Private Mortgage Case Studies & Articles
Location: England
Value: £6,000,000M
12th June 2025
£6M Refinance of a £18M Country Estate
Location: UK
Value: £11,000,000m
Location: London
Value: £5,000,000
What is a Private Bank Mortgage?
A private bank mortgage is a specialist form of property finance offered exclusively by private banks. These mortgages are tailored to wealthy individuals with complex financial profiles, significant assets, or international interests.
Loan sizes usually start from £1 million (or equivalent in other currencies) and can extend into the tens of millions. In certain cases, loan-to-value (LTV) ratios can reach 100%, making private bank mortgages especially attractive to high-net-worth borrowers who require flexible, high-value funding.
Key Features and Benefits
- Mortgages from £1 million to tens of millions
- High LTV lending, including up to 100% in select cases
- Available to foreign nationals, UAE residents, expats, and non-residents
- Suitable for complex income, wealth, and asset structures
- Interest-only and rolled-up interest options
- Accommodates offshore/onshore trusts, companies, and foundations
- Lending available against prime real estate in the UAE, UK, and Europe
- Independent, discreet, and tailored service
Talk to an Expert Now!
Private Bank Mortgage Experts
Enness brokers specialise in navigating the private banking world and securing bespoke property finance. Whether you are a UAE-based client purchasing in London, Monaco or Dubai, or an international investor acquiring prime UAE real estate, we will source competitive and discreet mortgage arrangements tailored to your circumstances.
Islay Robinson
GROUP CEO
Toby Johncox
GROUP MD
Private Bank Mortgage FAQs
Do Private Banks Offer Better Mortgage Rates?
Private banks can often offer more competitive rates than mainstream lenders, but the real value lies in the flexibility of their lending products. In addition to lower rates, you benefit from a personalised service, faster decision-making, and bespoke underwriting that takes into account international income, cross-border wealth, and complex ownership structures.
How Do I Qualify For a Private Bank Mortgage?
To qualify, you generally need to be a high-net-worth individual with a significant income or asset base. Private banks typically look at loans of £1 million and above, and although LTVs vary, many are open to lending up to 90% – or even 100% – depending on your overall financial position. Flexibility is key: income from businesses, investments, or multiple jurisdictions can often be considered.
Which Private Banks Offer Mortgages
Not all private banks lend against property, and those that do may require you to establish a broader relationship with them, often through assets under management (AUM). At Enness, we work with a wide network of private banks in the UAE, Europe, and internationally, providing you with access to mortgage options that are otherwise unavailable or highly exclusive.
Do I need assets under management (AUM) to secure a mortgage?
In many cases, yes, AUM can be a condition of accessing the best mortgage rates or highest LTVs. Some banks will ask you to transfer a portion of your wealth for them to manage, while others are more flexible. At Enness, we will help you negotiate the right balance, allowing you to access the best terms without committing more than you wish.
What Are The Benefits of a Private Bank Mortgage?
Private banks offer speed, discretion, and tailored solutions. Unlike retail lenders, they will take the time to understand your global financial position, long-term plans, and objectives. This enables them to structure mortgages that suit your lifestyle and investment strategy, whether you are acquiring a family residence, a second home, or an investment property.
Need a Private Bank Mortgage?
Here's How Enness Can Help
Enness has longstanding relationships with private banks in the UAE, Europe and worldwide. In some cases, we are among a very small number of brokers through whom you can access lending. Our reputation and market position enable us to negotiate terms and structures that would otherwise be unavailable.
If you are considering a private bank mortgage, whether for a UAE property or an international purchase, our team will guide you through the process, introducing you to the right lenders and negotiating on your behalf to achieve the best possible outcome.
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