Mortgages for high net worth individuals
Mortgage Service for High Net Worth Individuals
Our mortgage service offers for high net worth individuals:
- Whole of market service - we work with high street UK large loan lenders and private banks
- Access to leading market mortgage rates & bespoke rates for large loans
- Access to exclusive mortgage deals not available on high street
- Fast turnaround - speak to us today if you need to move quickly
- Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of innovative finance solutions
To investigate your mortgage options if you are a high net worth individual call our specialist mortgage team on 0117 403 4474 or fill in our callback request form.
"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support.
As your mortgage is such an important transaction, good advice is imperative.
Getting the top mortgages for high net worth individuals
Compare latest mortgages offers for high net worth individuals - use our mortgage tables below to check out a range of market leading mortgage deals for high net worth individuals - as an alternative if you would like recommendations - phone our expert mortgage team on 0117 403 4474.
Choosing the correct mortgage deal if you are a high net worth individual
There are many specialised mortgage dealers, typically private banks, who provide a variety of specially tailored high net worth mortgages to a broad range of high-earning customers like celebrities business owners, developers, and property investors.
If you wish to borrow over £1 million to fund the purchase of a home or development property, then our team of independent and whole of market mortgage advisors will assist you to search out mortgages high net worth individuals earners including:
- Buy to let mortgages for high net worth individuals
- Property portfolio mortgages for high net worth individuals
- Holiday house or second home mortgages for high net worth individuals
- Residential mortgages for high net worth individuals
- Business mortgages for high net worth individuals
As well as specialist private banks, there are many additional high street mortgage lenders that may provide mortgage deals for high net worth individuals in some circumstances. However, these deals tend to be restricted to high net worth borrowers who have a comparatively simple monetary state of affairs – for instance, a highly paid, regular salaried job.
If you've got a spread of complicated income streams then it may be sensible to think about approaching specialised mortgage providers for high net worth individuals so as to fulfil your requirements.
Things to think about while searching for mortgages high net worth individuals
To make certain that you have the very best possible likelihood of securing the high net worth mortgage deal that you need, you must bear in mind that potential mortgage lenders generally take into consideration a selection of different criteria before deciding whether or not to lend to you. A number of the points taken into consideration could include:
The type of property - Some mortgage lenders won't provide residential mortgages for high net worth individuals on homes with over a certain number of bedrooms. Another obstacle is also created by listed buildings, houses that require extensive renovation, or homes that are made up of unconventional materials like timber or thatch.
Your financial circumstances - If you're in a financial position to be seeking out a mortgage for high net worth individuals, you may well not have a conventional salaried job or a standard pay as you earn income stream. Instead, it’s possible that you well have a spread of income sources from both the United Kingdom and overseas. Furthermore you may also have bonus payments, financial gain from investments, and additional financial factors which will be relevant to lenders when it involves assessing your mortgage affordability.
Proving your net worth – it's likely that you will be required to have all the mandatory income-related documentation in place show to mortgage lenders, together with statements of accounts for the past few years if you are freelance, self employed, a contractor, or a company director. You will also need to show proof of any bonuses, investments, or overseas assets which are to be considered as part of your overall affordability criteria.
Our independent whole of market mortgage team will assist you to find the most suitable mortgages high net worth individuals earners for you – call us today on 0117 403 4474 or request a callback.