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01844 390910

info@bmimoney.co.uk

UNLOCKING POSSIBILITIES:
A GUIDE TO HIGH NET WORTH MORTGAGES

Welcome to the world of high net worth mortgages, a realm where financial possibilities expand beyond traditional lending boundaries. If you’re an individual with a high income, significant assets and a unique financial profile, our specialist mortgage brokers can help. We have access to main stream high street lender underwriters along with Specialist High Net Worth Lenders.

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90 lenders for residential and BTL including specialist High Net Worth Lenders
Fully trained admin team processing cases Advisers with 20 years plus experience

About Us

Bright Money Independent are a specialist mortgage broker, we offer tailored mortgage advice for clients who require a greater level of understanding for their specific situation.
We’ve been doing this for years, we have a close relationship with decision makers at private banks and specialist lenders.
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What are High Net Worth Mortgages?

High net worth mortgages cater to individuals with minimum income, substantial wealth and/or complex financial circumstances. These mortgages go beyond the limitations of standard residential lender criteria, offering:
  • Larger loan amounts:
    Borrow millions to acquire luxury properties, build expansive investment portfolios, or pursue other high-value endeavours.
  • Flexible terms:
    Tailor your loan to your specific needs, with extended repayment periods, interest-only options, and bespoke structuring possibilities.
  • Complex income recognition:
    Lenders consider your diverse income streams, including dividends, capital gains, and income from trusts or businesses, underwriters taking into consideration what normal lending criteria will not cover.
  • Discretion and privacy:
    Private banks and specialist lenders cater to high-net-worth clients, they offer a personalised service throughout the process.
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Who Qualifies for a
High-Net-Worth Mortgage?

There’s no one-size-fits-all answer, as lenders consider various factors, including:
  • Each lender has a preferred client, usually minimum assets, income or minimum loan amount.
  • Income:
    Consistent and verifiable income streams, including non-traditional sources, are crucial.
  • Credit history:
    A strong credit history demonstrates your ability to manage debt responsibly. Asset base: The diversity and liquidity of your assets play a vital role in securing favourable terms.
  • Asset base:
    The diversity and liquidity of your assets play a vital role in securing favourable terms.
There’s no one-size-fits-all answer, as lenders consider various factors, including:
With the complexities involved, having an expert Mortgage broker is crucial. Here’s how to navigate the high net worth mortgage landscape:
  • Consult a specialist mortgage broker:
    They have the expertise and relationships with private banks and lenders to find the best solution for your needs.
  • Your broker will complete a fact find, get a specific breakdown of assets and liability along with future projections.
  • Be transparent and upfront:
    your broker will present your case in the best light possible, help them out.
  • Once your broker understands your situation, they can present the products available and negotiate the best deal.
    Investing in Your Future with High Net Worth Mortgages Broker
  • Once your broker understands your situation, they can present the products available and negotiate the best deal.
    Investing in Your Future with High Net Worth Mortgages Broker
Consulting with a high net worth mortgage broker today will help you understand what’s possible, the costs involved including interest rates, set up fees and minimum deposit and loan size.
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High Net Worth Mortgage Questions Answered:

Pre-Qualifying and Eligibility – due to the nature of high net worth mortgages, lenders tend to take a more flexible approach when assessing an application, if you aren’t sure whether you meet the criteria listed, get in touch, one of our specialist mortgage brokers will be able to advise whether your circumstances meet lenders criteria:

Minimum Net Worth:

Each lender has their own assessment of assets needed for a high-net-worth mortgage, but it’s typically in the millions This includes your assets like property, investments, and cash equivalents, minus any liabilities like outstanding loans.

Complex Income Streams:

High Net worth lenders are trained to consider your total income picture, including traditional salary, dividends, capital gains, income from trusts or company net profit before tax, and other sources such as portfolio income. They’ll assess your earning history and stability to determine your future borrowing capacity.

Acceptable Collateral:

Typical High Street lenders will only look at UK residential properties. Specialists High net worth lenders can consider a much wider range of assets to secure their loan on.

Existing Debt:

Existing debt will be considered when assessing your affordability, it doesn’t necessarily disqualify you. Lenders assess your overall debt-to-income ratio and consider your ability to service these loans.

Credit Score:

A strong credit history is always a plus, but its only part of the picture. High net worth underwriters look at the whole scenario, past present and future of the potential client.

Loan Options and Terms:

Existing debt will be considered when assessing your affordability, it doesn’t necessarily disqualify you. Lenders assess your overall debt-to-income ratio and consider your ability to service these loans.
  • Maximum Loan Amount:
    Whilst there isn’t typically a maximum, due to the complex nature of the deal, the hands-on experience from specialist high net worth underwriters, you will usually need a minimum loan of £500,000 with high street lenders, £1,000,000 with specialist High net worth lenders.
  • Interest Rates and Fees:
    Interest rates for high-net-worth mortgages vary from lender to lender and can change on a daily basis, the High Street lenders can often give a lower rate but offer less flexibility on underwriting. However, fees can vary depending on the loan amount, complexity, and lender. This will typically be linked to the risk appetite of the lender
  • Repayment Options:
    Flexible repayment options are common, including capital and interest, interest-only, extended terms, and adjustable rates. You can tailor the repayment plan to your specific needs and cash flow. Some lenders will do part capital and interest and part interest only. You can also tailor the products to have 50% on a fixed and 50% on a variable rate. A lot of the variable rates will not have early redemption charges where as a fixed, may limit you to 10% overpayment per year
  • Borrowing Against Multiple Assets:
    Yes, you can leverage multiple properties or assets as collateral for a single high net worth mortgage. This can potentially increase your borrowing capacity. However, this would involve much more underwriting, more valuations and conveyancing work, be prepared!
  • Prepayment Penalties:
    Many fixed rate options will have limited overpayment facilities. IF you go over these you are likely to have an early redemption charge
    Direct to the lender or via a broker?
    Our mortgage brokers have access to over 90 lenders. They deal with mortgages day in day out and understand all different types of scenarios, they have direct access to underwriters and speak to several lenders within the hour. They’ll advise what is beneficial and what could be seen as a high risk and help you understand these.
    Broker fees vary, typically our brokers will not charge, they are paid by the lender and will rely on your recommending them to family and friends.

Where next? Talk to one of our advisers ...

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FAQs

for
High
Net
Worth
Mortgages

A high net worth mortgage is designed for borrowers with significant assets, complex income, or high borrowing requirements that fall outside standard lender criteria. These mortgages are often assessed using bespoke underwriting rather than automated affordability models.

 

Lenders may consider you high net worth if you have substantial assets, a high annual income, or complex wealth structures. Definitions vary, but this often includes business owners, investors, senior professionals, or individuals with significant investable assets.

 

High net worth mortgages typically involve manual underwriting, more flexible income assessment, and higher loan sizes. Lenders may consider retained profits, dividends, bonuses, or asset-backed affordability rather than relying solely on payslips.

 

Accepted income can include salary, dividends, retained business profits, bonuses, investment income, trust income, or overseas earnings. Each lender assesses income differently, often on a case-by-case basis.

 

No. While private banks are a common option, some specialist and mainstream lenders also offer bespoke mortgage solutions for high net worth clients, particularly for larger loan sizes or complex cases.

 

Some lenders operate minimum loan sizes, often starting from £1 million or more. However, high net worth underwriting may also apply to lower loan amounts where income or asset structures are complex.

 

In some cases, yes. Lenders may allow higher borrowing multiples where assets, investment income, or overall financial strength supports the loan. This is assessed individually rather than through standard affordability caps.

 

Deposit requirements vary. Some lenders may require higher deposits for certain property types, while others focus more on asset backing and liquidity rather than loan-to-value alone.

 

Not necessarily. Rates can be competitive and, in some cases, lower than standard products. Pricing depends on factors such as loan size, risk profile, property type, and the overall relationship with the lender.

 

Yes. High net worth mortgages are often suitable for unusual or high-value properties, including listed buildings, mixed-use properties, or properties with multiple income streams.

 

Yes. High net worth mortgages are commonly used for remortgaging, particularly where borrowers want to release equity, restructure borrowing, or move away from restrictive mainstream lending criteria.

 

Yes. Underwriting is typically more detailed and manual, often involving a full review of assets, liabilities, income sources, and long-term financial planning rather than automated credit scoring alone.