Mortgage for High-Net-Worth Private Client

At St. George Commercial Finance Brokers Ltd., we specialize in offering bespoke mortgage solutions tailored to the unique financial profiles of high-net-worth individuals. Whether you’re acquiring a luxury residence, refinancing an existing estate, or investing in prime real estate, our team provides discreet, flexible, and strategic mortgage advice that aligns with your long-term financial goals.

Our High-Net-Worth Mortgage Services Include:

Large Loan Mortgages: Finance properties valued in the millions with flexible lending terms
Interest-Only Options: Preserve capital by paying only interest, with balloon payment or asset liquidation at maturity
International Buyer Support: Specialist lending for UK property buyers residing abroad
Multiple Income Source Consideration: We work with lenders who understand earnings from investments, dividends, global assets, or complex portfolios
Discreet Lending Solutions: Your privacy is our priority — high-level confidentiality at every stage

What qualifies someone as a high-net-worth individual for mortgage purposes?

Typically, a high-net-worth client has an annual income of £300,000+ or assets over £3 million, excluding their main residence. Lenders may apply flexible criteria depending on your overall financial profile.

Do private banks offer better mortgage terms than high street lenders?

Yes. Private banks often offer more flexibility, tailored underwriting, higher loan amounts, and bespoke repayment options — especially suited to complex income structures and asset-based profiles.

Can I get a mortgage even if I don’t have regular PAYE income?

Absolutely. Many high-net-worth individuals derive income from investments, dividends, or international businesses. We work with lenders who understand and accommodate these non-standard income sources.

Are interest-only mortgages available for high-net-worth clients?

Yes. Interest-only options are commonly available to preserve liquidity. These are often used when you plan to repay the capital through asset sales, bonuses, or other cash events.

Can you help if I live abroad but want to buy property in the UK?

Yes, we regularly assist non-UK residents or foreign nationals in purchasing or refinancing UK property. Our lenders support international structures, offshore companies, and expat borrowers.

Frequently Asked Questions

"As an international investor, I needed a private mortgage solution without UK residency. St. George handled everything discreetly and secured a high-value interest-only loan that aligned with my portfolio strategy."

"The team at St. George truly understood the complexities of my income sources. They delivered a bespoke mortgage solution through a private bank that no mainstream lender could offer."

"After selling part of my business, I wanted to finance a London property quickly. St. George moved fast, offered strategic advice, and ensured the entire process was confidential and efficient."

"Their professionalism was outstanding. With assets in multiple countries, I struggled to find a lender – until St. George stepped in. I now have the perfect mortgage for my lifestyle."

Need Assistance ?

Whether you need assistance with financing or have a question about our services, our team is here to support you.