High-net-worth mortgages are tailored financial solutions designed specifically for individuals whose financial situations exceed the norm, often encompassing complex income structures and substantial assets.
At Bower Finance, our High-Net-Worth Mortgage Specialists are dedicated to delivering unparalleled financial solutions to affluent individuals seeking to navigate the complexities of high-value property acquisition. We understand the nuances of mortgages for high-net-worth individuals and high-net-worth borrowers.
With a deep understanding of the unique financial dynamics faced by high-net-worth clients, our team offers a highly personalised service meticulously tailored to meet the distinct needs of each client. Our team can help you find a private bank that will help you get a mortgage, especially if you have an annual net income higher than other lenders.
Our specialists are not only versed in the nuances of the UK’s luxury property market but also excel in crafting bespoke mortgage strategies that align with sophisticated investment portfolios and diverse income structures.
Mortgages for high-earning professionals are bespoke financial solutions crafted to accommodate the unique mortgage needs and financial situations of individuals with substantial and stable income levels, often derived from careers in medicine, law, finance, and technology.
These professionals, although possessing high income, may face challenges with traditional mortgage criteria due to variable income components such as bonuses, equity stakes, or partnership distributions.
In the UK, lenders catering to high-earning professionals offer flexible underwriting criteria that consider the totality of an individual’s income and potential for future earnings rather than just a basic salary.
This approach enables high-earning professionals to access higher loan amounts and more favourable terms, reflecting their financial reliability and the lower risk they present.
Such mortgages are tailored to support the professional’s lifestyle and investment goals, ensuring their financial solutions are as sophisticated as their careers.
Unlike standard mortgages, high-net-worth mortgages are tailored for those whose wealth and income sources may not fit the traditional lending criteria, often involving intricate investment portfolios, multiple income streams, and international assets.
High-net-worth mortgages accommodate more significant loan amounts, offer more flexible terms, and are structured to align with the borrower’s sophisticated financial strategies. Not only this but they are also suited to include foreign currency income streams of high net worth customers, looking at all net assets.
In the UK, such mortgages are typically facilitated by niche lenders and private banking institutions that possess the expertise to navigate the complexities of high-value property transactions, providing a bespoke service that ensures both discretion and a deep understanding of the client’s financial landscape.
Here at Bower Private Clients, we work with a high-net-worth individual to ensure that you get the right mortgage; with access to a range of specialist mortgage brokers and private banks, we should be your first port of call. Our team can also work with you on multi-million-pound mortgages. We can still support you if you are looking for a high-street lender; our mortgage experts are entirely rounded specialists.
Our specialist team are ready to help find the right high net worth mortgage for you.
Take a look at what our clients are saying about Bower Private Clients
The representative, Tracy , was exceptional. The first time she visited me, she was so kind and approachable. She sat with me for a long time and explained everything until she felt that I understood. She talked about the advantages and disadvantages and gave me a chance to make informed choice. She was engaged all the time. Taking me through every stage, patiently and professionally. Nothing was not too much trouble for her. I phoned her umpteen times for clarification, and each time she returned my calls and explain what I wanted to know. Sometimes I would ask twice about the same thing and she was so patient with me because this was my first time in this adventure of Equity Release. She was proactive and pushed every stage to go through quickly. I am very satisfied with her service and I would not hesitate to recommend her as well as Bower. Thank you so much. I have already received the funds and started to put it to the long awaited use.
Trusted Customer
I thonk that the sevice I had from Bower was A1, the company and the financial advisor went through hoops to help me in my moment of despair. They were in touch from the onset and could do enough for me, They came through for me and I can not thank then enough. The advisor even contacted me after everything went through to check that I was happy with everything, did I have anyquestions.
Trusted Customer
I dealt mainly with Lisa Hirst. She explained everything to me informing me of the different options. It should have been a simple process but there were problems with the Land Registry and a poor performance from MBNA and Lloyds Bank none of which was Bowers or Lisa’s fault. She supported me through the whole process and I had built up a good relationship with Lisa. I would recommend Bowers, and particularly Lisa to friends and family should they require this service in the future.
Mrs Pilling
I cannot fault the service received. After an initial call made by Andy, a home visit was soon set up. Andy was very knowledgeable and explained the process of Equity Release very thoroughly. There was no pressure and shortly afterwards we received the report and decided to go ahead. We used Gilroy Steel solicitors as recommended who were equally helpful and Becky's visit was really productive. The whole process was easy and simple and we have now achieved our objective of releasing equity from our home.
Trusted Customer
Excellent. Eric was very easy to get on with and very knowledgeable. He answered all my questions, and looked for the best deal for me. He also reviewed the available deals when I changed my mind about different aspects of my Equity Release deal. He again checked for better deals when my house valuation came in higher than I had estimated. He found a reduced interest rate for me. He checked in regularly with me with updates, or to ask if I had any contact from the solicitors and home surveyor. Everything proceeded easily with no hiccups and was completed quickly. Thanks to Eric and Nicky, his PA, who also contacted me with updates. It's been a very pleasant and easy transaction, with no pressure. In fact Eric kept telling me I didn't have to proceed with the deal now if I wasn't sure. That I could come back to him at a later date when I had made my mind up to proceed.
Mrs Cook
Hebburn
I recently used Bower equity release services and worked closely with our financial advisor,Ben,who provided exceptional support throughout the process. From the beginning he was incredibly knowledgable,answering all our questions with patience and clarity,ensuring We fully understood the ins and outs of equity release. Ben’s expertise and transparent approach made us feel comfortable with the decisions we were making.He walked us through each step,and his recommendations were tailored specifically to our financial situation. Bower,as a company,was professional and efficient.The whole experience was straightforward and stress-free,thanks to Ben’s seamless process. We are very satisfied with the outcome and feel confident that we made the right choice with Bower. If you’re considering equity release,I highly recommend Bower and specifically Ben. It took me months to choose the right company to represent us and I couldn’t have chosen better.
Mark & Paula
Crawley
Don’t hesitate to take the first step towards securing your financial future. Please pick up the phone and speak to our finance team today. Our dedicated experts at Bower Private Clients are on hand to provide you with personalised advice, tailored solutions, and the exceptional service you deserve.
Whether you’re exploring high-net-worth mortgages, bespoke investment opportunities, or simply seeking guidance on optimising your financial portfolio, our team is ready to assist. By engaging with our finance specialists, you’re not just making a call; you’re initiating a partnership that prioritises your financial goals and aspirations.
Let us help you navigate the complexities of the financial landscape with confidence and ease. Call Bower Private Clients now and take the first step towards a more secure and prosperous financial future.
Whether purchasing your dream home or investing in luxury property, our team is here to navigate you through the complexities of high net worth mortgages, ensuring a smooth and successful acquisition.
Read more about usIn the UK’s financial services and wealth management, individuals are classified as high-net-worth when they possess substantial liquid assets and investments, excluding their primary residence.
Typically, this classification applies to individuals with a net worth exceeding £1 million, including savings, investments, and tangible assets such as additional properties and luxury items.
High-net-worth status not only reflects the level of wealth but also indicates the complexity of an individual’s financial affairs, which may involve diverse income streams, international assets, and intricate investment portfolios.
This distinction is crucial for financial institutions and advisers, who tailor their services, products, and advice to meet high-net-worth clients’ sophisticated needs and expectations, ensuring that financial strategies are aligned with their significant assets and long-term wealth preservation and growth objectives.
High-value, interest-only mortgage solutions are designed for individuals seeking to finance premium properties while maintaining lower monthly repayments. Bower Private Clients can help you with these available from various private banks.
These mortgages allow borrowers to pay only the interest on the loan for a specified term, with the principal amount due at the end of the mortgage period. Ideal for high-net-worth individuals with significant assets but varying income streams, these solutions offer the flexibility to manage large-scale investments effectively. This type of mortgage is also suitable for those with fluctuating self-employed income streams.
In the UK, such mortgages are particularly attractive for those looking to maximise cash flow, invest in other high-yield opportunities, or plan for significant future liquidity events. Lenders offering high-value interest-only mortgages typically require a robust exit strategy to ensure the loan can be repaid, often involving the sale of the property, investment returns, or other assets.
This mortgage type demands a deep understanding of the borrower’s financial landscape, ensuring that the solution aligns with their wealth management strategies and long-term financial goals.
Non-standard income mortgages are tailored financial solutions designed for individuals whose income patterns do not conform to the traditional, regular earnings model typically required by conventional lenders.
These mortgages cater to freelancers, contractors, entrepreneurs, and professionals with variable income streams such as bonuses, commissions, or investment earnings.
In the UK, where diverse work arrangements and income sources are increasingly common, non-standard income mortgages offer the flexibility to accommodate these unconventional earning patterns.
Lenders specialising in these types of mortgages assess affordability based on a broader view of an applicant’s financial health, including proof of future income stability, professional track record, and overall financial management.
This approach enables individuals with non-standard incomes to access mortgage financing, allowing them to secure property investments despite the irregular nature of their earnings.
Working with Bower Private Clients for your high-net-worth mortgage offers a bespoke service tailored to the intricate financial landscapes of affluent individuals. At Bower Private Clients, we stand out due to our deep understanding of high-net-worth clients’ unique needs and challenges. We offer expertise in navigating the complexities of large-scale property financing.
Our dedicated specialists provide personalised attention, crafting mortgage solutions that align with your wealth management strategies and optimise your financial portfolio. With access to an extensive network of lenders and exclusive financial products, Bower Private Clients ensures that clients receive the most favourable terms and conditions available in the market.
Our commitment to confidentiality and a comprehensive approach to financial planning make Bower Private Clients the preferred choice for high-net-worth individuals seeking a mortgage and a strategic financial partnership.
With access to over 500 lenders, Bower will help you release equity and create liquidity to acquire property, whenever you want to buy
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Some buy to let mortgages are not regulated by the Financial Conduct Authority.
Bower Private Clients provides impartial whole of market advice with an award winning customer service experience. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but a typical fee of £695 will be payable on the application of the mortgage.
Speak to one of our dedicated customer specialists or arrange your free, initial no-obligation quote by calling us on freephone 0203 817 6040.
Bower Private Clients is a trading style of Bower Retirement Limited and is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number: 451607.
Registered in England and Wales No: 5788110. Registered office: Bower Private Clients, Ongar Business Centre, The Gables, Fyfield Road, Ongar, CM5 0GA.
0808 281 2658
