0208 144 3102Our Story
The REF Capital team are regarded as some of the leading mortgage brokers in the industry. With extensive product knowledge and excellent lender relationships we can meet your mortgage needs where other brokers have failed.
We advise on residential mortgages, buy to let and limited company mortgages for clients in the UK. We specialise in loans above £1m and have expert knowledge in financing short lease property.
If you are buying a property, we work closely with the selling agent to ensure expectations are met and finance is provided within the timescales of the sale.
Our Specialisations
Areas where we excel and deliver exceptional results
High Net Worth (£1M+)
Expert knowledge in securing large loans with high street lenders and private banks. We understand the complexities of high-value financing.
Buy To Let Specialists
Experts knowledge in placing all types of buy to let properties.
Complex Cases
We succeed where other brokers fail, with bespoke solutions for unique circumstances and challenging scenarios.
Our Network
We can make recommendations to trusted professionals across the industry:
- Leading tax advisors for structuring purchases tax-efficiently
- Industry-leading property lawyers for conveyancing
- Reputable search, estate and relocation agents
- Professional valuers and surveyors
We’re confident that you will be completely satisfied with your experience at REF Capital, both with the service we provide and the additional benefits of working with us.
Why Choose REF Capital
What makes us the most suitable choice for your mortgage needs
Whole of Market Access
Access to all available mortgage products, not just a limited panel
30+ Years Experience
Decades of industry expertise and knowledge
£1M+ Specialists
Expert knowledge in high-value property financing
Expert Negotiation
Strong lender relationships for the most suitable terms
Personalised Service
Tailored advice for your unique circumstances
Success Focused
We deliver where other brokers fail
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