High Net Worth Mortgages

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A High Net Worth mortgage is a specialist mortgage specifically tailored for the needs of High Net Worth clients. On the face of it, High Net Worth individuals should have very few issues in accessing a mortgage from mortgage lenders. However, many High Net Worth individuals tend to have complex income streams that many high street lenders cannot factor into their risk calculation.
According to the UK’s Financial Conduct Authority, the criteria for a high-net-worth mortgage is either an individual who has a personal income of more than £300,000 or has liquid assets of more than £3,000,000.
Many high street lenders offer "off-the-shelf" mortgages which may be suited to properties under a certain value and High net worth clients can sometimes find that high street lenders do not offer the right level of expertise to cater for their needs.
Why should a HNW individual choose us?

  • We arrange bespoke high net worth mortgages for our clients, providing a tailored one-to-one advisory service, either face-to-face or remotely, depending on what suits you.

  • Higher Loan To Value with lower deposit requirement

  • Increased flexibility of underwriting including less income proof requirement

High net worth individuals are also often looking for a tailored approach to the mortgages that they can access, that cannot always be provided via a high street lender.

 More than just arranging a customised lending solution for you, the experienced mortgage advisers at Apex Financial Consultants will take the stress out of million-pound-plus mortgages. As well as getting the most advantageous rates and terms, you will benefit from a partner that will go above and beyond to make even the largest mortgage straightforward, hassle-free and simple.