HIGH NET WORTH MORTGAGES
For High Net Worth (HNW) Individuals with complex financial situations, Watts offers tailored mortgage solutions that cater to unique requirements. We understand the complexities of assisting clients with substantial assets, diverse income streams and international residency considerations.
At Watts, we pride ourselves on our comprehensive understanding of the unique financial landscapes faced by HNW individuals. Our tailored approach ensures that your mortgage solution aligns with your specific needs and objectives, providing you with the utmost confidence in your borrowing experience.
Our team is adept at evaluating intricate income profiles, including those derived from investments, business ownership, trusts and offshore holdings.
While conventional lending often focuses on salary levels, we recognise that HNW individuals may have lower incomes but substantial net worth. Our approach considers your overall financial strength, ensuring access to suitable mortgage products.
With our extensive lending panel, which includes Private Banks, we can facilitate substantial loan amounts, including interest only loans, that exceed the standard lending limits which are normally associated with High Street lenders.
Many HNW individuals have international financial interests, including offshore income and tax structures, foreign investments and non-UK residency. Many High Street lenders are reluctant to offer mortgages due to regulatory and currency risks. If you hold assets or maintain residency abroad, our team is well-versed in navigating the complexities associated with clients who have overseas connections.
High Net Worth lending often involves extensive criteria, ultimately requiring bespoke mortgage solutions. Our experienced professionals guide you through the process, ensuring a seamless and efficient experience.
MAKE AN ENQUIRY
If you’re a looking for a high net worth mortgage advice, contact Watts IFA today. Our expert team can help you secure the best mortgage based on your contracting status and financial situation.
Alistair Macarthur
Director of Mortgages at Watts
“Over the past 25 years of advising clients on their mortgages, I have helped countless HNW clients who I have been recommended to, as they have got nowhere with their existing broker or with lenders they have approached directly. It is about fully understanding the client’s financial position, talking to the correct lenders in the first place and in a lot instances, also being able to have ‘sensible, grown-up discussions’ with the Senior Underwriters themselves. Myself and the team at Watts would be delighted to assist HNW clients in securing the mortgage they are truly worthy of.”
With our extensive experience and access to a vast lender network, Watts Mortgage & Wealth Management Ltd is the ideal partner for contractors seeking a tailored mortgage solution. Contact us today, and let our dedicated advisers guide you through the process.
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Welcome to Watts!
Our friendly, knowledgeable and experienced team are here to help find the right mortgage and life insurance for you. We have helped thousands of clients, over 30 years buy their dream home and ensure their family is protected.
We are a family business and pride ourselves on our customer service. As an independent company, we can search from over 100 lenders and insurance companies to help you get the best deal.
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FAQs
A high-net-worth mortgage is a bespoke mortgage solution designed for individuals with significant wealth, often exceeding £1 million in assets or income. These mortgages cater to those with complex financial profiles, including business owners, investors, and professionals with variable earnings.
To qualify for a high net worth mortgage, you typically need to meet one of the following criteria:
- An annual income exceeding £300,000
- Net assets worth £3 million or more
- Complex income structures, such as self-employment, dividends, or international earnings
Lenders assess each application individually, focusing on your overall financial strength rather than just salary-based affordability.
The amount you can borrow depends on factors such as your income, assets, and lender’s criteria. Many high-net-worth lenders offer flexible terms, often exceeding the traditional income multiples of 4.5 to 5 times annual income. Some lenders also consider your overall wealth rather than just your earnings, allowing for significant borrowing potential.
While larger deposits (typically 20-40%) can secure more competitive interest rates, some lenders offer high loan-to-value (LTV) mortgages, even up to 90% for eligible borrowers. The deposit requirement depends on the lender’s risk assessment and your financial profile.
Unlike standard mortgage applications that focus on salaried income, high net worth mortgage lenders take a holistic view of your finances, considering:
- Salary & bonuses
- Dividends & retained profits (for business owners)
- Investment income (stocks, bonds, property portfolios)
- Trust funds & inheritance
- Foreign currency earnings
- Assets under management (AUM)
High net worth mortgages offer a tailored approach with several advantages:
- Flexible affordability assessments based on assets and wealth, not just income
- Customised mortgage terms to suit your financial goals
- Interest-only options for wealth preservation and investment strategies
- Access to private banks and specialist lenders offering exclusive mortgage rates
Yes, many lenders offer interest-only mortgages for high net worth individuals. These allow you to make lower monthly payments while using alternative repayment strategies, such as investments, bonuses, or asset liquidation. This structure is particularly useful for those with significant capital or investment portfolios.
Yes, many private banks and specialist lenders accommodate international income and multi-currency earnings. Lenders will assess foreign income stability, tax structures, and conversion risks to determine affordability.
Since high-net-worth individuals often have diverse income streams, lenders may require tailored documentation, including:
- Tax returns & audited accounts (if self-employed or a business owner)
- Investment portfolio statements
- Asset valuation reports
- Trust fund documentation (if applicable)
- Foreign income verification (if applicable)
Working with a specialist broker like Watts Mortgage & Wealth Management Ltd ensures a smooth process, as we help prepare and present your financial profile effectively to lenders.
High net worth mortgage applications require a bespoke approach. At Watts Mortgage & Wealth Management Ltd, we:
- Work with private banks and specialist lenders offering exclusive mortgage terms
- Understand complex income structures and present your finances effectively
- Negotiate flexible terms, including higher borrowing amounts and interest-only options
- Provide discreet and personalised service tailored to your unique financial situation
Navigating the high net worth mortgage market requires expertise and access to the right lenders. At Watts Mortgage & Wealth Management Ltd, we provide a personalised service to secure the best mortgage terms for your unique financial situation.
Contact us today to discuss your mortgage options and unlock bespoke lending solutions.
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I just wanted to say a massive thank you for your assistance in my purchase. I would like to place on record my appreciation of the professionalism and tenacity of Emma. She has kept me fully updated in terms of progress and answered all of my questions in a timely manner. Great service and hope we can do business again in the future.
A. Henshall
