Why Choose a Specialist High Net Worth Mortgage Broker in the UK?
As a premier high net worth mortgage broker in the UK, Fox Davidson specialises in arranging bespoke financing for luxury properties, complex incomes, and substantial wealth. Whether you’re a hedge fund manager eyeing a Mayfair penthouse, an expat investing in London, or an entrepreneur with offshore assets, our FCA-regulated team secures loans from £1m to £30m+ through 180+ lenders, including 30+ exclusive private banks. Our commission-only fee structure ensures risk-free, discreet service since 2013.
Contact us today email or call for a confidential consultation with our expert brokers, serving clients across London, the South West, and globally via phone, email, or video call.
What Are High Net Worth Mortgages?
A high net worth mortgage is a loan from £1 million+ for wealthy clients with £300,000 annual income or £3 million in net assets, tailored for prime UK properties like luxury homes in Knightsbridge or Surrey estates. Unlike standard mortgages tied to salary multiples, these rely on bespoke underwriting, assessing total wealth, diverse incomes, and complex assets. The UK’s Financial Conduct Authority (FCA) defines high net worth (HNW) status as:
- Annual net income: £300,000+ (individual, not combined).
- Net assets: £3,000,000+ (excluding primary residence/mortgage).
This exemption allows flexible lending criteria, ideal for sophisticated borrowers. As an FCA-regulated high net worth mortgage broker UK, Fox Davidson navigates these complexities, securing terms from private banks and specialist lenders for clients like entrepreneurs, law firm partners, and international investors.
Who Qualifies for High Net Worth Mortgages?
Qualifying for a UK high net worth mortgage requires meeting FCA thresholds: £300,000 income or £3m assets. Lenders assess:
- Investment portfolios: Stocks, bonds, mutual funds.
- Cash/savings: Liquid holdings.
- Offshore assets: Foreign investments, trusts.
- Business equity: Company shares, carried interest.
- Rental properties: Non-primary real estate.
- Alternative assets: Art, collectibles (with valuation).
Non-UK residents, expats, and foreign nationals qualify with proper documentation, even without UK credit history. Examples include a private equity partner with modest salary but high carried interest or a developer with fluctuating profits but valuable sites. As your high net worth mortgage broker UK, we streamline qualification, matching you to lenders who understand your profile.
Why Standard Mortgages Don’t Work for High Net Worth Individuals
Standard UK mortgages are rigid, designed for simple finances, but HNW clients face unique challenges:
- Complex Incomes: E.g., £150k salary + £800k in bonuses/shares from foreign sources.
- Asset Structures: Offshore trusts or global portfolios that high street banks can’t assess.
- Loan Size: Mainstream caps at £1-2m; HNW needs often hit £10m+.
- Inflexibility: No bespoke terms for expats or unusual properties.
Fox Davidson’s network of 30+ private banks as well as many specialist large loan lenders delivers tailored solutions where high street banks fail.
Why Choose a Specialist High Net Worth Mortgage Broker Like Fox Davidson?
Partnering with the UK’s best high net worth mortgage broker ensures success in complex lending. Fox Davidson offers:
- Exclusive Lender Access: 180+ lenders, including 30+ private banks (e.g. Coutts, UBS)
- Bespoke Underwriting: Tailored for complex incomes, trusts, and offshore assets.
- Discreet, Efficient Service: FCA-regulated since 2013, with a small, expert team.
- Lender paid commission-only structures for aligned outcomes
Testimonials:
⭐️⭐️⭐️⭐️⭐️ “Fox Davidson were excellent. They went above and beyond to help us navigate a multi mortgage project with a range of complexities.”
⭐️⭐️⭐️⭐️⭐️ “Excellent service. Fox Davidson were able to assist with a complex LLP self employment large loan, they listened to the problem, and understood the issue from the start, then worked with private bank lenders to find a solution. Fantastic communication and very professional clear advice.”
High Net Worth Mortgage Products Available in the UK
We offer a range of HNW mortgage products, customised to your needs:
- Residential HNW Mortgages: Up to 95% LTV for luxury homes (e.g., Mayfair, Hampstead).
- Buy-to-Let for HNWs: Portfolio financing with complex structures.
- Expat/Non-Resident: Offshore loans for UK properties.
- Interest-Only & Flexible: Custom repayment terms to preserve liquid
HNW Mortgage Features Comparison:
| Lender Type | Typical Loan Range | Key Features | Best For | Considerations | Example Lenders |
|---|---|---|---|---|---|
| Private Banks | £3m-£30m+ | Bespoke underwriting trusts offshore assets multi-currency options | Ultra-HNW with complex wealth global portfolios | May require relationship management | Coutts UBS |
| Specialist Lenders | £1m-£15m | Flexible criteria for non-standard incomes fast approvals unique properties | Expats entrepreneurs with irregular earnings | Suited for complex cases | Boutique firms |
| High Street Banks | £1m-£3m | Streamlined for simpler profiles standard properties | Professionals with straightforward income | Limited flexibility for complex assets | HSBC Barclays |
The Application Process for UK High Net Worth Mortgages
Our streamlined process averages 4-12 weeks:
- Initial Consultation: Assess needs, income, and assets with our expert brokers.
- Documentation: Gather tax returns, portfolio statements, asset schedules.
- Lender Matching: Select from 180+ lenders based on your unique profile.
- Underwriting: Bespoke assessment of wealth and property.
- Completion: Coordinate funds with legal teams.
For urgent deals, we facilitate large bridging loans for time-sensitive transactions. Enquire now.
2025 UK High Net Worth Mortgage Trends
Interest-Only Structures: Growing demand for flexible repayments, e.g., for a £2m Kensington loan, to preserve liquidity.
Green Mortgages: Tailored for eco-friendly luxury homes in areas like Surrey, appealing to environmentally conscious HNW buyers.
Expat Surge: Increased non-dom demand for London properties, with offshore-compatible loans.
Asset-Backed Lending: Loans against portfolios or collectibles, up to 85% LTV, e.g., £4m Bristol deal.Higher LTI Ratios: Relaxed affordability for borrowing beyond standard income multiples via private banks.
Read our 2025 HNW Mortgage Trends Report
Case Studies: Successful HNW Mortgages
- £5m Knightsbridge Penthouse: London entrepreneur; used bonus income and investments; 4-week completion via private bank.
- £3m Buy-to-Let Portfolio: Expat landlord; non-UK resident; offshore loan structured in 6 weeks.
- £2.5m Somerset Estate: Law firm partner; interest-only using partnership equity; 80% LTV.
- £10m Mayfair Mansion: Hedge fund manager; asset-backed loan against portfolio; 5% deposit via private bank.
- £4m Surrey Eco-Home: Green mortgage for sustainable property; tailored terms for eco-conscious buyer.
Frequently Asked Questions (FAQs)
A loan from £1m+ for clients with £300k income or £3m assets, tailored for luxury properties.
Fox Davidson, with 180+ lenders, commission-only fees, and FCA-regulated expertise since 2005.
4-12 weeks, depending on complexity; bridging loans for faster needs
Yes, with wealth verification, subject to country of residence.
Tax returns, portfolio statements, assets/liabilities schedules—our brokers guide you.
Not always; some offer dry lending..
Up to £30m+, based on wealth, not just income multiples.
Contact Fox Davidson for your bespoke HNW mortgage solution.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
