FCA Regulated
Private bank access
Manual underwriting
Large loans
Beyond the high street
If your income is above GBP 300,000, your property is worth more than GBP 1 million, or your financial situation involves multiple income streams, investments and international elements, the standard lending market is not built for you.
We have relationships with private banks and wealth management lending teams across the UK. These lenders assign a dedicated underwriter to each case, assess your income manually, and structure deals that work for your specific situation.
What makes high net worth different
Who this is for
- High earners with complex remuneration (bonuses, equity, carried interest)
- Business owners and entrepreneurs
- Investors with substantial portfolios
- International or expatriate borrowers
- Trust and family office structures
Common questions
What counts as high net worth?
There is no fixed definition, but generally we are talking about income above GBP 300,000 per year, net assets above GBP 3 million, or mortgage requirements above GBP 1 million. If your finances are too complex for standard lending, this is the right route.
Are the rates better?
Private bank rates are often better than high street for the right client. Lenders compete hard for high net worth business. We negotiate directly with their lending teams to get you the best possible terms.
Can I get interest-only?
Yes, interest-only is much more commonly available from private banks. Repayment vehicles can include investment portfolios, property sales, pension drawdown or business exit proceeds.
Do I need to bank with them?
Some private banks require a broader banking relationship. Others are happy to provide a standalone mortgage. We know which ones offer flexible arrangements and will match you accordingly.