High Net Worth Mortgages

When it comes to property finance, one size does not fit all — especially for high-net-worth individuals. Traditional lenders often have rigid criteria that don’t reflect the complex income structures, international assets, and bespoke requirements of wealthy clients. That’s where High Net Worth Mortgages come in.

At Elite Intl Real Estate, we work with FCA-registered, whole-of-market brokers who specialise in arranging tailored mortgages for high-net-worth clients in the UK and overseas.

What is a High Net Worth Mortgage?

A High Net Worth Mortgage is a bespoke lending solution for individuals with significant income, wealth, or assets that may not fit into standard affordability assessments. Instead of applying rigid formulas, specialist lenders take a holistic view of your financial profile, considering income, investments, company structures, and global assets.

These mortgages are ideal for:

▪️Individuals with £3m+ in net assets, or
▪️An annual income of £300k+,
▪️Or those with complex, non-traditional income streams (bonuses, dividends, investment portfolios, trusts, or overseas income).

Why Standard Mortgages Don’t Always Work

High net worth individuals often:

▪️ Have income from multiple sources (salary, business dividends, trusts, global investments).
▪️ Prefer interest-only lending for flexibility and cash-flow management.
▪️ Purchase prime, super-prime, or international properties where standard lenders are limited.
▪️ Require larger loans (often £1m+).

A standard affordability calculator doesn’t capture this complexity, but specialist lenders do.

How Elite Intl Can Help

Through our network of private banks, specialist lenders, and FCA-regulated brokers, we can:

▪️ Arrange large mortgage loans (often £1m–£50m+)
▪️ Secure interest-only or bespoke repayment structures
▪️ Arrange foreign currency mortgages for international income
▪️ Structure mortgages for complex income streams
▪️ Source exclusive, discreet finance solutions unavailable on the high street
▪️ Offer guidance on tax-efficient structuring (in collaboration with your accountant or wealth manager)

Key Features of High Net Worth Mortgages

▪️ Borrow up to 85% LTV on high-value property (sometimes higher with private banks)
▪️ Interest-only or capital repayment options available
▪️ Loans starting at £1m, with no upper cap for the right profile
▪️ Available for residential, buy-to-let, or investment property
▪️ Specialist solutions for non-domiciled and international clients

Why Work With Elite Intl?

At Elite Intl Real Estate, we don’t just arrange mortgages; we provide a concierge-style service for high-net-worth clients.

▪️ Discretion & confidentiality – we work with complete privacy and professionalism
▪️ Whole-of-market access – including private banks and exclusive lenders
▪️ Tailored solutions – built around your financial profile and goals
▪️ Community & connections – we work alongside accountants, solicitors, and wealth managers to structure the right deal

You also don’t have to buy through Elite to access our high-net-worth mortgage service. Whether you’re purchasing through us, another agent, or off-market, our role is to secure the right finance for your needs.

Take the Next Step

If you’re a high-net-worth individual looking for property finance tailored to your lifestyle and goals, we can help.

 Call us on 0330 113 5535 or email info@eliteintlrealestate.com or use the form below to contact us today.

At Elite Intl Real Estate, we make high net worth mortgages flexible, discreet, and tailored to you.