Mortgages for High Net Worth Individuals
Off-the-shelf mortgage products rarely suit complex wealth. We arrange bespoke, large-loan finance for high net worth clients through our established private banking relationships.
Bespoke Large Loan Finance
When financing prime residential real estate, a standard affordability calculator is insufficient. High net worth exemptions allow lenders to take a more holistic view of your global wealth. We specialise in presenting complex financial profiles:
Complex Income Streams
We secure finance based on varied and sophisticated income structures, including
multi-currency earnings, vested stock options, complex trusts, retained corporate profits,
and significant annual bonuses.
Private Banking Relationships
Through our extensive network, we bypass high street branches and deal directly with private
banks and specialist lenders who offer tailored underwriting and understand the nuances of
substantial wealth.
Asset-Backed Financing
We can arrange mortgages where affordability is demonstrated through liquid assets and
investment portfolios (Lombard lending) rather than traditional earned income, providing
ultimate flexibility.
Maximum Discretion
We appreciate that privacy is paramount. We handle your financial affairs with the absolute
highest level of discretion, working seamlessly alongside your family office, wealth
managers, or accountants.
Tailored Structuring
Whether it's an interest-only facility to maintain market liquidity, holding the asset within an offshore structure, or securing a pied-à-terre in London, we structure the debt entirely around your broader tax position and wealth strategy.