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
Andrew Card at Bower Home Finance was recommended to us by Jake Sumner a mortgage advisor that our son David had used. This is the first time that my Wife and I explored equity release and had heard some negative views about it from different sources and we have to admit we approached the process with some naivety and caution. From the very start Andrew was extremely helpful and informative no matter how many questions we put to him. We sometimes went back to Andrew with the same questions and at all times Andrew showed great patience and took time to explain our queries clearly with no 'jargon' or confusing detail. Andrew made the whole process comfortable and understandable from start to finish and also recommended a very good solicitor for the necessary legal advice required. We would have no hesitation in recommending Andrew Card and Bower Home Finance.
Mr & Mrs Nash
South Shropshire
The service received from Bower was excellent and my advisor, Vanessa Carver, was very knowledgeable on the whole process. The meeting I had with her was very thourgh and I was very impressed with the way we discussed my situation and aspirations. I would recommend Bower to my friends and colleagues if they ever decided to consider equity release, Kind regards and thank you again for the service provided RJ Martin
Trusted Customer
First class service from start to finish. Vanessa couldn’t have been more helpful, her communication and the information she provided was excellent. She kept us updated throughout the process and got us the best product for our needs, even finding out through her research that I am now entitled to Council Tax support, hence saving me money throughout the year too! Vanessa is a credit to your company and I would have no hesitation in recommending her to anyone looking to explore equity release in the future.
Mr Beard
Desborough
Following my initial online contact I received a phone call which enabled me to start the process with confidence. I did not feel 'pushed' or 'managed' in any way. I was able to have face to face meetings at home so that I could clarify issues that I was unsure about, and from the beginning Steve was excellent at informing of updates via phone and email. He also helped by researching local surveyors for me so that I could quickly and easily make my selection. Throughout the process he was cheerful, positive and a lovely person to work with!
Trusted Customer
We did our research and decided on Bower because it stood out; I believe it was the smallest company we looked at and hoped for a more personal service, than some of the ‘big boys’, which Bower certainly lived up to. Our enquiry quickly led to an appointment with Andrew Card, who was so knowledgeable and explained everything, in language that we understood. He then did his research and came back with our options. Although we had a couple of hiccups, Andrew stepped in and sorted them out without any fuss. We have now completed our equity release and would like to thank Andrew and Nicky for all their support. We would certainly have no hesitation in recommending Bower, and of course Andrew Card, to anyone.
Trusted Customer
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
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
