Private mortgage & property finance · London
Bridging, development and complex mortgage finance for high net worth clients
I'm Sofia, and I love finding a way forward when a property deal feels anything but straightforward. From your next home to bridging, development and portfolios, I'll work out the options and help you make it happen.
Rated 5.0 by 100+ clients
Tools · Instant answers
Run the numbers. Then let's talk.
Play with your scenario below. When you're ready, send it to me and I'll come back with real options.
Finance for every stage.
Residential & high-value
Home purchases and remortgages, including company directors and complex incomes.
Explore →Buy-to-let
Individual landlords, limited companies and portfolio landlords.
Explore →Bridging finance
Fast, short-term finance for purchases, auctions, refurbishment and refinancing.
Explore →Development
Ground-up, conversions and refurbishment — including refinancing live projects.
Explore →Commercial
Commercial and semi-commercial property, including business premises.
Explore →Complex cases
Declined elsewhere? I look beyond the obvious to find workable routes.
Explore →Protection
Life and critical illness cover, income protection and mortgage protection, with an introduction to my trusted protection specialist.
Explore →Equity release
A personal introduction to a specialist who can help you explore later-life lending and whether it is right for you.
Explore →Second charge
An introduction to a second-charge specialist when raising capital against your property could be worth exploring.
Explore →Protection · Your back-up plan
Protect the life you’re building.
The right finance can help you take the next step. Protection is about making sure an illness, injury or death doesn’t put everything you’ve worked for at risk.
Life cover
A lump sum or regular income for the people you leave behind, depending on the policy.
Critical illness cover
A lump sum if you’re diagnosed with a serious illness defined by the policy.
Income protection
A regular income if illness or injury stops you working, subject to the policy terms.
A useful place to start
What could life have in store?
Risk Reality uses population and industry statistics to estimate the chances of being off work, suffering a serious illness or dying before your chosen retirement age. You can include a partner too.
Open Risk Reality ↗Opens LV=’s Risk Reality website. Results are a general guide, not a prediction or personal recommendation. Your calculator entries are not sent back to Penny House.
Let’s put your back-up plan in place.
Send me your details and I’ll talk through what you want to protect, then introduce you to my trusted protection specialist.
Meet Sofia
You'll deal with me. Start to finish.
A bit about me
I’ve been fascinated by money since I was young. In my late teens, I started to understand how you could use it as a tool. I loved working out what was possible with what you already had, and how the right finance could help you take a step that felt out of reach.
I fought hard to buy my first house at 24 and launched Penny House that same year. I wanted to help people use property to build wealth or protect what they’d already worked hard for. One of the best parts of doing this for years has been watching clients I helped with their first buy-to-let go on to do things they once thought were beyond them.
My favourite calls often start with, “I’m not sure this can be done.” Maybe you’ve found the right property and need to move before your sale goes through. Maybe your income makes perfect sense when you explain it, but looks complicated on an application. I love getting into the detail, asking a few more questions and finding a way forward you hadn’t considered.
I still get as excited about figuring out a tricky case as I did when I started. Markets change, and that can close off one route and open up another. When you work with Penny House, you deal directly with me from our first conversation to completion.
People I can put you in touch with
Over the years, I’ve got to know good people across property and finance. If you need a wealth adviser or a tax specialist, I can help you find someone to speak to. And if you have a property or site you’re thinking of selling, I know developers who are actively looking for land.
1
We talk through your plans
We’ll discuss what you want to achieve, what matters to you and when you need it to happen.
2
I work through your options
I look at your circumstances and work out which ways of financing your plans could make sense.
3
I speak to the right lenders
I research the market and speak directly to the lenders most likely to understand your circumstances and consider your case.
4
We go through my recommendation
I explain the options, what each would cost and why I’d recommend one for you. You’ll have time to ask questions before you decide.
5
I see it through to completion
I manage your application, liaise with the lender and your solicitor, and keep you updated through to completion.
Real situations. Thoughtful solutions.
Portfolio landlord refinancing
Reviewing finance across several buy-to-let properties to better align with the landlord's plans.
Purchase & refurbishment
Funding a below-market-value purchase and the planned works in one structure.
Urgent bridging
Short-term finance against a tight deadline, with a clear repayment route.
★★★★★
"I'd 100% highly recommend Penny House. Sofia has vast expertise, experience and professionalism and has held my hand throughout my initial mortgage and renewal."
★★★★★
"Within minutes Sofia understood our situation, guided us perfectly and secured approval for our mortgage request within a week."
★★★★★
"Sofia handles every remortgage and new application with real professionalism and attention to detail. She's proactive, reliable and always finds the right solution."
Good questions.
What do you arrange?+
Residential and buy-to-let mortgages, bridging, development and commercial finance, plus refurbishment funding and complex cases.
Can you help if I've been declined?+
Often, yes. I'll review why, assess your circumstances and explore lenders whose criteria may fit. Approval can't be guaranteed, but you'll always get a straight answer.
How quickly can bridging complete?+
It depends on the property, lender, valuation and legal work. Tell me your deadline early and I'll tell you honestly what's achievable.
Do you charge a broker fee?+
After our initial call, once I know I can help you, I’ll come back to you with some solutions. If anything is payable, I’ll explain clearly what it is at that point, before you proceed. There’s no commitment to go ahead.
Is everything FCA regulated?+
No. I arrange both regulated and unregulated finance. Penny House is a trading style of City Finance Brokers Ltd, authorised and regulated by the FCA (FRN 766295).
All of my business comes from word of mouth. If you know someone I can help, please share my details.
Let's talk about your deal.
Share a few details and I'll personally come back to you with next steps.