Who Fox Davidson Helps
A Specialist UK Mortgage Brokerage for HNW Individuals, High Earners and Property Professionals
Award-winning mortgage advice
Who Fox Davidson is built for
Fox Davidson works primarily with experienced and high net worth UK borrowers across six client profiles. Each profile shares one thing in common: standard high street affordability rarely fits the case cleanly, and the right outcome depends on a broker who knows the specialist lender list, the income structuring rules, and the regulatory frameworks (the FCA high net worth rules, PRA portfolio rules, Section 24, FHL abolition) that drive specialist underwriting.
High Net Worth Individuals
£300k+ income or £3m+ net assets under the FCA high net worth definition. Whole-of-wealth assessment through private banks and HNW specialist lenders. £1m to £50m+ loans on interest-only with capital event exit.
HNW MortgagesHigh Earners
£100k to £2m+ income. 4.5x to 7x income lending. Bonus, RSU, carried interest and dividend income properly assessed. Specialist and premier banking lender panel including the 6x and 7x income products.
High Earner MortgagesSenior Professionals
Doctors, dentists, lawyers, barristers, accountants, vets, architects, pilots, civil servants, footballers and investment bankers. Profession-specific lender criteria and income treatment.
Mortgages for ProfessionalsInternational and Non-Resident Buyers
UK expats, foreign nationals, offshore companies (BVI, Jersey, Isle of Man, Cayman). Foreign currency income, multi-jurisdiction wealth, international private bank routes.
International MortgagesProperty Portfolio Investors
BTL, HMO, MUFB, holiday let and mixed-asset portfolios. From the 4-property PRA threshold to 250+ property institutional portfolios. SPV, holdco/subco and pension trust structures.
Property Investment MortgagesCountry Estate and Rural Buyers
Properties with 5+ acres, country estates, equestrian property, smallholdings and rural farmhouses. Specialist residential, building society HNW desks and private bank routes.
Large Acreage PropertyThe full UK property finance funding stack
Fox Davidson arranges UK property finance across the complete funding stack, from £250,000 single-property purchases to £250 million plus portfolio facilities. Most cases sit cleanly within one service area; a meaningful minority sit across two or three. Where they do, the strategic conversation about which lender, which structure and which sequence shapes the long-term outcome.
Residential Mortgages
First-time buyers, home movers, remortgages, complex income, self-employed, non-standard property, JBSP, offset and help-to-buy remortgage finance.
Residential MortgagesLarge Mortgages
HNW, high earner, private bank, international and country estate residential finance from £500,000 to £250 million plus.
Large MortgagesMortgages for Professionals
Eleven profession-specific service pages covering doctors, dentists, vets, architects, barristers, law firm partners, accountants, pilots, civil servants, footballers and investment bankers.
Mortgages for ProfessionalsProperty Investment
BTL, HMO, MUFB, holiday let, limited company SPV, holdco/subco portfolio structures and HNW investor strategic hub finance.
Property Investment MortgagesBridging and Specialist Finance
Regulated bridging, unregulated bridging, refurbishment finance, auction finance, chain-break bridging and bridging-to-mortgage exit structures.
Bridging LoansCommercial and Development
Commercial mortgages, semi-commercial property, ground-up development finance, conversion finance and development exit refinancing.
Commercial FinanceWhat makes Fox Davidson different
Most UK mortgage brokerages operate on volume. Cases pass between teams, calls go to centralised handlers, and the person who picks up the phone is rarely the person who builds the case. Fox Davidson is structured the opposite way. Six things shape how we work:
- Senior broker contact from first call. When you ring Fox Davidson, the person who answers is the senior broker who will handle your case. No call centre triage, no account managers. The first conversation is also the case conversation.
- Strategic, not transactional. We map the structuring decision (personal name versus SPV, single lender versus multi-lender, hold-and-grow versus exit-and-recycle, High net worth qualification, exit ladder modelling) before recommending the next lender approach.
- Cross-route financing. One broker, one relationship, across residential, large, BTL, HMO, MUFB, holiday let, commercial, semi-commercial, bridging and development. The structuring decision is shaped by where the cross-route position sits, not just where the next transaction lives.
- HNW focus by design. Most cases qualify under the FCA high net worth definition, which unlocks private bank routes for residential refinance and portfolio facilities alongside the specialist BTL and commercial panels. We hold direct underwriter relationships at every principal HNW lender.
- Documentation done up front. We collate the evidence pack at desktop stage rather than mid-application. Cases that should take six weeks consistently complete in six weeks because the lender's compliance team has what it needs at submission.
- FCA-authorised through Mortgage Intelligence, advising since 2005. Fox Davidson Limited operates as an Appointed Representative of Mortgage Intelligence (FCA FRN 305330). Wesley Davidson, the founder, has been advising on UK property finance since 2005. The firm has been arranging specialist residential and HNW lending since 2013.
Senior advisers, in their own words
Fox Davidson is led by two directors and supported by a small senior team across broking, paraplanning and case management. Every client engagement is built around a named senior broker. The same person you speak to on the first call carries the case through to drawdown.
Wesley Davidson
Director and Founder. Advising since 2005. FPC and MAQ qualified. Specialism: specialist large loans, HNW residential, international finance, bridging and development.
"The case that creates the most difficulty is rarely the largest. It is the case where the borrower has approached one lender, hit one criteria limit and assumed the wider market will respond the same way. Across the active large-loan lender list, the variation on the same case can be £400,000 to £1m+ of borrowing capacity or 50 to 200 basis points of rate. Knowing which lender will lend, and on what terms, before any application is filed is what we do."
Sarah Fox-Clinch
Director. FPC and MAQ qualified. Advising since 2005. Specialism: complex residential, HNW residential, professional mortgages, large loans for high-earning professionals.
"Most complex residential cases turn on income structuring rather than property value. A senior doctor with locum income, a Magic Circle partner with profit-share, a self-employed entrepreneur whose business value sits inside an SPV, each needs a different lender and a different conversation. We map the income narrative properly before any lender approach is made, which is why our cases complete in the timeline we quote rather than at twice the length."
The wider team
Paraplanning and case management support across every Fox Davidson engagement.
Behind every Fox Davidson broker sits a dedicated paraplanner and a case manager who handle the documentation pack, the lender liaison and the conveyancing coordination. You do not pass from team to team. The named broker holds the relationship; the support team handles the operational work. This is the boutique structure that produces materially faster completion times than centralised broker operations.
Fox Davidson in numbers
| Measure | Value | Context |
|---|---|---|
| Advising since | 2005 | The Directors continuous experience advising on UK property finance. |
| Fox Davidson founded | 2013 | Specialist HNW and complex residential lending from launch. |
| Loan size range | £250,000 to £250m+ | From single-property residential to institutional portfolio facilities. |
| Lender panel | 100+ UK and international lenders | Private banks, specialist BTL, HNW desks, commercial, bridging, development. |
| FCA status | AR FRN 600427 | Appointed Representative of Mortgage Intelligence (principal firm FRN 305330). |
| Office locations | Bristol + UK-wide | Registered office Bristol BS1. Working by phone, email and video call across the UK. |
| Languages | English | UK clients and international clients on UK property. |
How a Fox Davidson engagement works
From first call to drawdown, every Fox Davidson engagement follows the same structure. The detail varies by case but the shape stays the same.
Step 1: First call with a senior broker
You call 03300 100313 and speak to a senior broker directly. We unpack the property, the income position, the ownership preference, the timeline and any complicating factors. The broker who picks up the phone is the broker who handles the case.
For complex HNW cases, the first call typically runs 30 to 45 minutes and concludes with an indicative lender shortlist plus any structuring questions to put to your accountant or solicitor before formal instruction.
Step 2: Desktop assessment and lender strategy
We map the case against the active lender panel: which two or three lenders are most likely to engage with this profile, at what LTV, on what interest structure, and with what evidence pack. For portfolio cases we add the PRA stress position. For international cases we add the country approval list. For HNW cases we test High net worth qualification.
The output is a working view of the financing options and the structuring conversation that needs to happen with your wider advisers (accountant, solicitor, IFA) before formal application.
Step 3: Evidence pack and application
The paraplanner and case manager collate the full evidence pack: income evidence, asset evidence, source-of-funds documentation, ownership structure documents, planning history where relevant, lender-specific declarations and KYC. The pack goes to the lender at submission rather than across multiple rounds of compliance queries.
This is the step that determines completion timeline. Cases packaged properly at submission complete in the timeline we quote. Cases packaged through mid-application iteration take half as long again.
Step 4: Underwriting, valuation and offer
The lender underwriter reviews the case, instructs valuation and works through any criteria-specific conditions. The broker manages the underwriter relationship; the case manager coordinates valuation and any conveyancing solicitor liaison. Typical timing from application to offer: four to eight weeks on residential and large-loan cases, six to twelve weeks on portfolio and international cases.
Step 5: Completion and ongoing relationship
The case completes through your conveyancing solicitor. The broker remains the point of contact for product transfer questions, future remortgage decisions, portfolio expansion conversations and any strategic restructuring. For HNW investor clients we operate an annual portfolio review as standard.
Speak to a senior broker
Contact Fox Davidson for a confidential conversation about your UK property finance position. Whether the case is a £500,000 residential remortgage, a £5m HNW purchase, a 10-property portfolio refinance or a £50m international facility, the first call is with a senior broker who will handle the case through to completion.
Frequently Asked Questions
What types of mortgage and finance does Fox Davidson arrange?
The full UK property finance stack: residential mortgages, large mortgages from £500,000 to £250 million plus, mortgages for senior professionals, BTL and property investment finance (BTL, HMO, MUFB, holiday let, portfolio facilities), bridging and refurbishment finance, commercial and semi-commercial mortgages, and development finance. Most clients use Fox Davidson across two or three of these service areas over the course of a property career.
What is your minimum borrowing engagement size?
£250,000 single-property residential mortgages. £500,000 for large mortgage advice and HNW residential. £250,000 for BTL and specialist investment finance. There is no upper limit. We have arranged HNW residential mortgages up to £50 million plus and portfolio facilities up to £250 million. The right entry point depends on the case complexity rather than the loan size alone.
Are you tied to any single lender or panel?
No. Fox Davidson is an independent broker with access across the UK lender market: high street, specialist BTL, specialist HNW residential, UK private bank, international private bank, building society HNW manual underwriting desks, commercial lenders, bridging lenders and development finance providers. All procuration fees are disclosed in the Initial Disclosure Document at first contact.
How are you regulated?
Fox Davidson Limited operates as an Appointed Representative of Mortgage Intelligence Limited, which is authorised and regulated by the Financial Conduct Authority under firm reference number 305330. Fox Davidson Limited's AR firm reference number is 600427. The full regulatory statement is in the footer of every page on this website. Direct FCA authorisation is pending.
Where is Fox Davidson based?
Our registered office is in Bristol at 13 Orchard Street, BS1 5EH. We work UK-wide by phone, email and video call as standard, and meet clients face-to-face in Bristol, Bath, Exeter and London where useful. International clients on UK property are handled remotely by default with face-to-face meetings arranged on visits to the UK.
How long does a Fox Davidson engagement take?
From first call to mortgage offer: typically three to six weeks for standard residential cases on the high street panel; four to eight weeks for specialist residential, HNW and large mortgage cases; six to twelve weeks for portfolio, international and complex SPV cases. Conveyancing and completion add a further three to six weeks. Cases packaged properly at submission consistently complete in the timeline quoted.
What is your fee structure?
Fox Davidson charges a broker fee, payable on application, disclosed in the Initial Disclosure Document at first contact. The lender also pays Fox Davidson a procuration fee on completion, also disclosed in the IDD. No fee is payable before application. The exact fee figure depends on case complexity and is confirmed at the desktop assessment stage before any formal instruction.
Do you advise on protection, life insurance and wider financial planning?
We arrange life insurance and protection products that sit alongside the mortgage where appropriate. For wider financial planning, pension structuring, investment advice or estate planning we refer clients to specialist advisers we know and trust. Fox Davidson focuses on the property finance arrangement; we work alongside the client's accountant, solicitor and IFA on the wider structure.
The case for specialist brokerage on complex finance
UK mortgage advice is a competitive market with thousands of brokers operating at the volume end and a smaller specialist segment operating on complexity. Most simple first-time buyer mortgages do not need a Fox Davidson. The cases that do are the ones where the income structure is non-standard, the property is non-standard, the borrower's wealth position needs the FCA high net worth rules treatment, the lender pool is narrow, or the financing strategy needs to map across more than one product. On those cases, the broker chosen at the start shapes the outcome more than the rate negotiated at the end. That is the case we are built for.
Fox Davidson Ltd is an Appointed Representative of Mortgage Intelligence Limited which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only. Fox Davidson Ltd is registered at 13 Orchard Street, Bristol BS1 5EH (Companies House 8430288). The Financial Conduct Authority does not regulate some forms of buy-to-let mortgage.