About Me

Having spent many years in the mortgage industry, starting at Capricorn Finance and later advancing my career at Oriel Finance and Knight Frank Finance, I have developed extensive experience in navigating complex lending requirements. Throughout my career, I have been dedicated to helping clients secure the right financial solutions, no matter how intricate their needs.

I specialise in providing tailored financial advice for overseas investors looking to purchase or refinance both residential and commercial properties in the UK. As a native Mandarin and Cantonese speaker, I’ve had the privilege of guiding High-Net-Worth clients from around the world through the mortgage process, ensuring a smooth and transparent journey every step of the way.

My expertise spans a wide range of lending solutions, including bridging loans, buy-to-let mortgages through Special Purpose Vehicles (SPVs), and tailored options for self-employed individuals or those purchasing property in the UK on a visa. With established relationships across a vast network of UK lenders—some of which are not accessible to all brokers—I can offer competitive and flexible mortgage solutions designed around your unique circumstances.

Whether you’re a first-time buyer, a seasoned investor, or somewhere in between, I’d be delighted to help you on your property journey. Feel free to get in touch, I look forward to working with you.

London Services

We provide expert mortgage consulting services in London, helping clients find the best mortgage options for their property purchases.

Location

71-75 Shelton Street, Covent Garden, London WC2H 9JQ

Client Feedback

See what our clients say about our mortgage consulting services.

The mortgage options provided were perfect for my new home purchase. Highly recommend!

Claudia Johnson
A tall, pointed skyscraper dominates the skyline against a clear blue sky. The building is modern, with glass panels reflecting light. Surrounding structures include other modern buildings, some with curved designs and one with the name 'London Bridge Hospital' visible.
A tall, pointed skyscraper dominates the skyline against a clear blue sky. The building is modern, with glass panels reflecting light. Surrounding structures include other modern buildings, some with curved designs and one with the name 'London Bridge Hospital' visible.

London, UK

Exceptional service! The consultant helped me find the best mortgage for my needs.

The image captures a storefront with large windows displaying various decorative items like vases and small furniture pieces. The facade has a classic architectural design with white upper walls and large, vertical windows situated above the black-framed shop displays. The street in front of the store is empty, and a billboard on the side advertises 'London Design Week'.
The image captures a storefront with large windows displaying various decorative items like vases and small furniture pieces. The facade has a classic architectural design with white upper walls and large, vertical windows situated above the black-framed shop displays. The street in front of the store is empty, and a billboard on the side advertises 'London Design Week'.
David Cheung

London, UK

★★★★★
★★★★★

The service was exceptional! They helped me find the perfect mortgage.

John Smith
A black and white photograph captures a modern cityscape view through large glass windows. A distinctive, cylindrical building with a crisscross pattern, commonly known in London, is prominently visible. The foreground features a spiral staircase, adding an intriguing architectural element to the composition. The shadows and reflections create geometric patterns on the walls and floor.
A black and white photograph captures a modern cityscape view through large glass windows. A distinctive, cylindrical building with a crisscross pattern, commonly known in London, is prominently visible. The foreground features a spiral staircase, adding an intriguing architectural element to the composition. The shadows and reflections create geometric patterns on the walls and floor.

London

I was impressed by the professionalism and dedication shown in finding the best mortgage options tailored to my needs. Highly recommend their services for anyone buying a property.

A night-time cityscape featuring a well-lit skyscraper with an HSBC logo prominently displayed at the top. The scene includes several tall buildings with lights in their windows reflecting off a body of water below. A bridge, also illuminated, spans across the water in the foreground.
A night-time cityscape featuring a well-lit skyscraper with an HSBC logo prominently displayed at the top. The scene includes several tall buildings with lights in their windows reflecting off a body of water below. A bridge, also illuminated, spans across the water in the foreground.
Sarah Lee

London

★★★★★
★★★★★

Disclaimer

EMC Mortgage Ltd is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register(https://register.fca.org.uk/s/) under FCA reference number 1024131 The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies. EMC MORTGAGE LTD is registered in England & Wales under number 16031375. Registered address 71-75 Shelton Street, Covent Garden, London WC2H 9JQ UK Customers (All) Confirmation The promotion is aimed at UK Customers The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Fees for Advice (All) There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Our Consultant will confirm the amount before you choose to proceed but we usually charge a fee of £750 or up to 1% of the mortgage loan amount. Commission Disclosure (All) Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement. How to make a complaint (All) Must be visible on the website. It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk