Mortgages for High Net Worth Individuals
Best Mortgage Rates
Mortgages for High Net Worth Individuals
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- Lloyds Bank
- 4.07% Initial
- 5 year fixed
- 6.6% APRC
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Cashback Max £250Free LegalsFree Valuation
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- 4.10% Initial
- 5 year fixed
- 6% APRC
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Cashback £0Free LegalsFree Valuation
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- 4.14% Initial
- 5 year fixed
- 6.3% APRC
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Cashback £0Free LegalsFree Valuation
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- 4.17% Initial
- 5 year fixed
- 6.4% APRC
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Cashback £0Free LegalsFree Valuation
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- 4.17% Initial
- 2 year fixed
- 6.7% APRC
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Cashback £0Free LegalsFree Valuation
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- Halifax
- 4.18% Initial
- 5 year fixed
- 6.7% APRC
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Cashback Max £250Free LegalsFree Valuation
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- Halifax
- 4.18% Initial
- 5 year fixed
- 6.7% APRC
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Cashback Max £250Free LegalsFree Valuation
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- 4.19% Initial
- 5 year fixed
- 6% APRC
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Cashback Max £1,250Free LegalsFree Valuation
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- 4.19% Initial
- 2 year fixed
- 8% APRC
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Cashback £0Free LegalsFree Valuation
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- 4.20% Initial
- 5 year fixed
- 6% APRC
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Cashback £0Free LegalsFree Valuation
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Mortgages for high net worth individuals
High-net-worth individuals should choose the right mortgage deal
A variety of specially tailored high-net-worth mortgages are available, from specialized mortgage dealers, usually private banks, to a wide range of high-earning customers like celebrities, business owners, and developers.
Our team of independent whole of market mortgage advisors will assist you in finding mortgages for high-net-worth individuals earning over £1 million, including:
- High net worth individuals can obtain buy-to-let mortgages.
- Portfolio mortgages for high net worth individuals.
- Mortgages for second homes or holiday homes for high net worth individuals
- For those with high net worth, we offer residential mortgages.
- High-net-worth individuals can obtain business mortgages.
Many high street lenders may provide mortgage deals for high net worth individuals in addition to specialist private banks. These deals, however, tend to be reserved for high-net-worth borrowers who have a relatively simple monetary situation, such as a regular salary.
If you have a variety of complex income streams, a specialized mortgage provider for high-net-worth individuals may be able to meet your needs.
High net worth individuals should consider these factors when searching for mortgages
Taking into consideration that potential mortgage lenders generally consider several different criteria before deciding whether or not to lend to you, you need to ensure that you have the best possible chance of securing the high net worth mortgage deal that you need. Considerations could include:
- Some mortgage lenders will not lend to high net worth individuals on homes with more than a certain number of bedrooms. Houses that require extensive renovation, listed buildings, or homes made of unconventional materials such as timber or thatch also pose obstacles.
- You may not have a salaried job or a standard income stream if you're in a financial position to seek a mortgage for high net worth individuals. It's possible that you have both United Kingdom and overseas income sources. Lenders may also consider bonus payments, investment gains, and other financial factors when assessing your mortgage affordability.
- As part of your net worth verification, you will likely need to provide all the mandatory income-related documentation to the lender, in addition to statements of accounts for the past few years if you are a freelancer, self-employed individual, contractor, or director of a company. As part of your overall affordability criteria, you must also show proof of any bonuses, investments, or overseas assets.
To investigate your HNW finance options, call our broker team or fill in our call back form - speak to our independent mortgage broker team who will be able to offer impartial advice or you can call us on 0117 403 3464