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.

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.

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.

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!