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Read our Full Guide To High Net Worth Mortgages

The Challenge For High Net Worth Individuals

When it comes to higher borrowing or large mortgages over £1 million, high street lenders usually require a larger deposit.

Typically many high street lenders will cap lending at 70% to 75% LTV (loan to value). For example, as a borrower on a central London property priced at £5 million, you would be expected to deposit £1.25 million to progress the deal.

This can be a sticking point for our clients who want to maintain cash liquidity but, from an affordability perspective, can easily afford to borrow at a high level.

Luther Yeates

Luther Yeates

Head of Private Clients

For some of our HNW clients, a private bank lender will offer the best solution not only for their immediate borrowing needs but also for their longer-term wealth management.

This should be a long-term relationship that lasts for many years, so it makes sense to get an introduction to the private bank that will suit you best.

Our Solution:

The good news is that we work with private mortgage lenders that take a more bespoke approach. We can put in place lending solutions which are tailored to your needs.

This often means that you can secure a mortgage at a higher loan to income ratio via a private bank (for example, six times your salary or even higher) and at a higher loan to value ratio due to particular high net worth exemptions.

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 private lenders that look at your full financial profile which means we can often source lending solutions that are purely bespoke.

Private Lender Mortgage

Why Clifton Private Finance?

Our expert team of private bank mortgage brokers has strong and established connections with private lenders and will introduce you to the best solution for your circumstances.

Related: What qualifies as a high net worth mortgage? 

Book a telephone consultation at a convenient time to suit you:

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Or call us now on 0203 900 4322 to discuss your requirements.

Recent Private Finance Case Studies

Case Study: High Value Bridging Loan for Semi-Commercial Property
Bridging Loan for Semi-Commercial Property with Complex Exit Strategy
Area
Bath
Capital Raised
£2.55m
Case study: £1.2M Bridging Loan for Property in South Africa
Bridging loan on UK property to Purchase Home in South Africa
Area
Cape Town
Capital Raised
£1.2M
Securing a Residential Mortgage for a £20 Million Surrey Home
Securing a Residential Mortgage for a £20 Million Surrey Home
Area
Surrey
Capital Raised
£13m
Loan to Finance Purchase of Aston Martin DB6
Loan To Finance Purchase Of Aston Martin DB6
Area
London
Capital Raised
£300,000
Short Term Finance from Private Bank Secures £1.6m Colchester Home
Short Term Finance from Private Bank Secures £1.6m Colchester Home at Low Interest Rate
Area
Colchester
Capital Raised
£800K
Large Mortgage for Business Owner with Complex Offshore Holding Company and Trust Structure
Large Mortgage for Business Owner with Complex Offshore Holding Company and Trust Structure
Area
Orpington
Capital Raised
£1.4m

Specialist Private Bank Mortgage Broker, Clifton Private Finance

 
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