Business Details
13 Years
experience
Your Trusted Mortgage Broker in London
We are an independent mortgage brokerage firm established to provide tailored mortgage solutions for residential, buy-to-let, and commercial properties. Our expertise lies in accessing complex and high-value mortgage products through relationships with private banks, boutique lenders, and offshore institutions. With a team possessing decades of combined experience in mortgage advisory services, we specialise in navigating intricate financial scenarios for professionals, self-employed individuals, and property investors.Our commitment to market-leading transparency ensures clients receive impartial advice aligned with their unique circumstances. By maintaining regulatory compliance through our association with the Financial Conduct Authority, we uphold rigorous professional standards while delivering bespoke mortgage strategies that prioritise client objectives.
Services
Residential Mortgages
Large Mortgages
Buy to Let Mortgages
Remortgages
First Time Buyer Mortgages
Self-Employed Mortgages
Professional Mortgages
Contractor Mortgages
Bridging Finance
Commercial Finance
Details
- Year established: 2013
Highlights and features
- We offer access to the entire mortgage market including exclusive private bank partnerships
- Our team specialises in arranging mortgages exceeding 1 million
- We provide tailored advice for complex financial circumstances including self-employed clients
- We maintain regulatory compliance through our association with the Financial Conduct Authority
- Our advisers have decades of combined experience in high-value property financing
What people say
Reliable and trustworthy support
Excellent up-to-date knowledge
Stress-free mortgage process
First-class outcomes
Highly recommend the team
Services
Residential Mortgages
We provide tailored residential mortgage solutions for property purchasers at all levels. Our independent status allows access to exclusive deals across high street banks, private lenders and offshore institutions. Specialising in complex cases, we help clients secure competitive rates for primary residences through comprehensive market analysis and lender negotiation.
Large Mortgages
Our expertise lies in arranging mortgages exceeding 1 million for premium properties and investment portfolios. Through established relationships with specialist lenders, we navigate complex financial structures for high-net-worth individuals. We deliver bespoke financing solutions that accommodate unique income profiles and multi-property holdings while maintaining regulatory compliance.
Buy to Let Mortgages
We offer strategic buy-to-let mortgage advice for property investors seeking portfolio growth. Our market access includes specialist lenders with flexible criteria for rental income assessment. We provide cashflow analysis and stress-testing to ensure investment viability while optimising tax efficiency and long-term returns for landlords.
Bridging Finance
Our bridging finance solutions provide rapid funding for property transactions requiring immediate liquidity. We connect clients with lenders offering competitive rates for secured short-term loans, ideal for auction purchases or development projects. Our advisory process ensures clear exit strategies and manageable repayment terms.
Commercial Finance
We arrange commercial mortgages for business premises and investment properties. Our lender network accommodates diverse business structures and complex income patterns. We specialise in financing solutions for corporate entities, partnerships and entrepreneurs seeking property-backed funding with tailored repayment structures.
People
Michael Atkinson
Co-Founder
Qualified mortgage adviser with 20+ years' experience specialising in complex financing for professionals and high-net-worth individuals. Former accountant with deep market knowledge, established Summit Capital Mortgages in 2013.
Ian Broadrick
Co-Founder
Experienced mortgage broker qualified since 1993, previously with leading firms John Charcol and Hamptons International. Specialises in building long-term client relationships and navigating complex mortgage markets.
Questions
What types of mortgages do you offer?
We provide residential, buy-to-let, commercial, and specialist mortgages including large loans, bridging finance, and development funding across London and the South East.
Are you regulated by the Financial Conduct Authority?
Yes, we operate as appointed representatives of Mortgage Force (UK) Ltd, which is authorised and regulated by the Financial Conduct Authority.
Can you help with complex income situations?
Our specialists work with self-employed professionals, contractors, and high-net-worth individuals to secure mortgages through lenders that understand non-standard income structures.
Do you charge fees for your services?
We disclose any applicable fees upfront, typically no more than 1% of the loan amount, payable upon mortgage completion as agreed during initial consultations.
How do you find competitive mortgage rates?
Our independent status grants access to the whole market, including exclusive private bank deals, allowing us to negotiate competitive rates tailored to your circumstances.
Reviews (3)
Michael Zeller
Oct 17, 2012
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Michael is one of the most knowledgable mortgage brokers we know. As a family who has moved a few times in the past few years we know about the bad advice which can be given from time to time in this industry. Cheers Mike, and thanks for finding us the best deal on the market.
Stephen Taylor
Aug 11, 2012
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I was looking to borrow a relatively large amount on my new purchase. I spoke with another broker that was quoted in the Telegraph as being a specialist in large mortgages. However, the options they presented to me were pretty poor and didn't really fit with what I was looking to do. I then found Summit Capital Mortgages and they provided me with a fantastic mortgage offer through a small private bank, I hadn't come across before. The mortgage is now completed and I will definitely look to use Summit Capital Mortgages again in the future.
Mario Sanchez
Jun 09, 2012
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I am a little older than the average person who 'remortages'. The banks told me it couldnt be done. I had to look elsewhere. Here I am with Mike. He is second to none, and I have my solution. WOW!
