A hnw mortgage is defined by the FCA as a mortgage given to someone with a net income of at least £300,000. Or someone with net assets of at least £3 million. A high-net-worth mortgage offers loans upwards of £1 million.
Traditional lenders often struggle to accommodate the specific requirements of high net worth individuals. At Active Mortgages, we excel in sourcing mortgage options from an extensive network. Our team of HNW mortgage brokers ensure each case receives the attention it deserves as well as a tailored solution. We communicate with banks, private institutions, and specialist lenders to get the best rate for you.
Are you earning over £300,000 annually or possess net assets exceeding £3,000,000?
Congratulations, according to the UK’s Financial Conduct Authority (FCA), you are a High Net Worth Individual. But what does this mean for you? With Active Mortgages, you can leverage this status to access mortgage products designed to suit your affluent lifestyle.
Your designated HNW mortgage advisor can help with the application process. We take care of all communications allowing you to manage your busy schedule.
Active Mortgages offers access to custom mortgages for hnw individuals in the UK. These mortgages are different from traditional ones because they consider more than just your income.
We work with lenders who understand the full value of your financial portfolio. This includes not only your properties but also your investments. This can also include special assets like fine art, vintage cars, and other valuable items.
High net worth mortgages are designed for people who have significant wealth tied up in various forms. Traditional mortgages usually only look at your regular income to determine how much you can borrow. However, high-net-worth mortgages are more flexible. They consider all your money matters, like what you own, invest, and what your wealth could be worth in the future.
This mortgage is good if your income is irregular or from various sources like investments or business profits. Having wealth can help you borrow more money or get better loan terms because lenders see you as less risky. Our goal is to help you find the best mortgage that fits your unique financial situation. This allows for the flexibility and support you need to manage your wealth effectively.
At Active Mortgages, we know that high-net-worth clients have unique financial needs. As a result, we look at mortgage costs for each person on an individual basis.
We work to find a solution that works for their situation. We take into account not just income, but also assets and investments, to make sure everything is calculated correctly. Our goal is to provide a mortgage plan that aligns with your overall financial picture.
If you need a mortgage over £500,000 our high-net-worth mortgage advisors are ready to help. We can also help those who are looking for a more personalised approach to their finances. We’ll work with you to find the best possible terms and secure rates that match your financial goals.
We work hard to provide a customised mortgage that adapts to your needs. We will also ensure it offers flexibility as your circumstances change.
ExcellentBased on 100 reviewsDaniel Couchman12 January 2024This review is long overdue - Active mortgages got us our dream home! I spoke with around 7 different brokers from different companies which didn’t know what they were talking about but then I found Simon at active - he was straight to the point and got us the best deal and the highest amount possible. I got a bit impatient at one point but that was due to the banks taking ages to process everything - active were calm and reassured us. Highly recommended. Excellent from start to finish Even sent us a gift for Xmas - thank you!Meena Kanagavel2 January 2024Jamie Murray from Active Mortgages has been amazing in setting up the VAT loan, whilst we purchased our Land. Right from the start, Jamie has been proactive in finding the correct (BEST) deals for us and ensured everyone is aligned to complete on time. Highly recommend using Active Mortgages, and we would certainly be using them again for future projects.Thanks once again Jamie for all your support throughout Dec, appreciate your efforts in making sure our purchase was done on time. Many thanks Meena (and Mark Jones)Stefan Stancila21 December 2023Comprehensive advice from Jamie & easy communication through remortgage process . Recommend!Yasmin Bates20 December 2023Jamie has made the whole process of buying a house very straightforward, especially for self employed. Would 100% recommend and would use again too!Gerard19 December 2023Good experience, helped us every step of the way.darren john coggins12 December 2023Dan has been great from start to finish. As a first time buyer it can be quite overwhelming and confusing but Dan has went above and beyond. His process was very easy, efficient and we could not recommend him enough!FUNMI AKINLAMI7 December 2023Excellent service, hard working staffakinlami akinwale7 December 2023Excellent service, very patient and willing to help staffMichael Bennett5 December 2023Dan has been great from the first phone call. He has made everything simple and taken the time to explain everything to me as a first time buyer, answering any questions I have along the way, highly recommendjames whitaker31 October 2023Great professional service highly recommended for anything financial
High net worth mortgages give you flexibility by letting you use your assets without tying up your cash. We help high-net-worth clients secure special loans by using valuable assets like stocks or portfolios as collateral.
These can be tailored to their needs to ensure the best rates that are on offer in the market right now. If you have any questions throughout this process we will work closely with you to ensure all your financial assets are accounted for. We will also answer any questions you have to ensure your application process is as seamless as possible.
We use our knowledge to assist wealthy individuals in getting mortgages for second homes, rental properties, and investments abroad. Our comprehensive approach ensures that clients receive tailored solutions regardless of their property investment goals. We help you add your holiday home or work apartment to your assets, making it easier to get the loans you need.
We help international clients, including British expats and foreign nationals, find high net worth mortgage solutions in the UK. Our bespoke approach considers your unique circumstances, offering competitive rates and terms to suit your global financial footprint.
At Active Mortgages, we understand that high net worth mortgages require a specialised approach. We have over ten years of experience and provide top-quality services that aim to surpass your expectations. From tailored rates to comprehensive support, let us guide you toward financial success.
Ready to explore high net worth mortgages with Active Mortgages? Contact us today to discover bespoke solutions tailored to your affluent lifestyle. With our expert guidance, you can secure the mortgage you need while safeguarding your financial future.
High-net-worth individuals often have unique financial circumstances that traditional lenders may struggle to accommodate. A specialised high net worth mortgage broker, like Active Mortgages, has access to a wide network. This includes banks, private institutions, and specialist lenders, ensuring personalised attention and tailored solutions.
High-net-worth individuals often have unique financial circumstances that traditional lenders may struggle to accommodate. A specialised high net worth mortgage broker, like Active Mortgages, has access to a wide network. This includes banks, private institutions, and specialist lenders, ensuring personalised attention and tailored solutions.
Individuals earning over £300,000 annually or possessing net assets exceeding £3,000,000 meet the criteria for a HNW individual.
The cost of a high net worth mortgage is individually assessed. Our HNW mortgage brokers ensure each client receives a bespoke solution aligned with their financial circumstances.
Active Mortgages helps you get customised mortgage deals using more than just your regular income. They can consider things like properties you own, investment accounts, and even valuable items like art and vintage cars.
Yes, Active Mortgages welcomes international clients. This includes British expats and foreign nationals, seeking high net worth mortgage solutions in the UK. Our bespoke approach considers unique circumstances and offers competitive rates and terms to suit global financial footprints.
Yes, high net worth mortgage brokers can assist with bridging loans. We offer short-term loans to help you buy a new property while waiting to sell your current one.
The LTV ratio for high net worth mortgages can vary and is usually more flexible than standard mortgages. Lenders may offer higher LTV ratios due to the lower risk profile of high net worth clients.
Like any mortgage, a high net worth mortgage can impact your credit score. Timely payments can improve your credit score, while missed payments can negatively affect it. Brokers can advise on managing your mortgage to maintain a healthy credit profile.
to invest in your future with a mortgage tailored to your goals
Trust our team to find the perfect mortgage for your budget and lifestyle.
Trust our team to find the perfect mortgage for your budget and lifestyle.
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