The Go-To broker for High Net Worth Mortgages

Our specialty lies in providing tailor-made mortgage solutions for loans over £1 million. Our success is underpinned by our established relationships with private banks, mainstream banks, and specialist lenders. We pride ourselves on our personalised approach, understanding our clients’ unique profiles to match them with the right financial institution.  Our longstanding industry connections often enable us to unlock exclusive deals that transcend typical lending criteria. Clients looking for an expert mortgage broker value our proficiency and dedication to securing the best loan terms.

We thrive on sourcing unconventional mortgages, be it for non-standard property types, self-employment income, or foreign income sources. Mortgages are multifaceted, demanding a deep understanding of the market and strong banking relationships to secure the best deals. As a specialist in complex mortgages, we offer the expert knowledge and professional relationships essential to navigate these challenging scenarios. If there is a solution available for your complex mortgage needs, we will find it.

Our experience spans across a variety of asset classes and client types. From individuals looking to buy their trading premises to large organisations refinancing their commercial real estate portfolios.  We often engage multiple lenders simultaneously, presenting each deal with complete transparency.  As lenders are aware that they are in a competitive tendering process, we encourage the provision of the best possible rates. Our partners experience the difference that our client-centred approach makes in their commercial and real estate financing.

Navigating the complexities of buy to let mortgages can be demanding, particularly when faced with portfolio landlord criteria or seeking financing for an HMO or multi-unit block. As regulations for BTL Mortgages become increasingly complex, it’s more important than ever to have an expert broker to guide you through the diverse criteria on stress tests, property types, and portfolio restrictions. We demystify the complexities of BTL mortgages. We specialise in securing portfolio loans from multiple lenders, resulting in lower rates and higher leveraging.

Business owners encounter distinct challenges when pursuing mortgages, including the need to substantiate income and demonstrate stability. Our tailored mortgage solutions reflect the unique income structures of business owners. Traditional lenders tend to calculate their loan offers based on historical dividends, potentially underestimating the business owner’s real income. By partnering with us, you can take advantage of our expertise in sourcing mortgages designed for business owners. We carefully assess your income, liaising with lenders who consider your profit share, the latest year’s profit, or pre-tax profits to maximise your borrowing potential.

Sourcing the best bridging or development terms requires industry knowledge and expertise. Our team excels in sourcing deals for both non-experienced developers and seasoned professionals. We have access to low-rate bridging loans through strategic partnerships with building societies and private banks. Moreover, we specialise in arranging high-value self-build mortgages, ensuring that your financing needs are met throughout the entire development process. With our guidance, you can embark on your projects with confidence, secure in the knowledge that we will procure the most favourable rates and terms available.

A high net worth mortgage is a specialist mortgage available to clients who meet the FCA’s definition of a High Net Worth Individual — a net annual income of £300,000 or more, or net assets of £3 million or more. Once you meet this threshold, specialist lenders can apply different underwriting criteria, including higher income multiples, interest-only options, and bespoke repayment structures that mainstream lenders cannot offer. The key difference is that a high net worth mortgage is arranged through a specialist broker.

Standard mortgage brokers have access to high street lenders and a limited range of specialist products. Private banks — which offer the most flexible and competitive terms for large, complex mortgages — often require an introduction through an established broker with an existing professional relationship. A specialist HNW mortgage broker provides that introduction, presents your case in a way that maximises your borrowing potential, and manages the entire process. Without a specialist broker, you are limited to lenders you can approach directly, which rarely includes the best options for high net worth clients.

Yes, and this is one of the most common challenges we resolve for HNW clients. Standard lenders typically cap or discount bonus income, or require several years of history before considering it. Private banks and specialist lenders take a more flexible approach — we have secured arrangements where 100% of annual bonus income is used in the lending assessment, including bonuses paid in foreign currencies or in the form of carried interest, vested shares, or performance-linked payments.

We arrange mortgages from £1 million upwards, with no upper limit. Completed cases include a £2.85m residential purchase, a £3.7m mortgage for a US citizen, an £8m arrangement for a non-domiciled client at 1.2% margin, an £11m BTL portfolio loan, and a £15m HMO portfolio refinancing. Read our case studies for more information on the large mortgages we have arranged for clients.

Yes. We have significant experience arranging mortgages for non-domiciled clients, foreign nationals purchasing UK property, UK nationals living abroad, and clients with international income streams in foreign currencies. This includes cases involving offshore company structures and international trust arrangements. We know which lenders are comfortable with these profiles and will not refer you to institutions that will decline on residency or domicile grounds.

A straightforward HNW residential mortgage typically reaches offer within 3–5 weeks. More complex cases — involving multiple income streams, international elements, trust structures, or portfolio arrangements — usually take 6–10 weeks from instruction to offer. Completion timelines are then driven by the conveyancing process. We provide an honest timeline at the first conversation based on the specifics of your case.