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High Net Worth Individuals

The FCA defines a high net worth individual as someone who has an annual net income of at least £300,000 a year or whose net assets are over £3 million, although there is no set definition in the UK. High-net-worth mortgage clients are typically defined by having a robust financial profile marked by characteristics such as a substantial income that is well above average, assets which can serve as collateral or sources of income, large savings and a low debt-to-income ratio. High-net-worth clients often have a history of secure employment or successful business ownership and excellent credit scores, which enhances the likelihood of securing a mortgage at a competitive rate. 

For high-net-worth clients, seeking expert advice is vital, when it comes to intricate financial needs like mortgages. At Your Mortgage Room, our dedicated team understands the unique complexities faced by high-net-worth clients, from managing diverse assets to optimising tax strategies and navigating intricate financial structures.


We ensure that our high-net-worth clients benefit from our expertise in tailoring mortgage solutions to their specific financial goals, whether it involves acquiring multiple properties, leveraging investments, or structuring loans for tax efficiency. 

We have cultivated strong relationships with lenders experienced in serving high-net-worth clients, ensuring bespoke solutions to accommodate the specific needs of each client’s financial profile. Our team ensures that our clients can make well-informed decisions to safeguard and grow their wealth, whilst providing reassurance throughout the mortgage process. 

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