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    What Are High-Net-Worth Mortgages?

    A high-net-worth mortgage is a home mortgage for somebody who earns an annual net income of £300,000+ or net assets of £3 million+, according to the Financial Conduct Authority (FCA). In the UK, these earners are considered high-net-worth individuals.

    Given their complex assets and incomes, affluent borrowers qualify for the most favourable rates and loan packages from lenders seeking their business.

    Here at Agentis, we are a qualified mortgage broker, so we may require additional documentation and verification of assets to assess the borrower’s creditworthiness. This can include detailed financial statements, tax returns, and proof of substantial assets or investments.

    This type of mortgage also allows non-UK residents to get financing for buying property in the UK. Non-UK residents must show proof of income, assets, and a good credit history.

    Expat mortgages are available for people living abroad and are designed for complex financial portfolios that cover expenses for buying luxury properties, refinancing, and other financial needs.

    Whole of Market Access

    Below are some of the lenders we deal with, however we have access to the whole of the market, including exclusive deals that you won’t be able to find yourself.

    Why do you need a High-Net-Worth Mortgage Specialist?

    A high-net-worth mortgage specialist has the knowledge and experience to meet the unique lending needs of wealthy borrowers. They have relationships with exclusive lenders and can source loans for large financing amounts.

    We understand how to structure loans for borrowers with complex incomes. A specialist will save you time by managing the loan process, advising on optimal programs and terms, and negotiating favourable interest rates.

    Partnering with one of our specialists ensures your financing needs are met smoothly and efficiently.

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    Why do you Need a High-Net-Worth Mortgage Specialist?

    When it comes to securing a mortgage for a high-net-worth individual, it is crucial to work with a specialist who understands the unique financial needs and complexities of this demographic. A specialist has the expertise and experience to navigate the intricate financial landscape that comes with significant assets and investments.

    By working with a specialist like Agentis, you can rest assured that you are receiving the highest level of service and expertise to help you achieve your financial goals.

    Contact us today to speak to one of our specialist mortgage advisors.

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    What Our Customers Think

    High-Net-Worth Exemption Mortgages

    Our high-net-worth exemption mortgages offer unique benefits and personalised services tailored to meet the specific financial needs and goals of wealthy individuals.

    Non-Standard Income

    We specialise in effectively managing intricate applications for clients who do not fit within the conventional criteria, such as individuals with non-standard income or multiple income streams.

    High Value Interest-Only Mortgages

    High value interest-only mortgages offer enhanced flexibility to clients who meet specific criteria, resulting in reduced monthly mortgage repayments. This alternative can be deemed appropriate for individuals whose income is anticipated to experience growth in the immediate future.

    Multi-Million-Pound Mortgages

    With the presence of stringent lending criteria and the intricacies of financial structures, successfully manoeuvring through the realm of high-value mortgages necessitates a profound level of expertise and specialised knowledge. Moreover, the acquisition of multi-million-pound options may require the coordination of multiple parties.

    Private Bank Mortgages

    Private banks offer customised solutions and personalised underwriting services for their clients. They make sure to meet all of their client’s needs precisely. Private banks also provide banking and wealth management services that complement their client’s needs and can be easily integrated into their overall mortgage solution.

    Frequently Asked Questions

    We’ve answered the most common questions below. If you need further help, don’t hesitate to get in touch with us.

    How long does it take to get approved for a high-net-worth mortgage?

    The approval process can take longer than for a traditional mortgage, typically 4–8 weeks.

    What are the interest rates on high-net-worth mortgages?

    Interest rates vary depending on the lender, loan amount, and applicant’s financial profile. Rates are generally lower than traditional mortgages but may be higher than private banking options.

    Can I use a high-net-worth mortgage to purchase any type of property?

    Yes, they can be used to purchase a variety of properties, including homes, investment properties, and commercial properties.

    How Can Agentis Financial Help You?

    Agentis is the trusted mortgage broker in Peterborough, for first-time buyers in the UK. Whether you want to learn more about different types of mortgages for first-time buyers or government-backed schemes, we’re the name you can trust for professional, Whole of Market mortgage advice.

    When you sit down with one of our first-time buyer mortgage advisers, you’ll be encouraged to put down between a 5-20% deposit on your home. We recommend putting more than 5% down on your property, so you can enjoy a cheaper interest rate on your mortgage payments. To apply for a mortgage, you’ll need to prove to a lender that you can afford and continually make monthly mortgage payments even if interest rates rise or the unexpected happens. Contact us with any questions or concerns and let’s get the conversation started today. We can help you save money as a first-time buyer!

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