Question 1

What qualifies as a 'High Net Worth' mortgage?

Accepted Answer

Lenders typically define High Net Worth individuals as those with an annual net income of £300k+ or net assets of £3m+. This allows for more flexible underwriting rules and bespoke loan structures.

Question 2

Can I use assets instead of income for a mortgage?

Accepted Answer

Yes, many private banks and specialist lenders can use your liquid assets (stocks, shares, cash) as security or to prove affordability, rather than relying solely on a traditional salary.

Question 3

Are interest rates different for large loans?

Accepted Answer

For loans over £1m, you often have access to bespoke pricing and private banking facilities. While rates may be similar to the high street, the flexibility in how income is treated is the main advantage.

Question 4

Can I get a mortgage for a property with a very high value?

Accepted Answer

Yes, we work with private banks that have no upper limit on loan sizes, provided the property value and your financial position support the borrowing.

Question 5

How do lenders view complex global income?

Accepted Answer

Private banks specialize in 'holistic' underwriting. They will look at your global interests, including offshore income, trust funds, and multi-currency earnings, to build a complete picture of your wealth.

High Net Worth Mortgages

Holistic Wealth Underwriting

Asset-Based Lending

Private Banking

Bespoke Private Finance Process

Wealth Audit

Private Banking Search

Holistic Underwriting

Completion

Frequently Asked Questions