High-Net-Worth Mortgages

High-net-worth mortgages are designed for borrowers with substantial assets, complex income structures, or international financial profiles. Unlike standard residential lending, these mortgages are assessed on a more holistic basis, with lenders considering overall wealth, asset base, and long-term financial position rather than relying solely on income multiples.

These structures are commonly used in higher-value transactions, including prime London property, international acquisitions, and portfolio lending. Greater flexibility is often available, particularly where borrowers hold liquid or investment assets, with options such as interest-only lending and bespoke repayment strategies.

We work with private banks, high street banks, and specialist lenders to structure tailored mortgage solutions aligned to each client’s requirements.

Indicative Terms

Important

High-net-worth mortgages are structured on a fully bespoke basis. Indicative terms shown for guidance only. Pricing and leverage vary depending on the borrower’s overall financial position, assets, and the structure of the transaction.