UK Specialist Mortgage Broker
Introduction to Fox Davidson
Fox Davidson stands as a leading specialist mortgage broker, renowned for providing expert mortgage advice to clients throughout the UK. We specialise in property finance and have extensive knowledge of all areas of property finance. With a proven track record of success, our team of experienced mortgage advisers is dedicated to guiding clients through the often complex mortgage process.
Whether you are a first time buyer taking your first steps onto the property ladder or a seasoned investor seeking the right mortgage for your next buy to let, we offer unbiased advice tailored to your individual circumstances.
As a specialist mortgage broker with access across the market we have access to a wide range of mortgage deals and ensure you secure the right mortgage for your needs. Our commitment is to make the entire process as stress free as possible, delivering expert UK mortgage advice and support every step of the way.
At Fox Davidson, we pride ourselves on helping clients achieve their property goals with confidence, backed by our extensive knowledge, experience, and dedication to outstanding service.
Expert UK Mortgage Brokers.
Securing the right mortgage for your dream home or investment property shouldn’t be a stressful experience. Fox Davidson has established itself as an award winning mortgage broker with a proven track record, trusted by thousands of clients across the UK to provide expert mortgage advice and guide them confidently through the entire mortgage process.
Call or send us an email to discuss your mortgage requirements in confidence with a member of the team.
Fox Davidson is a fully FCA regulated mortgage broker recognised by industry awards as a top UK mortgage broker. Renowned for delivering innovative mortgage solutions that extend beyond traditional lending approaches. We work closely with a wide range of mortgage lenders, including high street banks, specialist broker-only lenders, and private banks, enabling us to secure exclusive deals and some of the best mortgage rates available in today’s competitive property market.
Our commitment to excellence is reflected in the outstanding star ratings and glowing client testimonials we receive. Clients consistently praise our professional approach, trusted advice, and ability to secure mortgage offers even in challenging financial situations, such as for self employed individuals or those with poor credit history. At Fox Davidson, we take the time to understand your financial situation and personal circumstances to recommend the right mortgage options that align perfectly with your goals.
Working by phone, email and video call we serve clients in the UK as well as international clients wishing to secure property finance on UK property. With offices in London and the South West, we are ideally positioned to serve clients both locally and internationally while maintaining the personal touch that sets us apart.
Our award winning bespoke service has helped secure billions of pounds in mortgage loans for a diverse client base, including first time buyers, buy to let landlords, and experienced property developers and investors building substantial portfolios.
- First Time Buyer: Including small deposit options
- Remortgage: Switch deals, reduce rates, or release equity in your current home.
- Home Mover: Including porting existing mortgages.
- Buy to Let: Including HMO, MUFB & portfolio finance
- High Net Worth Mortgages Bespoke mortgage advice for high value properties, often via private banks.
- Professionals: Custom mortgages for high-earning professionals like doctors or lawyers, with up to 6x income borrowing.
- Complex Property: Including unusual construction types & property with large acreage
- Commercial Mortgages: For investors & business premises
- Bridging Loans: Fast bridging loans including regulated bridging loans & property refurbishment bridge loans
- Development Finance: New build, refurbishment, HMO conversions
Benefits of Using a Mortgage Broker
Choosing a UK mortgage broker like Fox Davidson offers a host of advantages that can make a real difference in your homeownership journey. Our mortgage brokers have access across the market, searching 1,000’s of mortgage deals from high street banks and specialist lenders to find the best deal for your unique situation.
Our specialist mortgage advice is especially valuable for clients with complex income, self employed individuals, high net worth clients or those seeking buy to let mortgages and other specialist commercial mortgages. We have established relationships with all types of lenders who understand complex financial backgrounds, enabling us to secure the best mortgage rates even in challenging circumstances. The Fox Davidson team works on an initial fee free basis, only charging a flat fee on application of the mortgage.
From your initial consultation through to completion, our award winning team is committed to providing trusted advice and expert guidance at every stage of the entire process. Our mortgage brokers work tirelessly to deliver the right results. With Fox Davidson, you can be confident that you’re receiving the highest standard of service, access to exclusive deals, and the best mortgage rates to suit your needs.
Our Mortgage Services
Residential Mortgages
At Fox Davidson, our residential mortgage services cover every aspect of buying and refinancing your home. Whether you are a first time buyer seeking competitive mortgage rates or looking to remortgage for better terms, our expert mortgage advisers guide you through each stage of the mortgage application process. We also specialise in providing mortgage advice tailored to clients with complex financial situations, such as the self employed, contractors, or individuals paid in foreign currencies, who often find it difficult to secure mortgages through traditional high street banks.
Our residential mortgage services include:
- First time buyer mortgages designed to help you take your first step onto the property ladder with confidence.
- Remortgage solutions aimed at improving your current mortgage deal, helping you secure a better mortgage rate, and reducing monthly repayments.
- Moving home mortgages to ensure seamless transitions between properties.
- Bespoke large loan lending above £1m
To help you plan ahead, we offer mortgage calculators on our website so you can estimate your mortgage payments and explore your financial options.
Buy-to-Let and Investment Mortgages
For professional landlords and property investors, Fox Davidson offers expert advice in navigating the buy to let mortgage market. Our team works with specialist lenders who understand the nuances of investment property financing, helping clients secure buy to let mortgages for single properties or build extensive portfolios. We have extensive experience in managing buy to let mortgages for individual investors, limited companies, and buy to let landlords with extensive portfolios in the UK.
Our buy to let investment mortgage services include:
- Financing for single buy to let property purchases.
- Portfolio funding strategies for clients seeking mortgages across a whole portfolio
- HMO (House in Multiple Occupation) & MUFB (multi unit freehold block) financing solutions
- Limited company buy to let mortgage structures tailored to your business needs.
Commercial and Development Finance
Property developers and business owners looking to secure commercial mortgages or development finance find our expertise invaluable. We understand the complexities of commercial property purchases, development projects, and bridging finance requirements. Our mortgage advisers provide flexible and responsive service to accommodate changing project timelines and financial planning needs.
Our commercial mortgage services cover:
- Office and retail property purchases across the UK.
- Development finance for new build projects.
- Business premises mortgage solutions.
- Bridging finance designed for quick completions and urgent funding needs.
Life Insurance and Protection
Beyond mortgages, Fox Davidson is also a life insurance broker and offers comprehensive life insurance and protection advice to safeguard your property investments and secure your family’s financial future. Our protection specialists provide expert advice on life insurance products that cover your mortgage payments, giving you peace of mind throughout your ownership journey.
Why Choose Fox Davidson
Expert Knowledge and Market Understanding
The Fox Davidson team brings years of combined experience navigating the UK mortgage market. We conduct comprehensive mortgage broker searches across the market, comparing thousands of deals from multiple lenders to identify the most suitable mortgage options for each client. Our mortgage advisers maintain strong relationships with a wide range of lenders, from traditional high street banks to specialist niche lenders. This extensive network allows us to source mortgage deals that many brokers cannot access, often securing mortgage approval for clients who have been declined elsewhere.
Tailored Solutions for Every Client
We recognise that every client’s financial situation and personal circumstances are unique. Whether you are a first time buyer feeling overwhelmed by mortgage options or an experienced developer managing complex projects, we provide bespoke mortgage advice tailored to your specific needs. Our independent mortgage advice ensures you receive unbiased recommendations designed to find the right lender and the best mortgage rates for your individual situation.
Proactive Communication Throughout
One of the hallmarks of our service is proactive and transparent communication. We understand that the mortgage process can be stressful, so we keep you informed at every step with regular updates and clear explanations. Our mortgage advisors are always available to answer your questions, helping identify and resolve potential issues early to ensure a smooth, stress free mortgage application process.
‘Your journey with us will involve a dedicated broker, a paraplanner and a case manager. You will not get passed around a call centre but will instead have a dedicated team from Fox Davidson who will look after you from initial enquiry through to drawdown of the loan. We hope that this boutique, personable service differentiates us from the larger UK mortgage brokerages.’
Creative Problem Solving
When standard mortgage products don’t fit your circumstances, Fox Davidson excels at creative problem solving. Our mortgage experts think outside conventional parameters to structure deals that work for both clients and lenders. This innovative approach has helped clients with complex income and complex property requirements to successfully secure the funding they required.
Meet The Team
Our dedicated team of mortgage advisers combine expertise, professionalism, and a passion for helping clients achieve their property goals. Learn more about the individuals behind Fox Davidson’s award winning service on our Meet The Team page.
Customer Testimonials
Our clients consistently praise the quality of our service and the expert mortgage advice we provide. Here are some recent testimonials that reflect our commitment to excellence:
- “The communication throughout the entire process was exceptional. Even during the challenging market conditions, the Fox Davidson team kept our purchase on track and secured our mortgage when we thought it might fall through.”
- “I have used Fox Davidson for multiple property purchases and would highly recommend their services. Their expertise with complex cases made what could have been a stressful experience completely manageable.”
- “His support went beyond typical duties. He took time to explain every aspect of the mortgage process and was always available when I had questions. The service was truly outstanding.”
- “As property investors and developers, we appreciate having a broker who understands our business requirements. The London team has helped us grow our portfolio significantly, always finding competitive rates and terms.”
- “Fox Davidson made our remortgage process smooth and stress-free. They identified savings we hadn’t realised were possible and completed everything efficiently.”
These testimonials highlight not only our mortgage expertise but also our dedication to making the entire mortgage journey as smooth and stress free as possible. Many clients return to us for subsequent mortgage loans and frequently recommend our services to friends and family.
Get in Touch
Starting your mortgage journey with Fox Davidson is simple and stress free. We offer a free initial consultation to discuss your mortgage needs, review your financial situation, and explore the mortgage options available to you.
Contact Information and Response Commitment
We understand that timing is crucial when it comes to property purchases and mortgage decisions. That’s why Fox Davidson commits to responding to all enquiries within 24 hours. Whether you contact us by phone, email, or through our online enquiry form, you can expect prompt, professional attention tailored to your needs.
Next Steps
Once you reach out to Fox Davidson, you can expect the following straightforward process:
- Initial Consultation: A free discussion to understand your requirements and individual circumstances.
- Market Research: Comprehensive analysis of mortgage options suited to your financial situation, including guidance on how interest rates may affect your monthly repayments and which mortgage structures best suit your needs.
- Recommendation: Clear explanation of the recommended mortgage products and terms. Fox Davidson helps clients secure the most competitive mortgage rate when switching or remortgaging, and can assist with remortgaging to access more money for home improvements, debt consolidation, or other needs. We are transparent about how mortgage brokers charge, whether through lender commissions or broker fees. Equity release is also available for clients looking to unlock value from their property, especially for retirement planning. We ensure you consider all costs, including stamp duty, as part of your overall property purchase budget.
- Application Support: Expert guidance through the entire mortgage application process, including support for clients seeking to remortgage for more money or explore equity release options.
- Completion: Ongoing support until your mortgage offer is secured and the transaction completes successfully.
Our approach ensures you remain informed and confident throughout the whole process. Whether you are a first time buyer or an experienced property developer, Fox Davidson provides the expert mortgage advice and trusted support necessary to secure the right mortgage deal.
We secure finance across the UK We can work by email, phone and video calls. For face-to-face mortgage advice, our office locations are in the South of the UK: Bath, Bristol, Exeter & London.
