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Private bank mortgages offer the ideal solution for High Net Worth individuals. This is because private banks assess every mortgage application on a case by case basis. The often complex income streams of High Net Worth individuals are not always conducive to high street lenders and therefore a private bank mortgage is often better aligned to this case.
Consider this case in which Articus Finance has successfully secured a large UK Private Bank Mortgage for a Foreign National in Switzerland.
If you are looking to secure a high-value loan with complex income or an extensive asset portfolio, a private bank could offer you the flexibility and bespoke approach to suit your circumstances.
Articus are completely whole of market and can therefore approach any lender/institution enabling us to secure bespoke private bank mortgages. Get in touch today.
A Private Bank mortgage is a home loan provided by exclusive financial institutions catering to high-net-worth individuals. Unlike regular mortgages offered by traditional lenders, Private Bank mortgages are tailored to meet the unique financial needs and preferences of affluent clients.
These mortgages often come with personalised terms, higher loan amounts, and a more flexible approach to underwriting.
Private Bank mortgages offer several advantages, including:
The difference with a private bank mortgage lender is that they are often prepared to be flexible on some of their criteria. A Private banker, for example, may be prepared to lend on higher risk properties if they are sure that the finance is there to fund the project or lend at a higher loan to value for the right client.
Such are the complexities that can be involved in high net worth individuals accessing large loans, it is often best to use an experienced mortgage broker to ensure that the application process is as comprehensive as possible.
The presentation of your case is paramount, the relationships we have with private banks and private bankers ensure that we can get the best deal for our clients, even if their situation is complex.
The short answer is no – read our case study as an example. Having said that, AUM is the main focus for private banks and private bankers meaning you will be required to bring AUM to access the best possible rates.
Similar to the rest of the private banking process, the amount of AUM (if any) needed to access a particular private bank varies.
Private bank mortgages will judge each application on its merits rather than following a strict criteria, or tick list, as many high street lenders tend to use. The complexity of high value mortgages and the income streams involved can lead to application difficulties. Using our industry leading mortgage brokers will give you access to the very best private lenders and very best private bank mortgage rates, as well as expertise in understanding your own individual situation and translating this into a successful application to our private bank network.
High street lenders tend not to have the underwriting expertise to offer large mortgages to clients who have complex financial affairs, so finding the right deal for your circumstances can be difficult. Private banks and private bankers will take into account many income streams and will not always look for a standard number of years of accounts or traditionally steady income streams.
Private mortgage banks can potentially offer large mortgages to high net worth individuals. They are also likely to offer better deals than high street lenders, with the emphasis very much on individual circumstances rather than to satisfy criteria. Private banks are also likely to offer a tailored service in the long term, meaning that there may be more flexibility.
In addition to access to large loans, you may also be considered for an interest-only loan, or be able to use multiple income streams to prove your eligibility for higher loan amounts during the mortgage application process. The private banking world is also able to work with you on a personal level, and are more likely to reach an agreement with you that is suitable to both parties.
The difference with a private bank mortgage lender is that they are often prepared to be flexible on some of their criteria. A Private banker, for example, may be prepared to lend on higher risk properties if they are sure that the finance is there to fund the project or lend at a higher loan to value for the right client.
Such are the complexities that can be involved in high net worth individuals accessing large loans, it is often best to use an experienced mortgage broker to ensure that the application process is as comprehensive as possible.
The presentation of your case is paramount, the relationships we have with private banks and private bankers ensure that we can get the best deal for our clients, even if their situation is complex.
The short answer is no – read our case study as an example. Having said that, AUM is the main focus for private banks and private bankers meaning you will be required to bring AUM to access the best possible rates.
Similar to the rest of the private banking process, the amount of AUM (if any) needed to access a particular private bank varies.
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.