Securing a large mortgage isn’t just about borrowing more, it’s about navigating a different world of lending altogether. Clients with substantial wealth often require more flexibility, specialist terms, and a lender who truly understands the nuances of their income structure. At London mortgage broker Fox Davidson, we specialise in arranging specialist solutions that meet the needs of high-earning individuals, entrepreneurs, and property investors.
Specialist Lending for Complex Financial Situations
Traditional mortgage applications rely on straightforward salary slips and predictable income. But for many high net worth individuals, income comes from a blend of dividends, bonuses, international assets, or trusts. These cases often fall outside standard lending criteria, which is why private banks and specialist lenders are more appropriate.
Because we work directly with these institutions, we’re able to structure lending in a way that reflects your financial reality, whether that means interest-only options, asset-backed lending, or larger loans with favourable rates.
Access to Specialist Lenders and Private Banks
Many of the best high net worth mortgage deals never make it to the open market. We have relationships with private banks and specialist lenders that offer specialist terms not available through high street banks. These lenders take a more holistic view of your financial position, allowing us to negotiate terms that wouldn’t be possible through a traditional route.
Interest-Only and Asset-Rich Lending
A key difference in high net worth mortgages is the option for interest-only repayment structures. This can be particularly useful when your assets outweigh your income, or if you prefer to keep capital invested elsewhere. Lenders will often consider your wider wealth profile, including shares, pensions, and property portfolios, when assessing affordability.
Why Work with a Specialist Broker?
Arranging a high value mortgage is as much about who you know as what you know. As a trusted mortgage broker for high net worth clients, we act as a gateway to the kind of lending that simply isn’t accessible on the open market. We manage everything from initial strategy through to completion, liaising directly with underwriters, legal teams, and valuation professionals.
Let’s Talk About Your Mortgage Goals
Fox Davidson are a high net worth mortgage broker. We work with International clients and UK resident clients to secure funding on property in the UK. We work by phone, email and video. We also have offices in Bristol & London.
Frequently Asked Questions
What is a high net worth mortgage?
A high net worth (HNW) mortgage is a residential mortgage assessed under the FCA’s high net worth rules rather than the standard affordability test. It is available to borrowers with net assets over £3 million or annual net income over £300,000. Lenders read the net assets test literally and include the equity in your main home, and on a joint application only one of you needs to meet it.
How does HNW mortgage assessment differ from a standard mortgage?
HNW assessment is whole-of-wealth based rather than income-multiple based. Lenders consider total assets, liabilities, liquidity, income, and lifestyle costs, then negotiate loan size based on overall financial picture. Standard mortgages cap at fixed multiples of income; HNW mortgages do not.
Who qualifies for a high net worth mortgage in the UK?
You qualify if you have either net assets over £3 million, with the equity in your main residence counting towards it,, or annual income over £300,000. The qualification is set by the FCA in the FCA high net worth rules. Most HNW lenders are private banks or specialist lenders with dedicated HNW desks.
What loan sizes are available with HNW mortgages?
HNW mortgages typically start at £1 million minimum loan size and have no upper cap. Loans of £5 million to £20 million are routine for qualifying clients. Loans above £20 million typically involve syndicated lending or relationship-driven arrangements with private banks.
What rates can HNW borrowers expect?
HNW mortgage rates in April 2026 typically run from 3.85 to 5.0 percent depending on loan size, LTV, and the wealth-management relationship. Private banks offering wealth-management aggregated pricing often beat mainstream rates for £2m+ loans.
Do HNW mortgages have higher arrangement fees?
HNW mortgage arrangement fees vary widely. Mainstream HNW lenders typically charge 0.5 to 1 percent of the loan. Private banks may charge a flat fee of £5,000 to £25,000 plus an annual relationship fee, or roll all costs into the rate. Total cost should be compared on like-for-like basis.
Can HNW mortgages cover trust or company-owned property?
Yes. HNW lenders routinely lend to trusts, family investment companies, SPVs, and offshore structures used to hold UK residential property. Each lender has specific rules on acceptable structures. Specialist private banks have the broadest acceptance, including non-UK trusts and corporates.
How long does an HNW mortgage take to arrange?
HNW mortgage timelines typically range from three to twelve weeks. Standard the FCA high net worth rules cases with mainstream HNW lenders complete in three to five weeks. Complex private bank cases involving committee approval, asset transfer, and specialist structuring can take eight to twelve weeks.