High Net Worth Mortgages

For clients with significant wealth, standard mortgage options often fall short of expectations. High Net Worth mortgages are designed for individuals with complex financial profiles, large income or asset portfolios, and the need for a more bespoke approach. At WIS Mortgages, we provide access to lenders who specialise in mortgages for high net worth individuals—with no broker fees.

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Key Benefits

Tailored Lending Solutions:

Flexible underwriting for clients with unique income structures or international assets.

Large Loan Sizes:

Access to mortgages above £1 million or with higher income multiples.

Asset-Backed Lending:

Use investments, property portfolios, or business income to support your application.

Discreet, Specialist Support:

One-to-one guidance from advisers experienced in private and complex lending.

Fee-Free Advice:

We offer high-net-worth mortgage support without charging you a broker fee.

Eligibility Criteria and Requirements.

Who Can Apply?

You may be eligible if you:

Have a net annual income of £300,000+ or assets worth £3 million+
Require a large mortgage loan or bespoke repayment terms
Have non-standard income, such as bonuses, dividends, or international earnings
Prefer private banking-style service with tailored solutions

What are the Requirements?

Proof of income (including bonus/dividend statements or portfolio evidence)
Asset summary (property, savings, or investment holdings)
Bank statements (UK and/or international, depending on jurisdiction)
ID and address verification
Credit profile (where applicable)

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

Apply Now

Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

They are bespoke lending solutions for individuals with substantial income or assets, often used for large property purchases or refinancing complex portfolios.

No. Many lenders accept income from dividends, property, trusts, or international sources as part of their assessment.

Yes. High net worth clients may qualify for interest-only or part-and-part arrangements, subject to a viable repayment strategy.

Usually, yes—but private lenders may take a more flexible view depending on your asset base and profile.

Typically, someone with £3 million+ net assets or an annual income of £300,000+, but this varies by lender.

It really depends on the lender and their criteria

Absolutely. HNW lenders are used to dealing with bonuses, dividends, trusts, and international income streams.

Often, yes. These products are typically available for loans of £500,000 or more, though some start at £250,000.

Yes. Lenders often accept interest-only structures, especially when supported by significant assets or a clear repayment strategy.

Yes. Many HNW borrowers benefit from private banking relationships that provide tailored mortgage terms, including flexible repayment and cross-collateralisation.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone