High Net Worth
Bespoke lending for complex finances
High-value properties and complex income structures need a different approach. We work with private banks and specialist lenders who offer bespoke underwriting, manual income assessments and exclusive rates that are not available on comparison websites.
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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, both mainstream and specialist lending may be worth considering.
We have relationships with private banks and wealth management lending teams across the UK. These lenders may offer individual underwriting and tailored terms, subject to their criteria and assessment of your circumstances.
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?
Lender eligibility varies. The FCA defines a high net worth mortgage customer as someone with annual net income of at least GBP 300,000 or net assets of at least GBP 3 million, or whose obligations are guaranteed by someone meeting those thresholds. A GBP 1 million mortgage alone does not meet that definition. If your finances are too complex for standard lending, this is the right route.
Are the rates better?
Private-bank rates are not necessarily lower than high-street rates. The comparison depends on the borrower, loan, fees and any banking requirements. We negotiate directly with their lending teams to get you the best possible terms.
Can I get interest-only?
Yes, interest-only may be available, subject to the lender's criteria and an acceptable repayment plan. 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.