Generally, lenders consider you a High Net Worth individual if you have an annual income exceeding £300,000 or net assets of £3 million or more. This status can offer greater mortgage flexibility, including bespoke underwriting and access to private bank lending. We’ll assess your eligibility and introduce you to lenders who specialise in serving high net worth clients.

Yes. High net worth borrowers often benefit from tailored mortgage arrangements, including interest-only options, flexible repayment terms, and high-value lending. We work closely with private banks and specialist lenders to structure solutions that align with your wealth, assets, and long-term financial goals.

Not always. Lenders offering bespoke mortgages may take a more holistic view of your financial situation, considering asset portfolios, international income, or complex business structures. We can help present your finances in the right way to secure favourable terms without rigid documentation requirements.

Yes. Many lenders will consider asset-backed borrowing, including securities-backed lending or equity release from existing property. We’ll work with you and your financial advisers to structure lending solutions that use your wealth efficiently and tax-effectively.

Absolutely. We regularly work alongside our clients' accountants, solicitors, and wealth managers to ensure a cohesive approach. Whether it’s tax structuring, trust arrangements, or international considerations, we’ll ensure everyone is aligned and your mortgage strategy supports your broader financial planning.