Private Bank Mortgages
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We can help you secure a Private Bank Mortgage in the UK on a bespoke basis:
Our Specialist Private Bank Mortgage Broker Service:
- Bespoke lending solutions from £500,000
- Large mortgage loans up to 95% LTV (Loan to value)
- Uncomplicated approach to income & wealth
- Interest only mortgage and high income multiple options
- Private bank mortgages for residential and investment properties
- Options for short term finance (bridging), buy to let, commercial and development
- Mortgage solutions for complex income arrangements e.g. foreign currency, multiple income sources, family trust income, using company retained profits
- Solutions for HNW individuals
- Large mortgage options with no assets under management requirement
- Later life lending solutions
- Offshore solutions for UK expats, non domiciled UK residents, UK residents earning in a foreign currency and foreign nationals
- Independent & expert advice to suit your schedule and needs
Why Consider A Private Bank Mortgage?
We can secure private mortgage loan arrangements for our clients with more flexible borrowing arrangements and much lower interest rates.
Instead of following the usual set of restricted mortgage lending guidelines, private banks can assess your situation and affordability on a case-by-case basis.
They can move very quickly to offer a tailored solution for high net worth individuals, taking into account your wealth as well as your income.
Our close and established relationships with unrestricted private banks allow us to arrange bespoke underwriting and customised mortgage products tailored to suit your income, wealth, and property needs.
How Do Private Bank Mortgages Work?
You can't approach a private bank directly. Some private bank lenders prefer a personal recommendation or referral from one of their existing clients, or you will need to be introduced via an intermediary such as Clifton Private Finance.
An initial introduction will usually involve an in-depth meeting with the bank, in which they will want to get to know you, understand your background and future plans, as well as get a full picture of your wealth and income.
This personal introduction process is not something you will want to go through multiple times before you find the right fit for you. Our experienced and specialist private bank mortgage advisors will talk you through the options and connect you to the private bank which presents the best solution for you.
Our recent private bank case studies
Do Private Banks Require Assets Under Management (AUM) To Offer a Mortgage?
Private banks are likely to encourage you to consider their Assets Under Management (AUM) offering since it is a major service they offer. Some private banks still require a minimum investment, but it is no longer a standard requirement to bring your wealth portfolio with you if you require a private bank mortgage.
There are many advantages to holistic management of your financial affairs, and some of our clients can make substantial savings on multiple consultancy fees. But the decision is entirely yours, so we can help you consider the options and advise you on the right private bank to suit you and your current situation.
How Can Clifton Private Finance Help?
If you are a medium or high net worth individual and think a private bank mortgage could be beneficial, get in touch with one of our specialist private finance brokers for a discussion of your requirements. They will be more than happy to assist you and give expert guidance.
You can book a callback consultation at a time to suit you:
Or call us now on 0203 900 4322
2 Year Tracker Subsequent rate 6.99% LTV - 60% Product Fee £999 Free standard valuation Early redemption charges As of 10th January 2024 5 Year Fixed (Remortgage) Subsequent rate 6.25% LTV - 60% Product Fee £999 Early redemption charges As of 10th January 2024 2 Year Fixed (Remortgage) Subsequent rate 6.25% LTV - 60% Product Fee £999 Early redemption charges As of 10th January 2024 Thank You for your interest - please complete the form below and a member of our team will be in contact.2 Year Tracker
Up to £5m
4.94% APR
APRC 8.4%*
5 Year Fixed
Up to £1.5m
3.89% APR
APRC 6.1%*
2 Year Fixed
Up to £1.5m
4.44% APR
APRC 6.1%*
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*Overall Cost For Comparison
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