What Are High-Net-Worth Mortgages?
A high-net-worth mortgage is a home mortgage for somebody who earns an annual net income of £300,000+ or net assets of £3 million+, according to the Financial Conduct Authority (FCA). In the UK, these earners are considered high-net-worth individuals.
Given their complex assets and incomes, affluent borrowers qualify for the most favourable rates and loan packages from lenders seeking their business.
Here at Agentis, we are a qualified mortgage broker, so we may require additional documentation and verification of assets to assess the borrower’s creditworthiness. This can include detailed financial statements, tax returns, and proof of substantial assets or investments.
This type of mortgage also allows non-UK residents to get financing for buying property in the UK. Non-UK residents must show proof of income, assets, and a good credit history.
Expat mortgages are available for people living abroad and are designed for complex financial portfolios that cover expenses for buying luxury properties, refinancing, and other financial needs.
Whole of Market Access
Below are some of the lenders we deal with, however we have access to the whole of the market, including exclusive deals that you won’t be able to find yourself.
Why do you need a High-Net-Worth Mortgage Specialist?
A high-net-worth mortgage specialist has the knowledge and experience to meet the unique lending needs of wealthy borrowers. They have relationships with exclusive lenders and can source loans for large financing amounts.
We understand how to structure loans for borrowers with complex incomes. A specialist will save you time by managing the loan process, advising on optimal programs and terms, and negotiating favourable interest rates.
Partnering with one of our specialists ensures your financing needs are met smoothly and efficiently.
Why do you Need a High-Net-Worth Mortgage Specialist?
When it comes to securing a mortgage for a high-net-worth individual, it is crucial to work with a specialist who understands the unique financial needs and complexities of this demographic. A specialist has the expertise and experience to navigate the intricate financial landscape that comes with significant assets and investments.
By working with a specialist like Agentis, you can rest assured that you are receiving the highest level of service and expertise to help you achieve your financial goals.
Contact us today to speak to one of our specialist mortgage advisors.
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What Our Customers Think
Timothy Lawrie2024-04-18I cannot praise Agentis highly enough. Service above and beyond, all done with understanding and friendly know how. AmazingAsher2024-04-18We have just received a mortgage offer on our first property & had the pleasure of Ash Hinds being our mortgage advisor. Ash was very helpful throughout the whole process & was never too busy to answer a query or concern, going over and beyond. As first time buyers we did need a lot of stuff explained to us & Ash was more then happy to do that & make sure we understood the pros & cons of different options. I would definitely recommend Ash to anyone who needs a Mortgage Advisor 5 star service!Sarah Worsley2024-04-17Ash is a fantastic broker, who empathised with my unique situation and was very supportive and encouraging. He secured a very good deal for us, and was always there to answer questions. I would highly recommend him!Agne Rusalovskytė2024-04-15Adam was very helpful as always.Jonathan Knox2024-04-15I recently had the pleasure of working with Josh at Agentis for my remortagage, and I couldn't be more impressed with the service I received. From start to finish, the entire process was smooth, efficient, and incredibly quick. Josh's expertise and professionalism were evident from our very first interaction. He took the time to understand my financial situation and goals, providing personalized guidance every step of the way. His knowledge of the mortgage industry ensured that I got the best possible deal tailored to my needs. What truly stood out to me was the speed at which Josh worked. Despite the complexities involved in securing a mortgage, he made the process seem effortless. Communication was prompt and clear, and I always felt informed and supported throughout. If you're looking for a mortgage broker who is efficient, knowledgeable, and committed to providing exceptional service, look no further than Josh at Agentis. You won't be disappointed. Thank-you.Bob Green2024-04-08Lee was great to work with, always keeping us updated and available whenever we needed. Lee often provided updates before our solicitors and estate agents. He was very knowledgeable and helped explain all steps of the process. I would 100% recommend both Lee and Agentis.Johnsy Raju2024-04-06Caren arranged our first mortgage, and she was fantastic with us! She demystified the entire house buying process for us, which can be a minefield. Caren helped us know how much we could spend on a home and how much of a mortgage we could afford, and achieve. She was able to give us a step-by-step plan, which really helped ease our anxiety. Caren also looked through home reports of homes we were looking into, to let us know of any issues that we might run into - this is very helpful, as the language can be impenetrable! We would recommend anyone looking to buy a home contacting Caren first. Thank you soomuch Caren @agentis for the wonderful help.Nesta2024-04-03We had Adam Long as our mortgage broker. He was amazing from start to finish throughout the entire process. Very good at explaining the whole process, very knowledgeable and professional. We couldn’t recommend a better mortgage advisor! Thanks Adam!Adrian Woolley2024-04-03Caren was informative, contactable and managed to get a mortgage when I feared I couldn’t. Thank you.Jodie Tyers2024-03-27Anton Sgroni was absolutely amazing at sorting out our remortgage. Any problems he sorted out straight away and was able to keep us updated along the way. This is the third time we have used Agentis and we can not fault them! Always a great service and lots of helpful advice and information is provided to get the best deal
High-Net-Worth Exemption Mortgages
Our high-net-worth exemption mortgages offer unique benefits and personalised services tailored to meet the specific financial needs and goals of wealthy individuals.
Non-Standard Income
We specialise in effectively managing intricate applications for clients who do not fit within the conventional criteria, such as individuals with non-standard income or multiple income streams.
High Value Interest-Only Mortgages
High value interest-only mortgages offer enhanced flexibility to clients who meet specific criteria, resulting in reduced monthly mortgage repayments. This alternative can be deemed appropriate for individuals whose income is anticipated to experience growth in the immediate future.
Multi-Million-Pound Mortgages
With the presence of stringent lending criteria and the intricacies of financial structures, successfully manoeuvring through the realm of high-value mortgages necessitates a profound level of expertise and specialised knowledge. Moreover, the acquisition of multi-million-pound options may require the coordination of multiple parties.
Private Bank Mortgages
Private banks offer customised solutions and personalised underwriting services for their clients. They make sure to meet all of their client’s needs precisely. Private banks also provide banking and wealth management services that complement their client’s needs and can be easily integrated into their overall mortgage solution.
Frequently Asked Questions
We’ve answered the most common questions below. If you need further help, don’t hesitate to get in touch with us.
How long does it take to get approved for a high-net-worth mortgage?
The approval process can take longer than for a traditional mortgage, typically 4–8 weeks.
What are the interest rates on high-net-worth mortgages?
Interest rates vary depending on the lender, loan amount, and applicant’s financial profile. Rates are generally lower than traditional mortgages but may be higher than private banking options.
Can I use a high-net-worth mortgage to purchase any type of property?
Yes, they can be used to purchase a variety of properties, including homes, investment properties, and commercial properties.
How Can Agentis Financial Help You?
Agentis is the trusted mortgage broker in Peterborough, for first-time buyers in the UK. Whether you want to learn more about different types of mortgages for first-time buyers or government-backed schemes, we’re the name you can trust for professional, Whole of Market mortgage advice.
When you sit down with one of our first-time buyer mortgage advisers, you’ll be encouraged to put down between a 5-20% deposit on your home. We recommend putting more than 5% down on your property, so you can enjoy a cheaper interest rate on your mortgage payments. To apply for a mortgage, you’ll need to prove to a lender that you can afford and continually make monthly mortgage payments even if interest rates rise or the unexpected happens. Contact us with any questions or concerns and let’s get the conversation started today. We can help you save money as a first-time buyer!
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