Specialist

High Net Worth Mortgages

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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) - see case study
  • Uncomplicated approach to income & wealth - see our article on complex income
  • Large loan interest only mortgage 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 £5m

1.29% APR

27 Months Fixed Rate (Purchase)

Subsequent rate 3.54%

LTV - 60%

APRC 3.2%*

No Valuation Fee

Product Fee £999

Early Redemption Charges - Yes

As at 24th January 2022

5 Year Fixed

Up to £5 Million

1.44% APR

5 Year Fixed Rate (Remortgage)

Subsequent rate 3.54%

LTV - 60%

APRC 2.8%*

No Valuation Fee

Product Fee £999

Early Redemption Charges - Yes

As at 24th January 2022

5 Year Fixed

Up to £1 Million

1.69% APR

5 Year Fixed Rate (First Time Buyer)

Subsequent rate 3.54%

LTV - 80%

APRC 2.9%*

No Valuation Fee

Product Fee £999

Early Redemption Charges - Yes

As at 24th January 2022

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

Call our large mortgage loan team on 0203 900 4322 to discuss your requirements or request a call-back at a time that suits you.
Recent

Property Finance Deals

Director Loan Used as Deposit for Large Self Employed Mortgage
Director's Loan Used as Deposit for Large Self Employed Mortgage
Area
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Capital Raised
£1.6m
Quick Mortgage Arranged to Raise £1,286,250 For London Home Within Two Weeks of Making an Offer
Quick Mortgage Arranged to Raise £1.2m For London Home Within Two Weeks of Making an Offer
Area
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Capital Raised
£1.29m
Bridging Loan Example: £2.85m Bridging Loan to Buy High Acreage Home Before Selling Existing Property
£2.85m Bridging Loan to Buy High Acreage Home Before Selling Existing Property
Area
Buckinghamshire
Capital Raised
£2.85m
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
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
£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

More Opportunities »

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 or request a callback at a time that suits you.

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What Our

Clients Say

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