Perceptive Mortgages

100% – the best advice

100% – the best deals

100% – your best interests at heart

Mortgage Services

Financial solutions for residential and commercial properties serving both UK and International clients.

Perceptive Mortgages provides tailored services for those seeking complex, high-value mortgage solutions. We assist UK expats, international and self-employed clients with complex income structures and multi-currency income. Our mortgage experts provide;

☑ Mortgage finance from £250,000 to £25m

☑ Complete Independent whole of market service and expert advice

☑ Access to high street, private and specialist bank mortgage deals

☑ Up to 95% loan to value (large residential mortgage with low deposit)

☑ Up to 80% loan to value (buy to let mortgages)

☑ Interest only mortgage and interest roll up options available

☑ Second home and holiday home mortgages

☑ Remortgage options to leverage existing assets such as investments or property portfolio to negotiate more flexible lending criteria, better rates and high LTV’s

☑ Investment mortgages for buy to let, HMO, Air Bnbs and Portfolio Landlord refinance

☑ Fast professional streamlined service to suit your individual circumstances

We are independent, Authorised and Regulated by FCA, fully member of National Association of Commercial and Finance brokers, Fully Qualified, Member of London Institute of Banking and Finance and with over 13 years of specialist experience in working with exclusive clients.

To make an initial enquiry, simply complete the following;





    Value of Property

    Purchase Price

    Mortgage Amount Required

    Please choose how would you like to receive future communication:

    Our High Net Worth and international clients have all been highly appreciative of the way we take care of their mortgage needs. And we are of course happy to offer home appointments to discuss your requirements.

    Your home may be repossessed if you do not keep up repayments on your mortgage. 

    We have now helped 1000s of
    customers with their finance and property journey.


    Fact Finds


    Property Transactions


    Total Transaction Value


    Success Rate

    Contact us for a confidential exploratory discussion.

    Our Trusted Partners and Advisers

    Masutes Capital has trusted investments partner grow your capital and your property portfolio

    Don’t just take our word for it!

    Please check our reviews to see how we seek to exceed the highest expectations of our customers.

    Andrew Lochrie
    Andrew Lochrie
    Pav and his team at Masutes supported us recently to a successful conclusion in our house purchase journey. As first time buyers he helped walk us through the whole process including giving us introductions to other professionals needed to complete the process who have proven up to the recommendations provided. Masutes brought their market knowledge to bear and were able to find us a mortgage tackling some challenging features and requirements as we have spent some time living abroad before purchasing and have a high loan to value. Their promise that they have never failed to get a successful conclusion for their client prove true again for us and we would certainly commend them for their attention to detail, proactivity and responsiveness to our natural apprehension as we went through the process for the 1st time. We will certainly return to Masutes in the future.
    Matthew Herbert
    Matthew Herbert
    Have work closely with Pav and would highly recommend. Very knowledgeable and really does put is clients first (rare to see)! Key person to have in your power team!!
    kia dashtipour
    kia dashtipour
    Great experience working with them, they are available all the time.
    Animesh Tiwari
    Animesh Tiwari
    The Best financial broker in the market across the UK. I met Masutes Group after exploring the market and when I met Pav, I decided that he is the person who is ready to invest their time in my case. He made the entire process look so simple and gave me the much need confidence and support and ensuring I get the best deal available in the market. Even when I was not sure with some decision making Pav ensure I go for the thing which is right for me. Extremely reliable and responsive. In the entire UK market - Pav and Team is the best as they not only provide professional service but also by going extra mile, giving personal attention which separate them from others in the market. Pav and Team has exceeded my expectation in all the possible parameters. Feedback from my friends to whom I have already referred Masutes Group is amazing. If you ever want financial advice or suggestion/guidance - just speak with Pav once, you will never go anywhere else and I am saying this with my personal experience. Ani
    Adil T
    Adil T
    It has been a great experience with masutes group to get our mortgage secured. From finding a right property, putting an offer in, getting the mortgage principal to final mortgage offer were made very straightforward by Pav and the team at Masutes group. They communicated very clearly throughout the journey and updated us with all the information in timely manner. Pav dealt everything in such a manner that he put me in ease. If someone is looking for the best mortgage deal with the top quality service, then Masutes group will provide that one stop service. Highly recommended. Thank you so much Pav for all your help and support 😀.
    Mimoza Billa
    Mimoza Billa
    I strongly recommend Masutes Group specifically Pav for his professionalism and reliability.
    Caroline Shallow
    Caroline Shallow
    Masutes Group has been amazing throughout the entire process, it has been a long road for us but we have always been made to feel that there is hope, these actions shone through and we were more than overjoyed with the results and professionalism. We will definitely be using MG again and can recommend highly!
    Eliseu Pinheiro da Silva
    Eliseu Pinheiro da Silva
    Pav has the patience of a saint! Given the state of the market at the moment, getting an offer accepted is near impossible and is a lengthy and tiresome process . I can confidently say that Pav was with me every step of the way and helped navigate me through the complicated and at times confusing process . His practical advice and reassurance when I was ready to give up after 20 viewings finally paid off ! I trust this gentleman wholeheartedly. He’s a good guy, very professional and thorough , and most importantly , in such an inflated market , he’s quick to respond and reliable! He genuinely cares about his clients and even advised me not to follow through with an offer I had accepted as he could tell that I wasn’t 100% convinced that the property was a good fit . A week later I went on to secure a property with Pav’s help that was just perfect and I am delighted . My advice is go with Pav and his recommendations , you will not be disappointed!
    noel ohene
    noel ohene
    Great service always put there clients first and goes on and beyond I’m very please with the quality of work and I wouldn’t hesitate using there services again. Thank you!!

    Request a call back.

      First Name

      Last Name




      Your message