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    What our clients say

    What is a High-Net-Worth Mortgage?

    A high-net-worth individual is defined by the FCA as those with an annual net income of no less than £300,000 or net assets of no less than £3 million.

    High-net-worth mortgages cater specifically to individuals who possess substantial wealth and unique financial circumstances. These clients often require customised mortgage solutions that align with their specific goals and financial profiles. They may find that high street lenders do not offer the right level of expertise to cater for their needs.

    High-net-worth individuals may also have more complex incomes or multiple streams of income, purchase more unusual property, purchase as an overseas national or require a large loan at a high loan-to-value. All these factors may deem the loan as riskier for the lender and require the assistance of a specialist such as Private Finance to help negotiate the right bespoke terms for high-net-worth clients.

    A property bought with a HNW mortgage

    High-Net-Worth Mortgage Specialists

    We’ve spent more than twenty years arranging innovative mortgage solutions for high-net-worth clients. We’ll mobilise this huge wealth of experience – and the industry relationships that come with it – to negotiate the optimal mortgage solution for your unique circumstances.

    Here are some of the reasons that our high-net-worth clients trust us with their mortgage needs:



    We’re an independent, whole-of-market broker, with strong ties to high street, Private Banks, and specialist lenders. By leveraging these relationships with over 175 lenders, we’ll negotiate an innovative, bespoke solution that’s right for you.

    Expertise and Experience


    To offer our high-net-worth clients holistic advice, we partner with wealth advisers and accountants to draw on their expertise when needed. Our expert advice is tailored to our client’s current and future needs considering the full lending landscape.

    Quality Service


    With an average rate of 4.97 out of 5 based on more than 1800 reviews, we offer an exceptional client experience. Focus on your day-to-day, while we take care of everything on your behalf.

    A million pound plus house bought with a million pound mortgage

    Securities-Based Loan Options: Lombard Loans

    Lombard loans are a type of secured loan that allows individuals or businesses to borrow funds by using their existing financial assets as collateral. This could include an investment portfolio, stocks and shares or other securities. Lombard lending is commonly offered by private banks and financial institutions to high-net-worth individuals and can be an advantageous option for individuals who are asset-rich income-poor.

    Learn more about Lombard Loans

    High-Net-Worth Exemption Mortgages

    Lenders can take a more flexible approach and loosen affordability rules on regulated mortgages for high-net-worth individuals. High-net-worth individuals are defined by the FCA as those with an annual net income of no less than £300,000 or net assets of no less than £3 million.

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    Non-Standard Income

    We specialise in handling complex mortgage applications for clients who fall outside the conventional criteria, such as those with non-standard income or multiple income streams.

    Some examples include:

    • Onshore and offshore trusts
    • Personal pensions
    • Bonuses or commission
    • Dividends from stocks and shares
    • Company profits
    • Rental income
    • Foreign currency

    Leveraging our extensive network of lenders, we connect you with the most suitable private bank or specialist lender that lend to individuals with non-standard income and cater to your unique financial requirements.

    High Value Interest-Only Mortgages

    High value interest-only mortgages can provide greater flexibility for the right type of client by lowering your monthly mortgage repayments. This option may be suitable if your income is expected to increase in the near future.

    As the monthly repayment is lower relative to a standard repayment mortgage, high-net-worth clients may find they have greater financial freedom to exercise their wealth without liquidating assets or impacting on cash flow.

    Individuals will have to demonstrate they have an acceptable repayment vehicle to pay off the loan at the end of the mortgage term. These can include one or more of the following:

    • Savings – saving towards the final lump sum payment through ISAs or other types of saving account.
    • Stocks and shares.
    • Liquidating other assets and properties can be used in the future to pay off your mortgage.
    • Pensions – withdrawing from one or more pension at the end of the term.

    Multi-Million-Pound Mortgages

    When dealing with substantial loan amounts, lenders need to thoroughly assess the borrower’s financial background, creditworthiness, and ability to repay the loan due to the heightened level of risk for lenders. They also consider the value and type of property being financed, as well as any potential fluctuations in the market. These rigorous evaluations are intended to protect both the lender and the borrower from undue financial risks.

    Furthermore, multi-million-pound mortgages may require the coordination of multiple parties. This includes liaising with the lender, solicitors, surveyors, and potentially other professionals involved in the transaction. The complexity of coordinating these different stakeholders and ensuring timely communication and documentation can be a daunting task for borrowers.

    Our network of lenders and market experience, helps us to leverage these connections to streamline the mortgage process ensuring smoother communication and coordination between all parties involved, increasing the likelihood of a successful outcome for our clients.


    Private Bank Mortgages

    Private Banks provide a tailored mortgage solution and bespoke underwriting for clients meeting their requirements and profile. They often provide ancillary services such as banking and wealth management that dovetail well with their client’s needs and might form part of the mortgage solution.

    Whether you are ‘asset rich, cash poor’ or ‘income rich, cash poor’ or require a more flexible approach, our long-standing relationships with private banks will help you connect with the right bank and that your specific financial requirements are met.

    Find out more about private bank mortgages.

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

    Mortgage Tools and Resources

    With our online mortgage tools, find the information you need using our helpful guides, information on the best mortgage rates and handy mortgage calculators.

    Private Finance