High-Net-Worth & Large Loan Mortgages
Above a certain level, mortgages stop being products and become negotiations. We conduct those negotiations — with private banks and specialist desks that never advertise.
Lending that reads a balance sheet
Carried interest, vesting stock, trust distributions, income across three currencies: mainstream affordability calculators simply reject what they cannot categorise. HNW underwriting instead asks one question — does the overall wealth support the debt? We frame your case to answer it decisively.
- Large loans from £1m to £25m+, arranged discreetly
- Private bank relationships — with and without assets under management
- Interest-only with sale-of-property or investment-backed repayment
- Lombard-style and securities-backed structures alongside property debt
- Prime London, country estates, listed buildings and unusual assets
Discretion as standard
Our clients rarely want their affairs circulated across a dozen lending desks. We approach a shortlist — typically two or three institutions matched to the case — under strict confidentiality, and negotiate terms in parallel.
Where a private bank expects assets under management as the price of admission, we quantify that trade-off honestly against specialist lenders who ask for nothing but the deal. The cheapest headline rate is not always the cheapest arrangement.
Answered before you ask
UK rules allow tailored underwriting for clients with £300k+ annual net income or £3m+ in net assets. It gives lenders freedom to structure around wealth rather than payslips — used properly, it unlocks terms unavailable elsewhere.
Some do, some don't, and some negotiate. AUM requirements range from none to 50%+ of the loan. We compare the whole cost of each relationship — rate, fees and tied assets — so the decision is financial, not emotional.
Frequently, yes — particularly where a portfolio produces stable six-figure rental profit. Lenders will stress-test the income, but professional landlords with clean books borrow at this level routinely. Presentation, again, decides the outcome.
Complex wealth. Uncomplicated process.
One confidential conversation to understand the full picture. Then a shortlist, negotiated terms and a single recommendation.
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