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What is a High Net Worth Mortgage?
High net worth mortgages are tailored lending solutions designed for individuals with substantial income or significant assets. These bespoke arrangements provide greater flexibility than standard mortgages and are specifically structured to meet the complex financial needs of high net worth clients.
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What is a High Net Worth Individual?
A high net worth individual (HNWI) is defined by the Financial Conduct Authority (FCA) as someone with an annual net income of at least £300,000 or net assets of £3 million or more.
These figures must apply to you as an individual—not shared with a partner—and your assets should be reasonably liquid, meaning they can be converted into cash quickly and easily.
Bespoke Solutions
If you fall into this category, your financial circumstances likely require a tailored approach when it comes to borrowing. At Alexanders FA, our experienced high net worth mortgage advisers specialise in finding bespoke lending solutions designed around your unique situation, no matter how complex it may be.
Traditional mortgage
Traditional mortgage providers often aren’t equipped to handle the intricacies of a high net worth profile.
Your income may stem from multiple or non-traditional sources—such as business profits, investment returns, or property portfolios—and your assets might span luxury vehicles, art collections, or global real estate.
Mainstream lenders tend to follow rigid affordability criteria and standardised processes, making it difficult to get the flexibility or understanding your situation demands. That’s why it’s essential to work with brokers who specialise in high net worth cases—and have the lender relationships to match.
How Alexanders FA Can Help
Exclusive Access to Private & Specialist Lenders
Many private banks and bespoke lenders operate strictly by referral and don’t deal with clients directly. At Alexanders FA, we’ve cultivated long-standing relationships with private banks, family offices, and specialist lenders, giving our clients direct access to tailored solutions not available on the high street.
Bespoke Mortgage Solutions
We understand that time-sensitive decisions, complex income structures, and high-value assets require a personalised approach. Whether you’re purchasing a primary residence, investing in property, or financing against assets such as SIPPs, investment portfolios, artwork, yachts, or aircraft, we have the expertise to help.
We also assist with structured finance for development projects, commercial ventures, and trust-based arrangements, ensuring your mortgage aligns seamlessly with your broader financial goals.
Speak to alexanders fa’s high net worth mortgage experts today to explore a tailored lending solution that’s built around your world.
Do I Need to Be a UK Resident to Qualify?
Not at all.
Whether you’re a foreign national, a non-UK resident, an expatriate, or a UK resident with overseas income, alexanders fa can help. We work with a wide network of private banks and specialist lenders who cater to global clients and understand cross-border financial structures.
We also assist with structured finance for development projects, commercial ventures, and trust-based arrangements, ensuring your mortgage aligns seamlessly with your broader financial goals.
Speak to alexanders fa’s high net worth mortgage experts today to explore a tailored lending solution that’s built around your world.
Why Might You Take Out a Mortgage as a High Net Worth Individual?
Even with substantial wealth, there are many reasons why taking out a mortgage might make strategic sense:
Wealth Tied In Assets
Your wealth is tied up in assets rather than cash
Keep Capital Liquid
You prefer to keep capital liquid for future investment opportunities
Irregular Income
You have an irregular or deferred income (e.g., bonuses, dividends, or profit distributions)
Property Investment
You’re purchasing residential or commercial property as part of a long-term wealth-building strategy
Tax Planning
You’re exploring tax planning opportunities or aiming to protect other investments
How does Alexanders FA work?
At Alexanders FA, we simplify the home-buying process with expert guidance, ensuring you receive professional support every step of the way.
As an award-winning broker, we offer free mortgage and protection advice tailored to both first-time buyers and seasoned investors. Trust Alexanders FA for a smooth, stress-free home-buying experience.
1
Free Initial Consultation
We’ll review your current circumstances and property goals, evaluating your borrowing capacity to help identify the most suitable mortgage lenders.
2
Agreement in Principle (AIP)
An AIP provides an estimate of your borrowing power. With this in hand, you can confidently explore properties within your budget and make informed offers.
3
Personalised Mortgage Guidance
After your offer is accepted, we recommend the most suitable lenders and mortgage products. We manage every detail of your mortgage application to ensure a seamless experience.
Reviews
A Genuine Five-Star Experience.
We wouldn’t be where we are without our incredible clients. We take pride in building genuine, one-on-one relationships, offering tailored mortgage advice that suits each individual’s needs.
Jasmine Brown
Allen Whittell
