05-02-2025

For high-net-worth individuals, securing a mortgage isn’t just about finding a lender willing to offer a large loan. Instead, it’s about accessing flexible borrowing solutions that align with your complex income structure, asset portfolio, and long-term financial strategy.

Whether your wealth is tied up in investments, business interests, or international assets, standard mortgage products may not suit your needs. Instead, private banks and specialist lenders offer bespoke solutions designed for high-earning clients.

In this guide, we’ll explore the mortgage options available to high-net-worth individuals and how to secure the best deal.

What Qualifies as a High Net-Worth Mortgage?

A high-net-worth mortgage typically applies to individuals with:

  • A high income – Earning £300,000+ per year.
  • Significant assets – Net assets exceeding £3 million.
  • Complex finances – Income from multiple sources, such as investments, business dividends, or overseas earnings.

Lenders assess high net-worth clients differently from standard borrowers, often considering assets and overall wealth rather than just salary.

Mortgage Solutions for High-Net-Worth Clients

Private Bank Mortgages

Many high net-worth individuals secure mortgages through private banks rather than high-street lenders. Private banks offer tailored mortgage products with flexible terms, often requiring an ongoing banking relationship or asset management agreement.

Benefits:
✔️ Higher loan amounts than mainstream lenders.
✔️ Flexible underwriting that considers total wealth, not just salary.
✔️ Interest-only options with competitive rates.

Considerations:

  • You may need to place assets under management with the bank.
  • The best rates often require a strong relationship with the bank.

Large Mortgage Loans (Jumbo Mortgages)

High-value properties often require specialist mortgage products that exceed standard lending limits. Some lenders provide jumbo mortgages, offering loans of £1 million+ with bespoke repayment structures.

Benefits:
✔️ Custom loan terms, including interest-only options.
✔️ Competitive rates for low-risk borrowers.
✔️ Potential for borrowing against investment assets.

Considerations:

  • Higher deposit requirements (often 25–40%).
  • Strict affordability assessments, particularly for self-employed applicants.

Mortgages Based on Assets Rather than Income

For those with substantial wealth but low reported income—such as business owners who retain profits rather than draw income—some lenders offer asset-based lending.

How It Works:

  • Lenders assess your total assets, including property, investments, and business holdings.
  • Borrowing is structured around your net worth rather than monthly income.

Benefits:
✔️ Ideal for individuals with fluctuating or irregular income.
✔️ Access to higher loan amounts based on overall wealth.
✔️ More flexible repayment structures.

Considerations:

  • Some lenders may require assets to be placed under their management.
  • The structure of the mortgage may differ from traditional repayment options.

Offshore and International Mortgages

If you earn income in multiple currencies or own property overseas, offshore mortgage solutions can provide greater flexibility. These mortgages are often held in tax-efficient jurisdictions, making them attractive for international investors.

Benefits:
✔️ Suitable for expatriates and international investors.
✔️ Flexible currency options to reduce exchange rate risks.
✔️ Tax-efficient borrowing structures.

Considerations:

  • Lenders may require offshore assets or investments.
  • Legal and tax implications should be reviewed with a financial adviser.

How to Secure the Best Mortgage as a High Net-Worth Individual

1. Work with a Specialist Mortgage Broker

Mainstream lenders often struggle to accommodate high-net-worth borrowers, making a specialist mortgage broker essential. A broker can:

  • Access exclusive deals from private banks and specialist lenders.
  • Help structure borrowing to align with your financial strategy.
  • Negotiate bespoke terms on your behalf.

2. Be Prepared to Demonstrate Wealth and Income

While standard borrowers provide payslips and tax returns, HNWIs may need additional documentation, such as:

  • Asset statements (investment portfolios, property holdings, etc.).
  • Business financials (if self-employed or a company director).
  • Letters from accountants or financial advisers confirming income structure.

3. Consider Interest-Only Options

Many high-net-worth individuals opt for interest-only mortgages, particularly when cash flow is tied to investments. These loans reduce monthly payments while preserving capital for other investments.

4. Evaluate the Benefits of Private Banking

If you already have a private banking relationship, your bank may offer preferential mortgage rates and tailored lending solutions. Some private banks offer exclusive mortgage terms in return for assets under management.

Bespoke Mortgage Advice for High-Net-Worth Clients

Navigating the mortgage market as a high net-worth individual requires a tailored approach. At Fox Davidson, we specialise in securing bespoke mortgage solutions for professionals, business owners, and investors. Our team has access to exclusive lenders and private banking options, ensuring you secure the best possible mortgage for your financial goals.

Contact Fox Davidson Today

If you’re a high net-worth individual looking for a mortgage tailored to your unique needs, get in touch with Fox Davidson. We’ll provide expert advice and access to the best lending solutions available.