Best Mortgage Options for High Net Worth Individuals
DIRECTOR AND MORTGAGE ADVISER
Specialist broker for high-earning professionals and complex income cases.
For high net worth individuals (HNWIs), the challenge isn’t affordability—it’s fit.
Traditional mortgage products often fall short when it comes to structuring around complex income, multiple assets, or bespoke repayment strategies. Whether you’re a senior professional, entrepreneur, investor, or returning expat, the right mortgage isn’t just about rate—it’s about flexibility, discretion, and strategic alignment with your wealth.
Here’s what high net worth clients need to know about their best mortgage options.
Request your fee free mortgage consultation today. No obligation, just sound advice.
Understanding High Net Worth Mortgage Needs
HNWIs often have financial profiles that don’t fit neatly into standard lender boxes. Common scenarios include:
Non-salaried income from dividends, investments, trusts, or carried interest
Significant assets but irregular or lower reported income
Cross-border income or tax residency
Large deposits or low loan-to-value requirements
Desire for discretion, speed, and bespoke structuring
These cases typically require a more nuanced lending approach than high street lenders can offer.
Bespoke Lending Through Private Banks
Private banks are often the first port of call for high net worth borrowers. They provide:
Tailored underwriting, taking a holistic view of assets, income, and long-term wealth
Higher loan amounts, often starting at £1m+
Flexible repayment structures, including interest-only and bullet repayment
Willingness to accept non-standard income, including RSUs, foreign dividends, or retained profits
Discreet, relationship-led service
In return, many private banks require assets under management (AUM) or a wider wealth relationship.
How We’ve Helped Clients Like You
These clients faced similar challenges - here’s how we helped them secure the right deal.
Interest-Only Mortgages for Wealth Planning
Interest-only mortgages are especially popular among high net worth clients looking to:
Preserve liquidity for investment opportunities
Align mortgage payments with bonus cycles or liquidity events
Reduce monthly outgoings while assets appreciate elsewhere
Maximise tax efficiency
Repayment can be made through sale of investments, business proceeds, inheritance, or other planned capital events—subject to a credible strategy.
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Asset-Backed and Offset Mortgages
Many HNWIs prefer mortgage solutions that leverage their wealth smartly:
Asset-backed lending allows you to borrow against investment portfolios, shareholdings, or trust income
Offset mortgages reduce interest charges by linking savings or investment accounts to the mortgage balance—ideal for those with large cash reserves or fluctuating income
These options give more control over how your capital is deployed without locking it into property.
Tailored Structuring for International and Complex Profiles
If your income is foreign currency, you live abroad, or you’re recently returned to the UK, specialist and private lenders can:
Use foreign income in affordability calculations
Accept non-UK tax returns or bank statements
Offer cross-border lending for UK property
Work with trustees, family offices, or international accountants
Mainstream lenders rarely offer this level of flexibility, making a specialist approach essential.
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Conclusion: Leverage Your Wealth with the Right Lending Partner
For high net worth borrowers, the mortgage isn’t just a loan—it’s a tool for wealth optimisation. The right lender will take time to understand your full picture and offer solutions built around your goals.
Looking for a mortgage solution that matches your financial complexity?
We specialise in structuring bespoke lending strategies for high net worth individuals—balancing flexibility, discretion, and long-term planning.
Request your fee free mortgage consultation today. No obligation, just sound advice.
FAQs
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Yes—if you have significant assets or strong AUM potential, lenders may base affordability on your net worth or investment income.
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Sometime, yes. Private banks may require a minimum AUM—though this varies by institution.
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Not if they’re backed by a credible repayment strategy. For HNWIs, these are often a planning tool rather than a risk.
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Yes—with the right lender, expats and international clients can borrow against UK property—even without UK taxable income.
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YOUR HOME MAY BE REPOSESSED IF YOU DON’T KEEP UP REPAYMENTS ON YOUR MORTGAGE
Kite Mortgages is a trading style of Kite Financial Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
APPROVED BY THE OPENWORK PARTNERSHIP ON 22/09/2025.