A private bank mortgage is a bespoke home loan provided by private banks, tailored specifically for high-net-worth (HNW) and ultra-high-net-worth (UHNW) individuals. These mortgages are designed to meet the unique needs of affluent clients, offering loan amounts ranging from £1 million to tens of millions of pounds. They often come with high loan-to-value (LTV) ratios, sometimes reaching up to 100% LTV, and provide highly personalised solutions.

Key features and benefits include:

• Loan amounts from £1 million to tens of millions of pounds

• High LTV options, with some mortgages offering up to 100% LTV

• Availability for foreign nationals, expatriates, and non-UK residents

• Flexibility for complex income and wealth structures

• HNW-specific exemptions, including pre-funded, rolled-up, and occasional-use options

• Interest-only mortgage solutions

• Support for intricate ownership arrangements, such as offshore/onshore trusts, limited companies, foundations, and funds

• Access to a wide network of private banks lending against UK property

• Independent, discreet, and highly responsive service

• These mortgages are ideal for individuals with sophisticated financial needs, offering tailored solutions and exceptional service.