Our Lending Services
We know that a flexible approach is required to support the financing requirements of our high-net-worth clients. What’s more, we know that no two properties are alike. Whether you are seeking a residence, a pied-a-terre or an investment property, our highly knowledgeable team will take the time to understand your individual circumstances and long-term goals to deliver a tailor-made solution for your needs.
Start a conversation with one of our dedicated relationship managers by contacting us at [email protected] or +44 (0)203 871 6900

Residential Owner Occupied

Residential Investment Property

Residential Refurbishment

Residential Bridging
Important information
As of 6 February 2025, the Bank of England base rate is 4.50%.
Our UK Base Rate is 6.50%.
If you held an account previously with Butterfield Bank (UK) Limited and have a query (such as the need for specific statement copies) please send a letter to the address below outlining your query, and we will be in contact about how best we can help you.
Butterfield Mortgages Limited
Sun Court
66 – 67 Cornhill
London
EC3V 3NB
Do not send any additional documents at this stage.
If you believe that you have unclaimed money previously held in an account at Butterfield Bank (UK) Limited, and wish us to investigate further, please download a copy of the account tracing form here and send it directly to the address above. Again, do not send any additional documents at this stage.
We will investigate and write to you within 30 days advising whether a relationship was held, whether the account was closed and if there may be an outstanding balance.
If a balance is outstanding, we will also advise you of the documentation you will be required to send to us to validate your claim. You will also be requested to provide your authorisation to perform any electronic searches necessary to confirm your identity along with bank details to which any monies due should be paid.
Once we have received the requested documentation, we will perform the checks and will write to you within 30 days either requesting additional information and/or documentation or confirming that we have paid the money to your nominated account.
Please note that there may be charges applied for investigative work on historical accounts.
Meet the team
We have an experienced relationship management team dedicated to working with you to design the tailored solution to secure the financing required to purchase your property.



Alpa Bhakta
Alpa Bhakta was appointed CEO of Butterfield’s UK mortgage business when it was established in 2016. She leads the overall strategy for the prime property specialist and ensures the needs of domestic and overseas high-net-worth clients are met.
With more than 30 years of financial industry experience in London, Alpa has an in-depth understanding of the market and has held senior positions at leading firms including BNP Paribas Fortis and Credit Agricole Indosuez. She started her career in banking at NatWest and has since received a number of industry awards for her achievements.
Most recently, Alpa was shortlisted for CityWealth’s Powerwoman Awards 2023. She is a regular commentator on the UK housing market with a focus on Prime Central London.
Anthony Neville is the Head of Credit for Butterfield’s UK mortgage business, originally joining Butterfield as a Credit Risk Analyst in 2006.
With more than 20 years of banking experience in London, Tony has an in-depth understanding of credit procedures and processes and has been instrumental in aligning best practices across the UK and Channel Islands mortgage businesses.
He is the Chair of Butterfield’s Channel Islands and UK Credit Committee and sits on both the Executive Committee and Risk Management Committee of Butterfield Mortgages UK.
Wendy Scott is a Sr. Business Development Manager with more than 15 years of experience consulting on mortgages and underwriting loans. She is focused on providing specialised advice to clients and intermediaries and assisting Butterfield with the overall growth of the UK loan book. She holds a certificate for the highest available CeMAP qualification and has a passion for exceptional client service.
Prior to joining Butterfield, Wendy held mortgage consultant roles at UCB Home Loans, Lloyds TSB and Metro Bank.



Radhika Madar is a Senior Relationship Manager and has spent more than 10 years advising high-net-worth private clients. She is highly experienced with time spent working at small independent brokerages to large corporates.
Radhika specialises in investment advice, UK real estate, client acquisition and retention, risk and compliance.
Prior to joining Butterfield, Radhika worked in real estate finance at Enness Mortgages and as an associate partner at St James’s Place Wealth Management (Asia) with a focus on Singapore.
Stephen Murrell
Stephen Murrell is a Senior Business Development Manager with a specific focus on growing the ultra-high-net-worth (UHNW) loan book. He is responsible for managing the relationships with intermediaries, generating new business enquiries and managing a large portfolio of property-backed loans.
Prior to joining Butterfield, Stephen accumulated over 30 years of experience in the banking and property sector, covering all aspects of property lending in both the residential and commercial market sectors.
Stephen started his career at Barclays Bank before working at the Bank of England and Westpac. He spent 17 years at Ansbacher & Co, where he helped to significantly expand the bank’s property loan book and was part of the management team which completed a buy-out of the loan portfolio by Mitre Capital in 2007 supported by Alliance & Leicester and NM Rothschild.
James Ray joined the Butterfield team in August 2021 as a Business Development Manager. He has 12 years of experience working within the financial services industry and plays a crucial role in the management and control of Butterfield’s existing loan book. He holds a professional certificate in Mortgage Advice and Practice.
Prior to joining Butterfield, James was a Private Banker at Coutts & Co, providing bespoke mortgage solutions to entrepreneurs.



Kate Bell joined as a Relationship Manager in December 2019. She has over 30 years of experience in the financial services industry, with over 20 years spent working at Barclays Bank PLC.
In her current role, Kate works with the team to manage and control the existing loan book. She holds a Certificate in Mortgage Advice and Practice.
Contact us
Sun Court
66 – 67 Cornhill
London
EC3V 3NB