High Net Worth Mortgages

A high net worth mortgage typically refers to lending of £1 million or more, though this can vary by lender and jurisdiction. It’s designed for individuals with significant wealth, often with complex income structures, global assets, and non-standard financial profiles that don’t fit traditional underwriting models.

As you would expect, high-net-worth mortgages are individually negotiated. They are based on your personal situation and the circumstances in play.

• For "simple" mortgages up to £5 million, we may go to high street providers, keeping fees competitive. Interest rates are typically very low, less than 1.5%, for example
• For private banks where you have assets under management, you can expect 1.5 – 2.25% per annum over the cost of funds
• For private banks where you have no assets under management, the interest rate range will be 2.5 – 3.5%
• And for complex, specialist cases, interest rates are anywhere between 3.5 and 7% are possible

High-net-worth mortgages are always based on your individual circumstances. We negotiate all aspects of a mortgage on a case-by-case basis, meaning you benefit from a high degree of flexibility, and the mortgage will be fit for purpose.

Because every mortgage we offer is tailored, it is possible to arrange significant mortgages if you have a low income. We can also help you if you have insufficient provable income according to the lender's rules around affordability. Here, we will typically try and show that you own other assets that you could invest to create income, repay the loan, or give the lender background support to be comfortable with the credit risk. In these cases, we will typically be able to secure you a large mortgage even if you have little income.

We can also deploy other mechanisms. For example, pre-paying interest, releasing equity from your property to pay for the interest cover, or placing assets with the bank as additional security can all be used to create the correct mortgage solution for you.

We are uniquely positioned in the market. We have the track record and expertise to secure mortgages for high-net-worth individuals from all over the world. We can use your global assets as security, and we have the know-how to deal with any profile, ownership structure, situation or anything else that applies to your situation.

We can secure mortgages against property worldwide. Our track record and unparalleled access to more than 500 lenders means we will always be able to negotiate the best deal for you.  

Many UK high street lenders have departments that deal with high-net-worth individuals, and some offer special products if you fall into this category. Pricing is often competitive, but on the flip side, you may find that the criteria are rigid and inflexible. If you are looking for a high-net-worth mortgage with a high street lender, be prepared to go through the lender's "standard" application mortgage process – there are rarely alternative procedures for high-net-worth mortgage applicants. 

Private Banks can offer highly personalised and individually underwritten mortgages. Rates are calculated on a case-by-case basis, and the terms of a high-net-worth mortgage can be adapted to meet your requirements. The mortgage rate you are offered by a private bank will typically depend on several factors. Placing other assets with the bank for them to manage will usually result in a lower mortgage interest rate overall.

Some specialist lenders also cater to high-net-worth borrowers. These parties are often used for high loan-to-value properties and for other specialist parts of the market.

Finally, international lenders will enter the fold for very large mortgages and could be an option if your property or situation fits into this category. Such players will typically enter the high-net-worth mortgage space using lending to attract valuable clients.

For most people in the "standard" part of the mortgage market, purchasing a home is likely to be their single most significant investment. Their ability to buy will depend heavily on income and assets. 

If you are a high-net-worth individual, generally speaking, your financial situation may be a little more complex. For example, you may have significant assets and net worth but a comparatively limited cash flow. Alternatively, you may trade with your bonuses or future income and need a financial package that takes all of this into account. We are used to scenarios like these, and if your situation is similar, you know upfront that you require more than an "off-the-shelf" mortgage option. We help high-net-worth individuals negotiate the most competitive mortgage rates and terms, catering to your personal situation and financial landscape. 

The high-net-worth mortgage market may not have the breadth of the mass market, but the application process remains relatively similar. Before a mortgage can be arranged, you will need to confirm your income, assets and overall financial situation. Complex scenarios require bespoke mortgage solutions, and it's here in particular that Enness Mortgages can offer you valued assistance and guidance.

Our world-class team of industry experts have built relationships with different mortgage providers across the board. We have access to in-depth data, flexible lending when arranging high-net-worth mortgages and a reputation that opens doors for us and - by extension - for you. 

Enness' lending panel is completely unrestricted, allowing us to cater to you regardless of the details that can limit other mortgage brokers, like your nationality or political status. Even if you have an extremely complicated financial situation, we will be able to help you unpick troubled elements, refinance them and put everything back together on a firmer footing. We can also secure the use of a variety of different assets as collateral against high-net-worth mortgages.

For some individuals seeking a high-net-worth mortgage, there will be scenarios where a short-term solution is required to protect your assets which could be refinanced later. We often see assets such as fine art, classic cars, jewellery, gold, fine wine and antiques used as collateral when looking to secure high-value mortgages. Such solutions are one of a kind and are built around your unique scenario and situation. We can micromanage these unique solutions, significantly reducing your financial stress. 

Utilising existing assets to reduce short to medium term financial strain is easy in theory but not so easy in practice. We start by looking at the overall picture, taking into account your assets and liabilities before advising you on the best way forward. Whether you are looking to purchase a new property, refinance or restructure your assets, there are ways and means of doing this. Some may require "out-of-the-box thinking", bringing together various financial arrangements. We will play with multiple solutions and options to work out how we can best help you.

Yes, Enness arranges UK mortgages for borrowers paid in foreign currencies including USD, EUR, CHF, AED, and SGD. Enness works with private banks and specialist lenders who assess foreign currency income after applying a currency haircut to account for exchange rate fluctuation. This haircut varies by lender and currency but does not prevent HNW borrowers from accessing competitive mortgage terms. Most high street lenders decline foreign currency income; Enness accesses the private banking market where this is standard practice. 

Enness has arranged individual mortgages well in excess of £100 million. There is no fixed upper lending limit when Enness is acting as broker, loans are structured bespoke through private bank and specialist lender relationships, based on the borrower's net worth, asset quality, and the property being purchased. For very large loans, Enness may approach multiple lenders to syndicate the facility. 

Yes. Enness regularly structures cross-border lending strategies for HNW clients. A common example is releasing equity from a UK property to fund a purchase in France, Monaco, Dubai, or Switzerland. The mechanics depend on each lender's cross-border appetite, but Enness's international lender network, spanning the UK, Europe, the Middle East, and beyond, means multi-jurisdiction solutions are achievable. 

Enness can typically secure up to 75–80% LTV on prime London property through mainstream mortgage lenders, and 65–70% LTV through private banks who may require assets under management. On super-prime properties valued above £10 million, lenders are more conservative, but Enness negotiates individually with private banks to maximise LTV based on the borrower's overall financial profile. 

Yes. Enness arranges mortgages for borrowers who hold property through offshore companies, SPVs, family trusts, or multi-layered holding structures. Private banks and specialist lenders understand these arrangements and can lend to the structure rather than requiring a personal name on the loan. The key is presenting the structure clearly and demonstrating the ultimate beneficial owner's financial strength, something Enness's brokers do as a matter of course. 

Enness works with private banks that take a holistic view of wealth rather than relying on income multiples. These lenders assess total net worth, quality of assets, investment portfolios, business interests, and liabilities. This means clients with significant illiquid assets, such as private equity holdings, business equity, art, or real estate, can access mortgage finance through Enness where a high street bank would decline on income grounds alone. 

Yes, in certain circumstances. Enness has access to private banks that lend on an asset-backed basis with minimal income documentation, provided the borrower can demonstrate substantial net worth and liquid assets. These are bespoke, individually negotiated arrangements, not available through mainstream channels, and Enness's private banking relationships are essential to accessing them. 

Yes. Enness arranges UK mortgages for non-residents and overseas nationals regularly. Private banks in particular actively cater to international buyers of London property. Terms depend on the borrower's nationality, domicile, existing banking relationships, and the purchase structure. Enness manages the entire process, including navigating lender requirements around source of funds and international income verification. 

Interest-only mortgages are popular among HNW borrowers because they preserve liquidity and allow capital to be deployed in higher-returning investments rather than repaying mortgage debt. Enness arranges interest-only mortgages for clients through private banks and specialist lenders. Lenders require a credible repayment vehicle, typically a sale of the property, investment portfolio drawdown, or business exit, and Enness helps clients present this clearly. 

Yes. Enness has extensive experience arranging mortgages for professional athletes in football, rugby, tennis, golf, and other sports. Standard lenders struggle with the fixed-term nature of sports contracts and the risk of injury or career change; Enness works with specialist lenders who understand these profiles and will factor in contract income, image rights, endorsement deals, and future earning potential. 

Yes, in some cases investment portfolios can be used to support or partially secure a high-net-worth mortgage. Rather than relying solely on employment income, certain private banks and specialist lenders will consider liquid assets such as listed equities, bonds, managed portfolios, or cash holdings when assessing borrowing capacity.

This approach can allow borrowers to retain their investment strategy while accessing property finance, rather than needing to liquidate assets to fund a purchase. Depending on the lender and overall relationship, portfolios may be pledged as collateral, incorporated into affordability assessments, or used alongside assets under management as part of a wider lending structure.

These types of arrangements are typically relationship-led and tailored to the borrower’s broader balance sheet, which is why working with an experienced broker is important when structuring finance around complex or internationally diversified wealth.