HNW Mortgages

Because every mortgage we offer is tailored, it is possible to arrange significant mortgages if you have a low income. We can also help you if you have insufficient provable income according to the lender's rules around affordability. Here, we will typically try and show that you own other assets that you could invest to create income, repay the loan, or give the lender background support to be comfortable with the credit risk. In these cases, we will typically be able to secure you a large mortgage even if you have little income.

We can also deploy other mechanisms. For example, pre-paying interest, releasing equity from your property to pay for the interest cover, or placing assets with the bank as additional security can all be used to create the correct mortgage solution for you.

We are uniquely positioned in the market. We have the track record and expertise to secure mortgages for high-net-worth individuals from all over the world. We can use your global assets as security, and we have the know-how to deal with any profile, ownership structure, situation or anything else that applies to your situation.

We can secure mortgages against property worldwide. Our track record and unparalleled access to more than 500 lenders means we will always be able to negotiate the best deal for you.  

Many UK high street lenders have departments that deal with high-net-worth individuals, and some offer special products if you fall into this category. Pricing is often competitive, but on the flip side, you may find that the criteria are rigid and inflexible. If you are looking for a high-net-worth mortgage with a high street lender, be prepared to go through the lender's "standard" application mortgage process – there are rarely alternative procedures for high-net-worth mortgage applicants. 

Private Banks can offer highly personalised and individually underwritten mortgages. Rates are calculated on a case-by-case basis, and the terms of a high-net-worth mortgage can be adapted to meet your requirements. The mortgage rate you are offered by a private bank will typically depend on several factors. Placing other assets with the bank for them to manage will usually result in a lower mortgage interest rate overall.

Some specialist lenders also cater to high-net-worth borrowers. These parties are often used for high loan-to-value properties and for other specialist parts of the market.

Finally, international lenders will enter the fold for very large mortgages and could be an option if your property or situation fits into this category. Such players will typically enter the high-net-worth mortgage space using lending to attract valuable clients.

For most people in the "standard" part of the mortgage market, purchasing a home is likely to be their single most significant investment. Their ability to buy will depend heavily on income and assets. 

If you are a high-net-worth individual, generally speaking, your financial situation may be a little more complex. For example, you may have significant assets and net worth but a comparatively limited cash flow. Alternatively, you may trade with your bonuses or future income and need a financial package that takes all of this into account. We are used to scenarios like these, and if your situation is similar, you know upfront that you require more than an "off-the-shelf" mortgage option. We help high-net-worth individuals negotiate the most competitive mortgage rates and terms, catering to your personal situation and financial landscape. 

The high-net-worth mortgage market may not have the breadth of the mass market, but the application process remains relatively similar. Before a mortgage can be arranged, you will need to confirm your income, assets and overall financial situation. Complex scenarios require bespoke mortgage solutions, and it's here in particular that Enness Mortgages can offer you valued assistance and guidance.

Our world-class team of industry experts have built relationships with different mortgage providers across the board. We have access to in-depth data, flexible lending when arranging high-net-worth mortgages and a reputation that opens doors for us and - by extension - for you. 

Enness' lending panel is completely unrestricted, allowing us to cater to you regardless of the details that can limit other mortgage brokers, like your nationality or political status. Even if you have an extremely complicated financial situation, we will be able to help you unpick troubled elements, refinance them and put everything back together on a firmer footing. We can also secure the use of a variety of different assets as collateral against high-net-worth mortgages.

For some individuals seeking a high-net-worth mortgage, there will be scenarios where a short-term solution is required to protect your assets which could be refinanced later. We often see assets such as fine art, classic cars, jewellery, gold, fine wine and antiques used as collateral when looking to secure high-value mortgages. Such solutions are one of a kind and are built around your unique scenario and situation. We can micromanage these unique solutions, significantly reducing your financial stress. 

Utilising existing assets to reduce short to medium term financial strain is easy in theory but not so easy in practice. We start by looking at the overall picture, taking into account your assets and liabilities before advising you on the best way forward. Whether you are looking to purchase a new property, refinance or restructure your assets, there are ways and means of doing this. Some may require "out-of-the-box thinking", bringing together various financial arrangements. We will play with multiple solutions and options to work out how we can best help you.