currency, we’ll help you access the right mortgage options.
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Software engineers and developers often face income structures that aren’t well understood by mainstream lenders. You may work on a contract basis, be paid via a limited company, have variable income, or receive a large proportion of your earnings as bonuses or RSUs. We specialise in helping tech professionals navigate these challenges and secure the right mortgage — whether you’re buying your first home, moving up the ladder, or refinancing. We know which lenders can assess your income properly and how to position your case for success, so you can focus on your career while we handle the complexities.
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If you’re a UK national living and working abroad, or a foreign national with UK property interests, arranging UK mortgages can be more complex than expected. Many high street lenders won’t accept expat income, and requirements for proof of earnings and tax residency can be opaque. We specialise in securing mortgages for expats — whether for your UK family to reside or you plan to return home. We work with lenders who understand expat profiles and can structure borrowing based on your real financial position, helping you access competitive rates and smooth approval — even across borders.
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Not every client fits the mould of a simple salary and payslip. If your income includes profit share, bonuses, dividends, carried interest, stock options, or multiple streams from UK and international sources, lenders can struggle to assess it properly. We don’t. This is one of our core areas of expertise — and we know which lenders understand complex income and how to present it to secure the right level of borrowing for you. Whether you’re an executive, business owner, partner or professional with multiple income strands, we’ll help you navigate the market and structure a solution that fits your financial life.
What Our Clients Say
Meet the Team
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David Walsh
DIRECTOR AND MORTGAGE ADVISER
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Simon Hart
MORTGAGE AND PROTECTION ADVISER
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Natalie Salmon
CLIENT SERVICES COORDINATOR
