Specialist

High Net Worth Mortgage Service

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high net worth mortgages

Clifton private finance

We specialise in sourcing finance for high net worth individuals on residential and commercial property transactions in the UK

We are experts in helping high net worth individuals and high earners secure large mortgages.
Through our connections we can source finance from UK banks who offer bespoke mortgages & shorter term finance products designed specifically for high net worth clients, which often offer attractive interest rates and flexible loan terms.
  • Our strength as a specialist mortgage broker is providing access to residential and commercial property finance from £250,000
  • We can provide direct access to underwriters at high street and private banks
  • Market leading rates
  • Interest only and interest roll up options
  • Revolving mortgage options - unlock the equity in your main home & access funds whenever you need to
  • We can help if you have complex income e.g. income from multi currency, offshore trust or family trust arrangements
  • Solutions for UK expats, non-dom & foreign nationals buying or remortgaging UK property
  • Fast professional service. We understand that sometimes finance needs to be arranged quickly!
  • If you have assets that you would like to be leveraged as part of the transaction such as your investment portfolio, other property or pensions; our team can look at leveraging these assets to negotiate more flexible lending criteria and more favourable interest rates, to help you get the best deal
Through our market knowledge we can deliver enhanced, bespoke or exclusive terms based on your requirements.  
Call us on 0203 900 4322 to discuss your requirements.
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Contact Us

High Net Worth Mortgage Service

Specialist high net worth mortgage service providing:

Our service provides expert help to high net worth clients who might have complex income arrangements.
This can include bonus payments, profit-sharing agreements, or income and dividends from self-employment. 

What is a high net worth?

The definition of high net worth as outlined by the Financial Conduct Authority (FCA) is a customer with earnings no less than £300,000 pa or net assets no less than £3 million. Assets can include equity in residential property. 

We work with lenders who can offer bespoke rates for HNW customers.

How much of my bonus income will go towards a high value mortgage application?

This will vary from lender to lender. Some high street high value lenders will use 25% of the last bonus earned while some lenders we work with will take up to 100% of the bonus. Private banks will take a bespoke approach so bonus income may be only part of the decision to lend.

Can I use foreign currency earnings towards a high net worth mortgage?

Yes. Different lenders have different criteria on what currencies can be used and where the money comes from.

What loan to value (LTV) can I get on a HNW mortgage?

It will depend on a number of factors. Some of our clients have been able to secure a 95% LTV mortgage on multi million pound properties due to their income profile and future earning prospects. High value lenders will often look at the client profile and other factors in determining how much they will borrow and how the mortgage finance will be structured.

With a high loan to value most lenders where mortgage borrowing is in excess of £1 million will often want to see a repayment plan in the first 5 years to lower the LTV.

Call us today to discuss your requirements on 0203 900 4322 or complete our callback form above.
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