High-Value Mortgages

For premium property purchases, standard lenders often fall short. We have direct relationships with private banks and specialist lenders who offer bespoke underwriting, competitive rates, and the flexibility that high-value borrowers need.

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Private bank lending

Private banks offer a fundamentally different approach to mortgage lending. Rather than rigid affordability calculators, they take a holistic view of your wealth, assets, and income — often resulting in more favourable terms than high-street lenders can provide.

Assets under management

Some private banks require you to hold a minimum level of assets — typically around £1 million — under their management. In return, you gain access to their most competitive mortgage rates and bespoke service.

Competitive rates

High-value borrowers can typically access rates between 1.5% and 2.5%, depending on the loan-to-value ratio, asset backing, and relationship with the bank.

Dry lending

Not all private banks require you to move your investments. Dry lending means the mortgage stands alone — no asset transfers needed. We know which banks offer this and can match you accordingly.

Special rate deals

Private banks are often willing to negotiate bespoke terms for the right client. We leverage our relationships to secure rates and structures that aren't available through standard channels.

Flexibility for complex situations

High-value borrowers often have complex income structures — self-employment, multiple income streams, overseas earnings, or wealth held in trusts and companies. Private banks and specialist lenders are equipped to handle this complexity.

Bespoke underwriting that considers your full financial picture
Overpayments typically permitted up to 10% per annum — some lenders allow unlimited
Flexible income assessment for self-employed, directors, and overseas earners
Non-standard property types accepted (listed buildings, large acreage, unusual construction)
Interest-only and part-and-part repayment structures available

Frequently asked questions

What counts as a high-value mortgage?

There's no fixed threshold, but most specialist and private bank lenders consider mortgages above £500,000 as high-value. Many of the most competitive private bank deals become available at £1 million and above.

What is dry lending?

Dry lending means the lender provides the mortgage without requiring you to move your savings, investments, or current account to them. Some private banks offer this, while others require you to hold assets under management (AUM) with them as a condition of lending.

Can I overpay my mortgage?

Most high-value mortgages allow overpayments of up to 10% of the outstanding balance per year without penalty. Some private bank deals offer even more flexibility, including unlimited overpayments. We'll ensure overpayment terms suit your plans.

Do private banks offer better rates?

Private banks typically offer rates between 1.5% and 2.5% for high-value borrowers, often with more flexibility on income assessment and property types. However, some require you to hold assets with them, so we'll compare the total cost of each option.

Need a premium mortgage solution?

We'll connect you with the right private bank or specialist lender for your circumstances.

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Or call us: 0115 967 0888