Business Details
13 Years
experience
Your Trusted Mortgage Broker in London
Established in 2013, Summit Capital Mortgages is an independent mortgage brokerage headquartered in London, serving clients across the South East and the UK. Our expertise lies in sourcing tailored mortgage solutions for residential, buy-to-let, commercial, and high-value properties, leveraging relationships with high street lenders, private banks, and offshore institutions. With a focus on complex financing needs, we prioritise access to competitive rates and products suited to individual client circumstances.Our team combines deep market knowledge with a commitment to transparent, client-centric service, ensuring clarity throughout the mortgage process. Recognised for our work with professionals, self-employed individuals, and property investors, we provide bespoke advice supported by a network of introducers, including estate agents and accountants. Our regulatory compliance and FCA authorisation underscore our dedication to ethical standards and client protection.
Services
Residential Mortgages
Large Mortgages
Buy to Let Mortgages
Commercial Finance
Bridging Finance
Development Finance
Equity Release
Professional Mortgages
Self-Employed Mortgages
Remortgages
Details
- Year established: 2013
Highlights and features
- We are FCA-authorised independent brokers with access to the entire mortgage market.
- Specialise in arranging mortgages over 1 million for complex property transactions.
- Maintain relationships with private banks and offshore lenders for niche financing needs.
- Our team has decades of combined experience in mortgage advisory services.
- Provide tailored solutions for professionals, self-employed individuals, and property investors.
What people say
Reliable and trustworthy support
Excellent knowledge
Stress-free process
First-class outcomes
Highly recommended
Services
Residential Mortgages
We provide tailored residential mortgage solutions for first-time buyers and property upgraders. Our access to the entire market ensures competitive rates and flexible terms. Our expertise simplifies the process of securing finance for your primary residence.
Large Mortgages
Specialising in mortgages exceeding 1 million, we connect clients with lenders offering bespoke financing for premium properties. Our relationships with private banks facilitate solutions for complex high-value transactions across residential and commercial sectors.
Bridging Finance
Our bridging finance solutions provide rapid funding secured against property assets. Ideal for property chain gaps or urgent purchases, these short-term loans offer flexible terms while permanent financing is arranged.
Commercial Finance
We arrange commercial property financing for investors and businesses. Our access to specialist lenders ensures competitive rates for office spaces, retail units, and industrial properties across the UK market.
Equity Release
Our equity release solutions help homeowners unlock capital from their property. We provide regulated advice to ensure suitable plans that balance immediate financial needs with long-term implications.
People
Michael Atkinson
Co-Founder
Former accountant turned mortgage expert with 20+ years' experience. Specialises in high-net-worth clients and complex financing. Co-founded Summit Capital Mortgages in 2013 after working at major brokerages.
Ian Broadrick
Co-Founder
Qualified financial advisor since 1993 with extensive brokerage experience. Former John Charcol advisor and Hamptons International team leader. Co-founded Summit Capital Mortgages in 2013 to provide bespoke mortgage solutions.
Questions
Are you truly independent mortgage brokers?
Yes, we are FCA-authorised independent brokers with access to the entire mortgage market, including exclusive products from private banks and offshore lenders.
Do you specialise in specific mortgage types?
We specialise in complex mortgages including high-value loans, buy-to-let portfolios, commercial properties, and specialist finance solutions like bridging and development loans.
How do you charge for your services?
We typically charge a fee of up to 1% of the loan amount, payable on completion. We always disclose fees at the earliest opportunity during initial consultations.
Can you help self-employed applicants?
Yes, we work with lenders that understand non-standard income structures and can demonstrate your true earning potential through tailored documentation approaches.
What protection services do you offer?
We provide comprehensive protection advice including life insurance, critical illness cover, income protection, and property insurance to safeguard your mortgage commitments.
Do you work with other professionals?
We collaborate with estate agents, accountants, and financial advisers to provide integrated solutions, ensuring seamless service for clients referred through our professional network.
