Specialist

High Earner Mortgage

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high net worth mortgages

Clifton private finance

We specialize in sourcing finance for high earners on residential and commercial property transactions in the UK

For large mortgage loans over £500k we work with select high street and private banks that will look at your requirement on a bespoke basis.

Dedicated & Flexible Service

We can offer you options providing:
  • Bespoke lending solutions for high earners from £500,000
  • Large mortgage loans up to 95% LTV (Loan to value)
  • Uncomplicated approach to income & wealth
  • Interest only options 
  • Mortgages for residential and investment properties
  • Options for short term finance (bridging), buy to let, commercial and development
  • Mortgage solutions for complex income arrangements
  • Solutions for HNW individuals
  • Offshore solutions for UK expats, non domiciled UK residents, UK residents earning in a foreign currency and foreign nationals
  • Independent service & expert advice

2 Year Fixed

Up to £10m

0.94% APR

26 Months Fixed Rate (Purchase)

Subsequent rate 3.59%

LTV - 60%

APRC 3.2%*

Interest Only - Yes

Cashback - £250

Product Fee £995

Early Redemption Charges - Yes

As at 6th September 2021

5 Year Fixed

Up to £10 Million

0.99% APR

62 Month Fixed Rate (Purchase)

Subsequent rate 3.59%

LTV - 60%

APRC 2.6%*

Interest Only - Yes

Product Fee £995

Early Redemption Charges - Yes

As at 6th September 2021

5 Year Fixed

Up to £2 Million

0.99% APR

62 Month Fixed Rate (Remortgage)

Subsequent rate 3.59%

LTV - 60%

APRC 2.7%*

Interest Only - Yes

Free Legals - Yes

Product Fee £995

Early Redemption Charges - Yes

As at 6th September 2021

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.

*Overall Cost For Comparison

The Challenge:
For larger loan requirements, when it comes to mortgages over £1 million lenders will usually want to see a larger deposit.
Typically many high street lenders will cap lending at 70% to 75% LTV (loan to value) e.g. on a central London property for example priced at £5 million as a borrower you would be expected to deposit £1.25 million to progress the deal.
This can be a sticking point for clients who want to maintain cash liquidity but from an affordability perspective can easily afford to borrow at a high level.
The Solution:
The good news is that we work with lenders that take a more bespoke approach to mortgage lending.
Bespoke lending based on a more informed approach to a client’s circumstances means we can put in place lending solutions which are tailored to a client’s needs.
For example many of our high earning clients want to work on an interest only basis.
Typical high street lenders will often have caps on how much can be borrowed on large loans over £1 million restricting the interest only portion to anything from 50% to 75% LTV.
We work with banks that look at your full financial profile which means we can often source lending solutions that are purely bespoke.
Recent Case:
We were able to secure a 95% LTV mortgage on a £1.9 million property.
In this case we worked with a private bank who took a positive view on the client's future earnings prospects.
With just a 5% deposit the client borrowed £1.8 million with a blended rate on a 5 year fixed rate. £1 million was secured on a rate of 2.09% and the balance at 2.59%.

Clifton Private Finance Case Studies

Call our large mortgage loan team on 0203 900 4322 to discuss your requirements or complete our enquiry form.
Recent

Property Finance Deals

Million Pound Bridging Loan Across Two Country Homes with Drawdown Flexibility to Fund Classic Car Purchases
Million Pound Bridging Loan Across Two Country Homes with Drawdown Flexibility to Fund Classic Car Purchases
Area
East Sussex
Capital Raised
£1.7m
Residential mortgage for £20m Surrey home owned via overseas company with complex self employed income
Residential mortgage for £20m Surrey home owned via overseas company with complex self employed income
Area
Surrey
Capital Raised
£13m
£2.7m High LTV Purchase for Partner in US Equity Firm
£2.7m High LTV Purchase for Partner in US Equity Firm
Area
North East England
Capital Raised
£2.3m
90% LTV Mortgage on £2.8m Hertfordshire Home for Family Planning Future Relocation to the UK
90% LTV Mortgage on £2.8m Hertfordshire Home for Family Planning Future Relocation to the UK
Area
Hertfordshire
Capital Raised
£2.5m
Large Bridging Loan On Sussex Property While Waiting For Planning
Large Bridging Loan On Sussex Property While Waiting For Planning
Area
Sussex
Capital Raised
£1.5m
Switching Lenders Secures Best Rates For £1.65m Central London Property For US Law Partner
Switching Lenders Secures Best Rates For £1.65m Central London Property For US Law Partner
Area
Central London
Capital Raised
£1.2m

More Opportunities »

Contact Us

High Earner Mortgage Service

Specialist mortgage service for high earners providing:

Our service provides expert help to high earner clients who might have complex income arrangements. This can include bonus payments, profit-sharing agreements, or income and dividends from self-employment. 
Call us today to discuss your requirements on 0117 959 5094
What Our

Clients Say

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Get in Touch

If you have any questions about our services or want to start making things happen please contact us