HNW Mortgages

Lending Options

We can offer you options providing:

• Bespoke lending solutions from £1,000,000
• 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

The Challenge:

For HNW/ Larger loan requirements, when it comes to mortgages over £1 million lenders will usually want to see a larger deposit.

Typically main stream 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 liquidity . 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.