High Net Worth Individuals
Expert mortgage advice for high net worth individuals with complex income or asset structures. We provide tailored solutions designed around your financial goals.
Specialist advice for complex finances
At Your Mortgage Room, we specialise in providing tailored mortgage solutions for high-net-worth individuals. Whether you're seeking a million-pound mortgage, an interest only mortgage or require bespoke structuring to suit a complex financial situation, our team is here to support you with professional, discreet and strategic advice.
Understanding high net worth mortgage needs
The Financial Conduct Authority (FCA) may define a high-net-worth individual as someone earning at least £300,000 annually or with net assets exceeding £3 million, though this can vary between lenders. High net worth clients typically present with strong credit profiles, substantial investable assets, diversified income streams, and large savings accounts but often require more flexible and nuanced lending solutions than those offered by high street lenders.
At Your Mortgage Room, our experienced team understand that conventional mortgage solutions don't always suit high-income individuals. We take the time to fully assess your needs, goals and circumstances, delivering custom advice that aligns with your wider financial strategy.
Why work with a high net worth mortgage broker?
Our role is to identify and arrange high value mortgages that reflect your personal and financial profile.
High net worth borrowers often:
-
Have significant investable assets or property portfolios
-
Rely on income from bonuses, dividends, or international sources
-
Require flexible terms, including interest only mortgages or extended mortgage terms
-
Need support in structuring finance across multiple assets or jurisdictions
We work closely with private banks, niche lenders and specialist divisions of mainstream banks to access mortgage products that aren't always publicly advertised. Whether you're looking to buy to let, refinance a high-value home, or finance a new acquisition, we can help you find a suitable structure for your loan.
Solutions for complex financial profiles
Unlike a standard mortgage journey, a high-net-worth mortgage requires strategic planning and expert knowledge. Your Mortgage Room provides access to solutions that consider:
-
Your full asset portfolio
-
Fluctuating income from business interests or investments
-
The impact of the bank rate on future repayments
-
Your wider financial planning and wealth management goals
We collaborate with wealth managers, accountants and solicitors where necessary to ensure your mortgage arrangement fits seamlessly into your overall financial strategy.
Borrowing options tailored to you
Regardless of if you're borrowing money against UK property or refinancing existing arrangements, we assist with:
-
Interest only mortgages with bespoke repayment structures
-
Large mortgages for prime residential or investment properties
-
Buy to let mortgages for high-value rental portfolios
-
Flexible terms based on non-standard income streams
Our advice includes helping you understand potential monthly costs and plan your cash flow accordingly. We also advise on how your credit cards, investments, and other liabilities might affect the mortgage amount you are eligible to borrow.
Experienced in the ultra-high net worth market
We regularly assist ultra-high net worth individuals with assets in excess of £20 million, including international clients, entrepreneurs and executives. These clients benefit from:
-
Discreet and confidential consultations
-
Access to exclusive mortgage products through private banking channels
-
Specialist advice on currency exposure, offshore income and global asset management
How we support you
We guide you through the full mortgage application process, ensuring you are only applying for products that genuinely suit your needs. As high-net-worth mortgage brokers, we anticipate lender requirements and prepare all supporting documents to ensure a smooth and timely approval.
Our expert brokers help you determine the right mortgage term, repayment method, and level of borrowing. We understand that flexibility is often key, and we’ll always consider the full picture, including your short- and long-term goals.
Why choose Your Mortgage Room?
-
Discreet, personalised service
-
Access to lenders specialising in high-net-worth finance
-
Skilled in structuring interest only and large mortgages
-
Trusted by clients across Brighton, East Sussex and beyond
-
Fully authorised and regulated by the Financial Conduct Authority
Whether you're purchasing a second residence, refinancing a million pound property, or planning future investments, our mortgage specialists will provide tailored solutions to help you navigate the mortgage market with confidence.
Speak to a specialist today
If you're seeking trusted guidance from experienced mortgage advisers, get in touch with Your Mortgage Room. As experts in mortgages for high-net-worth individuals, we’ll take the time to understand your needs and support you every step of the way.
We make the complex simple. Contact us today to begin your private consultation.
Your home may be repossessed if you do not keep up repayments on your mortgage.