Specialist

High Net Worth Mortgages

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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

For HNW & UHNW clients we work with select high street and private banks on a bespoke basis.

We can offer you options providing:

  • Bespoke lending solutions from £500,000 to £25m
  • 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 e.g. onshore and offshore trusts
  • Lombard lending from £2m
  • 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

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*Overall Cost For Comparison


See our latest case studies »
Call our large mortgage loan team on 0203 900 4322 to discuss your requirements or complete our enquiry form.
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Capital Raised
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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 on 0203 900 4322 to discuss your requirements.
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