Looking for high-value, complex, and private bank mortgages in the UK and internationally? Our extensive network of global private banks allows us to secure funding tailored to your unique needs. With an unparalleled reputation in the market, we often receive referrals from leading private banks when they’re unable to assist their clients directly. Trust us to navigate the intricacies of private banking for your mortgage solutions. Contact us today to learn more about our exceptional services
What is a Private Bank Mortgage?
A private bank mortgage is a bespoke home loan solution tailored specifically for high and ultra-high-net-worth individuals. Offered by prestigious private banks, these mortgages are designed to accommodate large loan amounts, complex financial structures, and unique borrower needs.
Typically starting from £1 million and extending to tens of millions, private bank mortgages provide exclusive access to high-value property financing -often with loan-to-value ratios up to 100%.
Key Features and Benefits of Private Bank Mortgages:
- Large loan amounts: Finance from £1 million upwards
- High LTV options: Up to 100% LTV in select cases
- Open to global clients: Available for foreign nationals, expats, and non-UK residents
- Flexible underwriting: Ideal for complex income structures, business owners, and asset-rich clients
- Exclusive exemptions: Includes interest-only options, pre-funded facilities, and occasional-use mortgage exceptions
- Wealth-friendly structuring: Supports offshore/onshore trusts, limited companies, foundations, and other entities
- Broad lender access: Connect with all major private banks lending against UK real estate
- Discreet and independent advisory: Receive a tailored, responsive, and confidential service
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Private Bank Mortgage Experts
Enness brokers specialise in private bank mortgages, offering expert solutions for high-net-worth individuals. We help secure financing for complex scenarios, including multi-million-pound properties and clients from abroad.
Private Bank Mortgage FAQs
Do Private Banks Offer Better Mortgage Rates?
Private banks are often able to offer more competitive mortgage rates compared to high street lenders, but it’s not just about the interest rate. While many private banks aim to attract high-net-worth clients by providing lower rates, they also offer a range of additional benefits, such as personalised service, quicker application processes, and custom underwriting.
Unlike mainstream lenders, private banks are more adept at structuring flexible mortgage solutions to meet complex financial requirements. These can include higher loan-to-value (LTV) ratios, interest-only options, and buy-to-let arrangements, which are not commonly available through traditional banks.
To access the best rates, you’ll typically need to bring additional assets under management (AUM) or agree to move your banking relationship. In return, you’ll benefit from custom mortgage solutions and a high level of personal attention, providing a level of flexibility that goes beyond what most high street lenders can offer.
How do I qualify for a private bank mortgage?
Private banks typically cater to high-net-worth individuals (HNWIs). As per the FCA definition, an HNWI is someone with a net income of £300,000 and/or net assets of £3,000,000. Moreover, private banks usually prefer loans of at least £1,000,000 and maintain more conservative Loan-to-Value ratios (e.g., 65%, but potentially extending up to 90%).
Private banks offer a much more flexible and holistic approach to mortgages and can consider more convoluted income streams & assets to get the mortgage required. They will also assign you a banker once your mortgage is completed to assist you with any financial requirements you may or may not need in the future.
Which Private Banks Offer Mortgages
Many, but not all, private banks offer mortgages. Some reserve their lending capacity for their existing customers, some will need sight of a bigger relationship to enable a new mortgage to be advanced whilst others will need you to share the same ethos as the bank to open an account.
Enness are proud to work with a vast number of private banks from all over the world. Access and knowledge is vital.
How do Private Bank Mortgages Work?
Usually, a private bank mortgage application will involve a personal meeting with a banker, a full conversation on plans and background plus plenty of information on the borrower's income and assets.
Some private bank lenders need a personal recommendation from an existing account holder whilst others have a minimum income or asset base needed to qualify.
We cut through the mystery and process to directly arrange market-leading private mortgages for our clients made possible through our market position, reputation and experience in this part of the market.
Do Private Banks Need AUM for a Mortgage?
AUM (assets under management) is a core part of the private banking world and is often a prerequisite to securing the best possible terms.
Some private banks require a minimum amount to be invested with them; some require a percentage of the new private mortgage to be placed with them either as custody or to manage. A few private banks operate on the potential of a new client to bring assets and of course, there are plenty of private banks who are happy to lend without needing anything in return.
As with everything else, the amount of AUM needed is often fully negotiable and can be structured in lots of different ways.
What Are the Benefits of a Private Bank Mortgage?
Private banks can offer very low private mortgage interest rates, personalised mortgages and bespoke underwriting. They can also move very quickly and produce solutions high street mortgage lenders can't.
By looking at your entire situation, getting to know you as a person and taking the time to understand your plans, private banks offer tailored private mortgage solutions to international high net worth clients.
Need a Private Bank Mortgage?
Here's How Enness Can Help
We are proud of our private banking relationships and work hard to develop our position and access in this space.
There are a few private banks who only work with a tiny number of brokers and we are always in that set. In fact, some private banks refer their clients to Enness when they are unable to assist.
If you think a private bank mortgage would be beneficial speak to one of our team and let us navigate and negotiate on your behalf.
Schedule A CallbackPrivate Bank Mortgage Case Studies
Recent private bank mortgages arranged by Enness, including cross-border purchases and lending against assets rather than income.
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