Securing high net worth mortgages isn’t just about borrowing more, it’s about navigating a different world of lending altogether. Clients with substantial wealth often require more flexibility, bespoke terms, and a lender who truly understands the nuances of their income structure. At Fox Davidson, we specialise in arranging tailored solutions that meet the needs of high-earning individuals, entrepreneurs, and property investors.

Bespoke Lending for Complex Financial Situations

Traditional mortgage applications rely on straightforward salary slips and predictable income. But for many high net worth individuals, income comes from a blend of dividends, bonuses, international assets, or trusts. These cases often fall outside standard lending criteria, which is why private banks and specialist lenders are more appropriate.

Because we work directly with these institutions, we’re able to structure lending in a way that reflects your financial reality, whether that means interest-only options, asset-backed lending, or larger loans with favourable rates.

Access to Specialist Lenders and Private Banks

Many of the best high net worth mortgage deals never make it to the open market. We have relationships with private banks and specialist lenders that offer bespoke terms not available through high street banks. These lenders take a more holistic view of your financial position, allowing us to negotiate terms that wouldn’t be possible through a traditional route.

Interest-Only and Asset-Rich Lending

A key difference in high net worth mortgages is the option for interest-only repayment structures. This can be particularly useful when your assets outweigh your income, or if you prefer to keep capital invested elsewhere. Lenders will often consider your wider wealth profile, including shares, pensions, and property portfolios, when assessing affordability.

Why Work with a Specialist Broker?

Arranging a high value mortgage is as much about who you know as what you know. As a trusted mortgage broker for high net worth clients, we act as a gateway to the kind of lending that simply isn’t accessible on the open market. We manage everything from initial strategy through to completion, liaising directly with underwriters, legal teams, and valuation professionals.

Our main guide on mortgage options for high net worth individuals offers more insight into how we tailor solutions to your needs.

Let’s Talk About Your Mortgage Goals

If you’re looking for a mortgage solution that reflects your lifestyle, portfolio, and financial goals, we’re here to help. We work across Bath, Bristol, Exeter and London, and also offer remote consultations via phone.