4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
For clients with a sizeable asset base, complex income, or larger and more intricate borrowing needs, private bank mortgages can offer the flexibility, bespoke underwriting, and personal service you require.
Rated 4.97 out of 5 from 2,400+ reviews
private bank mortgages
A private bank mortgage is a lending facility arranged through a private bank rather than a high street lender. Instead of applying fixed affordability rules, private banks assess each client individually, taking account of your wider financial picture, including income, investments and background liquid assets, and structure the loan around your circumstances.
They’re typically suited to high net worth individuals with larger or more complex requirements, where a standard mortgage is either unavailable or too rigid to fit.
High street lenders can apply set affordability models and automated underwriting. That can work well for straightforward cases, but it can restrict borrowing for clients with complex income or substantial but illiquid wealth.
Private banks assess your full profile on a case-by-case basis. They can apply greater flexibility on affordability, factor in assets alongside income, and tailor terms, often extending to larger loans and higher loan-to-value than the high street will consider.
Why private finance
Private bank mortgages can be attractive, but they aren’t suitable for everyone, and access is rarely direct. Our brokers assess your circumstances honestly, then do the heavy lifting to introduce you to the most suitable bank and structure the strongest case.
With over 25 years of close private bank and specialist lender relationships, we know who to approach and how to present your case.
We consider your wider financial picture, partnering with wealth advisers and accountants where useful, so the advice fits both your present and future needs.
An average 4.97/5 from more than 2,000 reviews. We keep the process simple, do the research and paperwork, and keep you updated throughout.
arrangement
When applying for a Private Bank mortgage, the process typically involves a personal meeting with a banker to discuss your plans, background, and financial situation. This comprehensive conversation allows the bank to also gather information on your income and assets.
Private Bank lenders may have a minimum income or asset requirements for their clients to satisfy. Others may request a personal recommendation from an existing account holder or intermediary such as Private Finance. The specific criteria vary among lenders.
Engaging in multiple introductions to find the right fit can be time-consuming and cumbersome. At Private Finance, we streamline the process and connect you with the Private Bank that offers the best-suited solution for your unique circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Next steps
01
Your journey starts with a free initial consultation, usually completed on the same day as your enquiry. During this call, we’ll get to know you and understand exactly what you need. This is all with no obligation to proceed.
02
We compare 300+ lenders to identify competitive terms for your property needs. Where most brokers can only access around 70 lenders, we leverage solutions from private banks, specialist lenders, building societies and the high street.
03
We complete the paperwork, submit the application, and chase the underwriters, valuation, and mortgage offer, keeping you updated throughout the whole process.
Whether you’re ready to proceed or just wondering if a private bank mortgage is right for you, a call with one of our mortgage experts can help you find the way forward.
Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
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