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High Net Worth individuals should have very few issues in accessing a loan from HNW mortgage lenders. However, many High Net Worth individuals have complex income streams that many high street lenders cannot factor into their risk calculation. HNW individuals are also often looking for a tailored approach to the mortgages that they can access, which cannot always be provided via a high street lender.
As a High Net Worth individual, it is more likely that you have a complex financial situation and are therefore likely to require a more bespoke mortgage arrangement. High Net Worth Mortgages obviously need to suit you as an applicant but in spite of your income, you still need to satisfy the lender that you can fully repay the loan. These specialised mortgages often need greater flexibility as they are a significant financial transaction, requiring extensive proof of ability to repay.
If you’re an HNW client interested in investing in the UK property market, download our guide specifically designed for High-Net-Worth individuals.
A high net worth individual is someone who has a personal income of more than £300,000 or has liquid assets of more than £3,000,000.
If this reflects your personal situation, the private lenders that we partner with are legally able to apply less stringent regulations towards the income streams of high net worth customers, something which is not applicable to high street lenders. This provides much more flexibility, as it is easier to prove that you have the necessary means in place to pay off the loan in full. They may also consider more preferential rates as your financial situation is likely to be of interest. You are a highly desirable client and so as long as you can accurately prove your net worth and income and make a comprehensive application, you are likely able to get a mortgage deal that works for you.
As a high net worth mortgage, dealing with significant financial amounts, it is often the case that private banks and personal finance outlets are likely to be a better fit for this type of mortgage.
When trying to access a mortgage from a high street lender, it is often focused solely on income alone. As a high-net-worth individual, you may not have a ‘regular’ income or have adequate cash flow. Your worth may be tied into assets or be based upon your investments, shares or bonds. It is therefore more difficult to ‘prove’ your income and show that you have the means to repay the loan.
Articus Finance works with high net worth clients from a range of different scenarios and jurisdictions. We understand, therefore, that you are likely to be looking for support in obtaining the mortgage that you need and tying all your assets together. We work for our clients, using a bespoke approach to ensure that we obtain the best mortgage for your needs.
These types of mortgages are very much ‘bespoke’, meaning each product and solution we secure for our clients are unique and individually negotiated. However, we can separate the institutions that we will approach on your behalf to give you an idea of how much it will cost you to secure a High-Net-Worth mortgage:
The process of arranging a High-Net-Worth mortgage for a High Net Worth Individual is relatively similar to your traditional lenders. You will be required to have a fee-free conversation with one of our industry leading brokers who will discuss your current situation and plans. This will include details on worldwide income, worldwide assets and liabilities.
Articus Finance is a whole of market brokerage, meaning our brokers can approach any lender or institution, giving our clients complete flexibility whilst allowing us to tailor our advice around your specific situation.
Articus Finance is a boutique mortgage broker based in London,
we find creative solutions for High Net Worth individuals who require financing on their worldwide assets.
Articus Finance is a boutique mortgage broker based in London,
we find creative solutions for High Net Worth individuals who require financing on their worldwide assets.
Whether you’d like to make a finance enquiry or simply have
a question about our services, we’re on hand to help.
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Harry has over 16 years of experience within the Finance, Housing and Development sector. He started off his career as a CIMA Qualified Chartered Accountant and transitioned over to financial services in 2019. During this time he has dealt with a range of complex financial arrangements from ex pat mortgages to large development loans. Harry has a can do attitude and believes there’s a solution to every situation and will work tirelessly to ensure your deal crosses the line. In his spare time Harry likes to play poker, travel and try new cuisines.
Carolina is a multilingual Marketing Manager originally from Portugal. She specialises in International Marketing and Business, helping organisations expand their brand awareness globally over the last 4 years. Her past work includes supporting start-ups to multinational companies in the UK and across Europe. She is a creative and passionate individual, bringing a fresh perspective to the financial industry and delivering high quality research.
In her spare time, Carolina enjoys socialising & travelling around the world, embracing different cultures and experiences.
Antonia brings fantastic planning, organisational and time management skills to her role as office manager, ensuring that operations at Articus run smoothly. An experienced administrator with fantastic problem solving skills, Antonia began her career working in medical administration, so she is highly experienced working with confidential client data.
Matthew has experience working as a mortgage administrator and assisting with clients of any calibre. His main strength is his ability to develop a close relationship to his brokers and clients, allowing for a smooth transition throughout your mortgage journey, his friendly nature helps in making the process a lot less intimidating than it needs to be. Outside of work Matthew spends his time playing Chess and exploring the world with his Girlfriend.
Theo started his journey in the specialist finance industry while working as a journalist at an industry trade magazine. During this time he amassed a great knowledge of mortgages, bridging, development and commercial funding and established a wealth of relationships in the industry. He transferred these skills and now specialises in assisting clients with their specialist finance requirements. Working alongside the CEO, Theo has learnt the nuances of ultra-complex transactions and knows how to most efficiently manage the funding process to completion. Theo aims to achieve the best solution for every client he deals with a particular focus on sourcing funding for developments and refurbishment.
With over 20 years of financial services experience Dino is an accomplished mortgage adviser who relishes the more complex cases, enjoys a challenge and always does everything he can to ensure his clients not only get the result they need but to achieve their property goals. A fully qualified financial adviser Dino quickly realised that property and mortgages were his passion and over the years gained his experience helping investors build their property portfolios. When not working Dino enjoys spending time with his family, loves modern and classic performance cars, popular culture, technology, mountain biking and is a supporter of West Ham United.
Whether you require access to bespoke funding, or need to fund a project of any scale, Samuel will always find a solution to meet the requirements of any client. No matter how complex your case is, through his innovative and determined nature, he can find a structure to finance a client’s plans. As a trained martial artist, Samuel’s passion and confidence carries over into the workplace, and you can expect a clear and concise transaction journey from start to finish.
Jason started in 2012 in financial services working across London’s property and financial services markets for HNW individuals. He is able to construct tailor-made solutions to suit his client’s needs, no matter how complicated. He has completed multi-million pound residential, buy to let and commercial developments across the UK. Jason is a confident and motivated individual whom takes pride in offering an exceptional and professional level of service to all of his clients. Outside of work he enjoys hiking, cycling and traveling the world with his sights set on Base Camp Everest.
Assad prides himself on being open minded and thinking outside the box. Through a personalised approach and consistent communication; Assad’s strong relationships with specialist lenders gives him the ability to reach the ideal outcome for his clients. With a particular strength in dealing with foreign nationals and ex-pats he approaches his clients with a can-do attitude. His attention to detail allows him to actively support his clients and build a long-term relationship by giving a truly tailored approach. Outside of work, Assad is a keen explorer and foodie, regularly travelling to remote destinations and testing out the local cuisines.
Shyan is a global businessman with keen commercial acumen and a deep understanding of the UK property market. Following the successful completion of an undergraduate and postgraduate degree in Mathematics from King’s College London, Shyan has held a range of highly strategic roles, with a focus on UK property investment – meaning he is well versed in the world of HNW property finance. Not only is he an experienced UK landlord, he has an impressive history in the world of property trading, and has played a pivotal role in the completion of a number of large scale development projects with values up to £30 million.
Ollie entered the world of high net worth mortgages after living in Geneva, where he provided tailored financial advice to private clients. This experience shaped his career trajectory, giving him first-hand experience in understanding and communicating the benefits of financial advice – all while developing the ability to build exceptional client relationships. Following this, Ollie moved back to London where he began specialising in mortgages. His drive, ambition and natural flair for anticipating the needs of his clients led him to progress quickly from Client Services to broker, where he honed his skillset after passing his CeMap exams. Outside of work, Ollie is an avid traveller – and an equally keen supporter of his local club, Fulham FC.
Antonio has over a decade’s experience arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking. As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.
Antonio started in financial services in 2006, arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking.
As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.