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 clients we work with select high street and private banks that will look at your requirement on a bespoke basis.

HNW Dedicated & Flexible Service

We can offer you options providing:
  • Bespoke lending solutions 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

£1 Million Interest Only Deal!

1.44% APR

2 Year Initial Rate

Subsequent rate 4.24%

APRC 4%*

Product Fee £1499

As at 10 December 2018.

5 Year Fixed

£1 Million Interest Only Deal!

1.89% APR

5 Year Initial Rate

Subsequent rate 4.24%

APRC 3.20%*

Product Fee £999

As at 10 December 2018.

10 Year Fixed

£1 Million Repayment Deal!

2.45% APR

10 Year Initial Rate

Subsequent rate 4.74%

APRC 3.3%*

Product Fee £999

As at 10 December 2018.

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 high net worth 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 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 as a high net worth individual 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 in the legal profession.
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%.

Latest 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

Interest only mortgage with flexible overpayment for UK expat in Bahamas
Area
Bath
Capital Raised
£1.35M
Splitting land titles on a country estate allows purchase with residential and buy to let mortgages
Area
Buckinghamshire
Capital Raised
£3.08M
Cayman Islands Expat Mortgage For Surrey Home
Area
Surrey
Capital Raised
£802K

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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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Get in Touch

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