High Net Worth Mortgages London

There is no fixed maximum for high net worth borrowers. Private banks and specialist lenders make bespoke decisions based on your overall financial position, income, and assets. Mortgages of £5M, £10M, and above are available to the right borrowers through the right channels. The key factors are income relative to the loan, total net worth, and asset quality. We advise on realistic expectations based on your specific position.

Lenders vary considerably in their treatment of bonuses. Some will include 100% of the most recent year's bonus, others average over two or three years, and some cap bonus income at a multiple of basic salary. Discretionary bonuses are treated more conservatively than contractual ones. For high earners where bonus is a large proportion of total remuneration, choosing the right lender makes an enormous difference. We find the lender whose bonus treatment best suits your income profile.

Some lenders will consider unvested share awards, RSUs, or options as part of your overall wealth picture, even if not as immediate income. Vested awards that you choose not to sell can be considered as assets. The treatment varies significantly between lenders and the type of equity matters. We advise on how to present equity compensation most effectively and which lenders take the most sophisticated view of share-based income.

Yes, with the right lenders. Some specialist private banks and lenders are experienced with foreign currency income, particularly for common currencies such as USD, EUR, CHF, and AED. Currency risk is assessed by the lender but strong income with a large deposit often outweighs this concern. Offshore trust structures and foreign asset declarations add complexity but are manageable. We know which lenders have genuine international expertise.

It depends on your situation. Private banks offer bespoke underwriting and relationship banking, which can be very valuable for complex income structures. However, private banking rates are not always the most competitive and some require significant assets under management with them. For some clients, a specialist non-bank lender or building society offers a better rate with only slightly less flexibility. We advise honestly on the best approach for your situation.

Start with us, before making an offer. At this price point, understanding exactly what you can borrow, at what rate, and from which lender is critical before committing to a purchase. We conduct a detailed review of your income and assets, identify the best lenders and terms available to you, and give you a clear picture of borrowing capacity before you commit. We can also move quickly once you have found the right property.