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Advice for a High Net Worth Mortgage

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.

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A beautiful home for those with a high net worth mortgage from Active Mortgages.

Why choose a high net worth mortgage broker?

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.

Defining high net worth individuals

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.

Accessing mortgages for high net worth individuals

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.

Cost considerations for high net worth mortgages

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.

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Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Flexible solutions for high net worth clients

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.

Beyond primary residences

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.

International clientele welcome

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.

Get in touch

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.

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FAQs

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.

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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.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Trust our team to find the perfect mortgage for your budget and lifestyle.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists
Active Mortgages - The UK's Leading Mortgage & Finance Specialists

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Active Mortgages - The UK's Leading Mortgage & Finance Specialists

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