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    What our clients say

    Mortgage Specialists for Private Bank Mortgages

    Whether you have a sizable asset portfolio, a complex income, or require a high loan-to-value mortgage, we can help.

    We’ve spent more than two decades building close relationships with the UK’s leading Private Banks. That means we’re now ideally positioned to negotiate the optimal Private Bank mortgage for your specific circumstances.

    Here are a few of the reasons why our clients trust us with their Private Bank mortgage needs:

    Holistic Expertise

    From mortgage broking to wider financial planning, our consultants have a strong, holistic understanding of the financial markets. They’ll use this expertise to understand the nuances of your situation – and then tailor a Private Bank solution that works for you.


    We’re an independent, whole-of-market broker, with longstanding relationships with leading UK Private Banks and use over 175 different lenders. That means we’re optimally positioned to find the right mortgage solution for you.

    Quality Service

    With more than 1,700 5 star reviews, we offer an exceptional client experience. Your mortgage arrangements are handled by your dedicated consultant, allowing you to focus on your day-to-day, in the knowledge that your mortgage application is being managed proactively in order to meet important deadlines.

    Why use a Private Bank compared to a High Street Lender

    High street lenders tend not to have the underwriting expertise to offer large mortgages to clients who have complex financial affairs. High net worth individuals may encounter limitations on borrowing options due to the stringent eligibility criteria employed by high street banks when assessing affordability.

    For larger and more complex mortgage requirements, individuals may find a Private Bank mortgage offers a more suitable and flexible solution to satisfy their property needs. These banks adopt a more personalised approach by considering the client’s broader profile and can apply more flexibility when assessing a borrower’s ability to repay the loan. For example, they are able to factor in background liquid assets when assessing affordability.

    Not only are they beneficial in arranging competitive interest rates, but they also offer bespoke underwriting, efficient application processes and a tailored personal service to meet your needs. Every application is assessed on a case-by-case basis to ensure they can offer you a bespoke solution to suit your requirements and preferences.

    How do I arrange a Private Bank mortgage?

    When applying for a Private Bank mortgage, the process typically involves a personal meeting with a banker to discuss your plans, background, and financial situation. This comprehensive conversation allows the bank to also gather information on your income and assets.

    Private Bank lenders may have a minimum income or asset requirements for their clients to satisfy. Others may request a personal recommendation from an existing account holder or intermediary such as Private Finance. The specific criteria vary among lenders.

    Engaging in multiple introductions to find the right fit can be time-consuming and cumbersome. At Private Finance, we streamline the process and connect you with the Private Bank that offers the best-suited solution for your unique circumstances.

    Mortgage Tools and Resources

    With our online mortgage tools, find the information you need using our helpful guides, information on the best mortgage rates and handy mortgage calculators.

    Private Finance