Our specialist mortgage advisers are committed to providing a seamless, personalised experience; guiding you with precision and care through the complexities of securing high value mortgages.
At Bower Private Clients, our team excels in high-value mortgage advice, catering to high-net-worth individuals seeking bespoke solutions. Finding high-value mortgage lenders might seem daunting and stressful, but with our team, we can help you find the best high-street lenders; working with a specialist mortgage broker will make the process easier.
With a deep understanding of the high-value mortgage market, our experts bring a nuanced approach, ensuring that every aspect of your mortgage is meticulously tailored to fit your unique financial landscape. Mortgage rates can vary, especially for large mortgage loans, so our team will work with you to find high-street lenders and private banks that can offer you the best high-value mortgage rate available.
A high-value mortgage has been specifically crafted for properties that stand out due to their exceptional market value, often surpassing the usual lending limits set by financial institutions. Perfect for high-net-worth borrowers or those looking to add property to their investment portfolio.
This type of mortgage is particularly suited for individuals with significant assets, offering tailor-made financial solutions that consider the borrower’s distinct financial standing and requirements and the property’s unique value.
Navigating the intricacies of such substantial financial arrangements necessitates expert advice to ensure the procurement of terms that are both advantageous and aligned with the borrower’s financial aspirations.
With our team of mortgage advisers here at Bower Private Clients, we can look at your income, personal circumstances and any other aspects of your finances to help you find the right large mortgage loan.
For those in the high net worth bracket seeking to finance premium properties, understanding and leveraging the benefits of a high-value mortgage can be a key component in managing their portfolio effectively.
Whether you are searching for a set figure for your monthly mortgage payments or something more specific like interest-only mortgages, Bower Private Clients can help you.
Qualifying for a large mortgage loan involves meticulously evaluating your financial health and the property value you wish to purchase. Our team at Bower Private Clients will inspect your income, assets, credit history, and debt levels to ensure you can comfortably manage the repayments on a substantial loan amount.
Your property’s value will also be assessed to ensure it aligns with the loan size. High-net-worth individuals often must present more complex financial profiles, including varied income streams and significant assets, necessitating bespoke lending solutions.
It’s imperative to demonstrate a robust financial standing and provide additional security or guarantees to meet the stringent criteria for a large mortgage loan.
Stay calm about this process; our team will walk you through it and ensure you understand any correspondence with the mortgage brokers.
Find a high value mortgage that suits your needs with our specialist mortgage advisers today.
Working with specialist lenders allows our team at Bower Private Clients to offer a range of large mortgage loans; we have something suitable for everyone. High-value mortgages come in various forms to cater to the diverse needs of high-net-worth individuals.
Each type offers unique benefits and considerations, making it essential to seek expert advice to find the most suitable high-value mortgage tailored to individual financial circumstances and investment strategies.
Offer stability with a fixed interest rate for a predetermined period, making budgeting more straightforward for substantial property investments.
The borrower pays only the monthly interest, with the principal due at the end of the mortgage term. This can be particularly useful for those with significant investments or assets expected to mature.
Short-term solutions designed to bridge the gap between transactions, such as buying a new property before selling the current one.
Interest rates fluctuate with the market, which could be beneficial during lower rates.
Linking the mortgage to a savings account allows the savings balance to offset the mortgage amount, reducing the overall interest payable.
For high net-worth individuals looking to invest in property abroad, catering to various international banking and legal requirements.
Take a look at what our clients are saying about their experience with Bower Private Clients
I received fantastic service. My advisor was very proffesional and guided me through the whole process he was very knowledgeable about the products and worked hard to find the right one for me. He was always there to advise me and answer any questions I may have. I would not hesitate to recommend this company and my advisor to anyone requiring these services. I would definately give them 10 out of 10.
Miss Steel
Bower were worry-free, polite, efficient and friendly and got the job done with no fuss or bother. They kept us in the loop at all times, making us feel at ease, and any questions we asked, they responded with clarity and accuracy. We highly recommend them to anyone selling their house and doing an equity release. And all the sub people were excellent. Vanessa Carver was brilliant; she made it run smoothly. She was a godsend.
Mr & Mrs Kindon
GBR
Considering Equity Release was a big decision for me. Living on my own meant I had no-one to bounce ideas off so I hesitated for three months before I made the decision to contact Bower Home Finance. I read the amazing reviews they had and decided they were the ones for me. I made the initial contact on the 4th November 2025 and by the next day I was talking to Ian Bigwood who had been allocated to me. Ian had the patience to answer all of my (sometimes silly) questions, but I wanted to make sure I was doing the right thing. Ian took on board everything I said, on where I needed to be in the next twelve months and my long term goals post retirement. He advised me perfectly on what I needed and remained in full contact throughout the process, even when I wasn't expecting to hear from him. He liaised with other parties such as an equally as professional Solicitor Team to provide a perfect, worry-free service and they all contacted me when they were meant to. No delays, no stress. On the 13th January 2026, Ian called to say "Have you checked your bank account?" (I hadn't). The process was complete. In just over two months, the process was done, with no worries for me. Just to say to Bower Home Finance, you have a thoroughly professional and likeable member of your team. Easy to deal with, no pressurised questions, just the information you need and on call whenever you need them. I have no hesitation in recommending their services. I can't see how any other company could be more efficient. 10/10 from me. Oh and Ian - you may have just changed my life. And for that, I cannot be more grateful. Thank you for all you have done.
Mr Salt
GBR
I was recommended to use Vanessa Carver of Bower from a customer of mine who had employed her services and I haven't regretted one day of my decision to use her.... she is totally suited to the job she does - informative, always there for any questions or worries, empathetic, positive and very clever and knows her stuff - in short, I would recommend her to anyone as she has supported me all the way through a very stressful period of time and gone over and above the call of duty.... Bower are so lucky to have her.
Mrs Cooke
Bower Private Clients is at your service if you’re seeking a high-value mortgage. Our team of experts specialises in providing bespoke mortgage solutions tailored to high-net-worth individuals.
With a deep understanding of the complexities and nuances of high-value mortgages, we’re equipped to offer you personalised advice and support throughout the process.
Contact Bower Private Clients today to explore how we can assist in securing the right mortgage for your prestigious property investment.
Our specialist mortgage advisers are on hand to provide you with whole market options to suit your needs and suitability.
Read more about usGiven the tailored approach required for large mortgage loans, there’s the potential to customise your repayment plan to align more closely with your financial situation. For instance, arranging for yearly repayments could be a viable option, particularly if this aligns with receiving annual bonuses or other significant income influxes.
A qualified mortgage broker can explore these possibilities with you, collaborating with specialist lenders to devise a repayment strategy that optimally accommodates your financial preferences and requirements.
High-value mortgages, fixed-rate and tracker rate options cater to diverse financial strategies and risk appetites. Fixed-rate mortgages provide the security of consistent repayments, locking in a rate for a set period, thus shielding borrowers from market volatility. This stability particularly appeals to those who value predictability in their financial planning.
On the other hand, tracker rate mortgages offer flexibility, with interest rates tied to an external benchmark, typically the Bank of England’s base rate. When the base rate is low, borrowers can benefit from reduced payments, though they must also be prepared for potential increases. Each option has its merits, and the choice hinges on individual financial circumstances, future market projections, and personal risk tolerance.
Our team of high-value mortgage advisers will always look to provide you with the best deal available. Contact our team to learn more about your different options; we can help you with your property purchase today.
With access to over 500 lenders, Bower will help you release equity and create liquidity to acquire property, whenever you want to buy
Bower Private Clients provides independent, impartial whole of market mortgage advice with an award-winning customer service experience. Initial advice is provided at no cost to you and without obligation. Only if you choose to proceed, would a typical advice and administration fee of £495 be payable.
Speak to one of our dedicated customer specialists or arrange your free, initial no-obligation quote by calling us on 0203 817 6040.
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 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
customer.services@bowerhomefinance.co.uk