Securing High Net Worth Mortgage In The UK

If you’re wealthy, regular mortgages probably don’t work for you. You need something designed to match your lifestyle and financial goals.

The good news? With the right mortgage advisor, buying a high-value property or using your assets for smart investments can be simple.

This guide breaks down high-net-worth mortgages in 2025, so you can see how they work and decide if they’re right for you.

What Defines a High Net Worth Mortgage?

A high-net-worth mortgage is designed for wealthy individuals who meet certain financial requirements.

According to the FCA definition, you’ll qualify if you:

• Have at least £3 million in net assets, or
• Earn £300,000 or more a year.

These mortgages are not your standard home loans. They give you access to:

• Bigger income multiples
• Higher loan-to-value (LTV) ratios
• Special low-interest deals
• Flexible terms that fit your unique situation

In short, high-net-worth mortgages are built to offer more freedom and options for investors and buyers like you.

Why Choose a High-Net-Worth Mortgage?

As a wealthy individual, you may choose these niche mortgages over high street offerings for several key reasons:

Get Exclusive Deals

If you’re buying a luxury home or managing multiple properties, you’ll need access to special low-rate deals that regular banks don’t offer. 

Specialist lenders create these mortgages specifically for wealthy clients. A good broker can connect you to lenders with the best rates and terms.

Borrow More

High-street banks usually limit loans to 4.5 times your income. High-net-worth lenders, however, can go up to seven times—or even more. 

This means you can borrow what you need while keeping extra cash available for other investments.

Flexible Terms

These mortgages are tailored to your financial situation. Even if your income isn’t high but you have plenty of assets, you can still secure a loan. 

Lenders base decisions on what you can afford, not rigid rules, making it easier to borrow what works for you.

Asset-Backed High Net Worth Mortgages

Another route to pursue is an asset-backed mortgage. Instead of securing the loan against the property, lenders use your valuable assets as collateral.

Common assets include:

• Stocks and shares
• Investment portfolios
• Luxury cars
• Art and collectables
• Property portfolios

This approach has some big advantages:

• You can borrow larger amounts.
• You keep ownership of your assets.
• Interest rates are often lower.
• There’s no need to sell off assets to fund your purchase.

With the help of a skilled broker, you could even borrow more than seven times your income.

Remortgaging High Net Worth Deals

Already have a high-net-worth mortgage? 

Remortgaging could get you a better deal. Brokers with strong lender connections can help you find exclusive offers that save you money or improve your terms.

Interest rates change often, so it’s smart to review your mortgage regularly. This ensures it stays affordable and works with your investment goals.

Options for Bad Credit Borrowers

Don’t let a poor credit history hold you back. For high-net-worth mortgages, lenders often care more about your assets than your credit score.

If you meet the required asset thresholds and can show you’ll make repayments, many lenders will overlook small credit issues.

The right broker can match you with lenders who focus on your wealth, not past financial problems. Being upfront about your history helps them find the best solution for you.

What Interest Rates Should You Expect?

If you’re looking for a high-net-worth mortgage, it’s good to know what kind of interest rates you might face.

Rates can change quickly in the UK, but here’s the gist: as of early 2025, the average fixed mortgage rate ranges from 4.5% to 5%.

While this is a typical market rate, if you’re someone with significant wealth, you’re likely to score better deals.

Why? Lenders see wealthy borrowers as less risky thanks to their strong financial standing. This means you could get lower rates compared to the general market. 

In some cases, high-net-worth clients manage to land rates well below average.

Now, you might hear about ultra-low rates—like sub-1% fixed deals or rates starting at 0.99%.

But don’t get your hopes up too high. These are rare and not what most borrowers will see. Still, your rates will likely be more favourable than standard ones.

For the most accurate and up-to-date rates, it’s worth checking with a trusted mortgage broker. They’ll find options tailored to your financial situation.

How Much Do High Net Worth Mortgage Brokers Cost?

High-net-worth mortgages come with some extra costs, so it’s good to know what you’re signing up for. Here’s a quick breakdown:

• Interest Rates. Your mortgage rate will depend on things like how much you’re borrowing and your overall finances. Rates are often competitive, but they do vary.
• Arrangement Fees. Lenders charge these to set up your loan. For high-value mortgages, expect to pay 0.5% to 1% of the loan amount. Borrowing £2 million? That’s £10,000 to £20,000 in fees.
• Valuation Fees. Before giving you the loan, lenders will assess your property’s value. These fees can range from a few hundred to a few thousand pounds, depending on the property.
• Legal Fees. You’ll need a solicitor to sort out the legal side of things. For high-value properties, their fees can run into thousands of pounds.
• Stamp Duty. This is a tax you pay on properties over a certain value. For pricey homes, stamp duty can be a big expense. The exact cost depends on the property price and whether it’s your first or an additional property.
• Broker Fees. If you use a mortgage broker, they’ll likely charge for their services. This could be a flat fee or a percentage of the loan amount.

It’s not just the interest rate that matters—it’s all these other costs that add up.

Make sure you chat with your broker to understand the full picture and budget for everything. The more prepared you are, the better decisions you’ll make for your big investment.

What Information Will Your Broker Need?

To find the right mortgage for you, your broker will need some key details about your finances. Here’s what they’ll usually ask for:

• Your Personal Details – Things like your name, address, and contact info.
• Proof of Income – This could include tax returns, PAYE slips, rental income, dividends, pensions, or expense records.
• What You Own – Details about your property portfolio, luxury cars, investments, or any businesses you own.
• Existing Mortgages – Information on terms, outstanding balances, and any rental income from investment properties.
• Your Credit History – They’ll check for missed payments, defaults, or bankruptcies.
• Future Plans – For example, if you’re planning to retire soon, this could impact your mortgage terms.

Having your documents organised beforehand makes the process quicker and easier, so you can get your loan approved faster.

What About Bigger Deposits?

If you’re buying a pricey property, you’ll probably need a bigger deposit. That’s because larger loans often come with stricter rules about how much the lender will cover compared to the property’s value.

For example, if you’re buying a £4 million property and the lender has a 50% loan-to-value limit, you’ll need a £2 million deposit.

Lenders know you’re not pulling that kind of cash from a savings jar. As someone with significant wealth, your deposit might come from:

• Selling a property in the UK or abroad
• Cashing in investments
• Receiving money from a trust or inheritance
• Getting a gift from family
• Selling a business

Wherever the deposit comes from, the lender will need proof. This isn’t about being nosy—it’s just to ensure the money is legit and meets legal requirements.

How Can You Protect Your Assets?

When you’ve got a lot of money, it’s not just about finding a good mortgage. You also want to make sure your wealth stays safe.

Specialist brokers can help with this by creating smart strategies, such as:

• Using offshore lending structures to manage taxes.
• Buying properties through trusts or companies.
• Diversifying investments across different countries to spread risk.

The goal is to protect your wealth while making the most of it. A good broker knows how to balance these priorities and make sure your assets work for you.

How To Find the Best High-Net-Worth Mortgage Broker

Picking the right broker for a high-net-worth mortgage doesn’t have to be overwhelming. Here’s what to look for:

• Specialist Knowledge. They should know high-net-worth lending like the back of their hand.
• Direct Connections. They can talk straight to decision-makers at big lenders.
• Experience with Big Numbers. They’re comfortable handling seven-figure deals.
• Personalised Approach. They’ll take the time to understand exactly what you need.
• Great Reviews. Other clients trust them and rate them highly.

It’s worth taking your time to find the right broker. After all, you want someone who can not only protect your wealth but also make it work harder for you.

The Bottom Line

High-net-worth mortgages might sound complicated, but they’re actually pretty straightforward—especially if you’ve got plenty of assets and a solid income.

These mortgages are made just for people like you. They let you borrow more and come with exclusive deals you won’t find elsewhere.

Plus, they’re tailored to fit your unique financial setup, whether your money comes from property, investments, or even art collections.

If refinancing is on your mind, these mortgages also give you options to find better terms that suit your plans.

The key? Work with a broker who really knows their stuff. A good broker will sort out all the details, from interest rates to fees, so you can focus on your big plans.

Interested? Let us help. Get in touch for a free chat with an expert broker—no pressure, no strings, just tailored advice to help you get the perfect mortgage for your needs.