About Me
With many years of experience in the UK mortgage industry, I have developed extensive expertise in structuring finance for clients with complex lending requirements. I previously worked at Knight Frank Finance LLP, where I advised a diverse range of domestic and international clients on tailored property finance solutions.
I specialise in providing bespoke mortgage advice to overseas investors looking to purchase or refinance residential and commercial properties in the UK. As a native Mandarin and Cantonese speaker, I work closely with high-net-worth clients from across the globe, guiding them through the UK mortgage process with clarity, transparency, and attention to detail.
My expertise covers a wide range of lending solutions, including bridging finance, buy-to-let mortgages through Special Purpose Vehicles (SPVs), and tailored lending options for self-employed individuals or clients purchasing property in the UK on a visa. Through long-standing relationships with an extensive network of UK lenders—some of which are not widely accessible—I am able to source competitive and flexible mortgage solutions designed around each client’s unique circumstances.
I am committed to delivering a highly personalised service, ensuring every client receives clear guidance and the most suitable financing options available. Whether you are purchasing your first UK property, expanding a property portfolio, or refinancing an existing investment, I provide expert support throughout every stage of the journey.
What Our Clients Say About Us
⭐️⭐️⭐️⭐️⭐️ First-Time Buyer – Stress-Free Experience
"As a first-time buyer, I had no idea where to start with mortgages. Rachel made the entire process simple and easy to understand. She explained all my options clearly and was always available when I had questions. Thanks to her guidance, I secured a great mortgage and completed my purchase smoothly. I couldn't have asked for better support."
— Alan C.
⭐️⭐️⭐️⭐️⭐️ Buy-to-Let Investor – Expert Advice
"Rachel has been fantastic in helping me secure financing for my buy-to-let property. Her knowledge of the market and lender criteria is outstanding. She found a solution that suited my portfolio plans and handled everything efficiently from start to finish. I highly recommend her to anyone looking for expert mortgage advice."
— Vita X.
⭐️⭐️⭐️⭐️⭐️ Remortgage – Saved Us Money
"We approached Rachel to help us remortgage our home, and she exceeded our expectations. She compared multiple lenders and secured us a much better rate than we expected. The process was smooth, quick, and completely stress-free. We’ll definitely be using her again in the future."
— David & Emma S
⭐️⭐️⭐️⭐️⭐️ Outstanding Service
"Rachel provided an exceptional level of service from day one. She was proactive, professional, and always kept us updated throughout the process. What could have been a complicated mortgage application felt straightforward thanks to her expertise. We wouldn’t hesitate to recommend her to friends and family."
— Michael W
Disclosure
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 reference 1024131 The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies. Please add your FCA number and required statement. 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) 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. Fees for Advice (All) There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. My Consultant will confirm the amount before you choose to proceed , we usually charge a fee from £750 UK Residential purchase.