High Net Worth Mortgages
We’ve spent years perfecting the art of securing tailored mortgage solutions for high-net-worth individuals. Our expertise lies in crafting bespoke high-net-worth mortgages that align perfectly with your unique financial landscape. By leveraging our exclusive network of private banks and specialist lenders, we deliver competitive and flexible mortgage products that go beyond the ordinary. Experience a truly hands-off journey from start to finish, backed by unparalleled professionalism, care, and expertise.
Have You Considered a HNW Mortgage?
Our high-net-worth mortgage services are perfect for:
- Business owners
- Investors
- High-earning professionals
- Property developers
- Expats or foreign nationals
- Individuals with complex wealth structures
- Those looking to secure luxury properties or expand portfolios
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Our Tailored HNW Mortgage Services
We offer a range of exclusive mortgage solutions designed to meet the sophisticated financial needs of high-net-worth individuals. With access to private lenders and bespoke services, we help you navigate the complexities of securing financing for luxury properties, investments, and more.
Unlike traditional lenders, we work with a network of private institutions that provide more flexible, sophisticated, and tailored mortgage options. Through these partnerships, we can offer:
- Higher Loan-to-Value (LTV) Ratios
- Lower Interest Rates
- Exclusive Products designed for affluent clients, giving you more flexibility in your financial decisions
Bespoke Mortgage Solutions
Your financial situation is unique. We create customised mortgage plans based on your goals, whether it’s for:
- Luxury Property Purchases
- Real Estate Investments
- Refinancing
Our expert brokers are dedicated to ensuring that your mortgage terms align perfectly with your broader financial strategy, giving you access to the best rates and flexible options.
Explore your options:
Lombard Loans (Securities-Based Lending)
Unlock liquidity without liquidating your investments! Lombard loans allow you to borrow against the value of your investment portfolio, including:
- Stocks
- Bonds
- Other Assets
This is ideal for clients with large portfolios seeking access to significant capital while preserving their wealth.
We also offer a similar solution that does not require your assets to be under management. The principles are the same as Lombard loans; however, this option allows for current wealth relationships to remain. Speak to us today to see how this could work for you.
Non-Standard Income Solutions
If your income doesn’t fit traditional structures, we can still help. We work with:
- Self-Employed Professionals
- Business Owners and Entrepreneurs
- International Earners with Foreign Income
- Property Investors with Rental Income
- Directors and Shareholders with Variable Income
We’ll work with your unique financial situation to find the right mortgage product.
High-Value Interest-Only Mortgages
Maintain liquidity and enjoy flexibility with interest-only mortgages, where you only pay interest for the duration of the loan. This structure is ideal for financing:
- High-Value Properties
These mortgages offer manageable monthly payments, and clients typically plan to pay down the principal through investments or the sale of the property.
Multi-Million-Pound Mortgages
For large-scale financing needs, our expertise in multi-million-pound mortgages is unmatched. We handle complex ownership structures, including:
- Family Trusts
- Offshore Accounts
Our team will guide you through the process and ensure you receive competitive terms while aligning with your overall wealth strategy.
Private Bank Mortgages
The Application Process
The application process is streamlined for your convenience:
1. Eligibility Check
2. Mortgage Calculators
Using our tools, we estimate your borrowing capacity and potential mortgage options.
3. Agreement in Principle
4. Appointment
Understanding Your High-Net-Worth Mortgage
High-net-worth mortgages are not just financial products; they’re sophisticated tools designed for individuals with substantial wealth. These bespoke solutions cater to clients with complex financial profiles, encompassing diverse assets and non-traditional income sources. Our expert brokers excel in navigating the intricacies of high-net-worth mortgages, working in harmony with private banks and specialist lenders to secure terms that complement your financial aspirations.
Are You a High-Net-Worth Client?
The Financial Conduct Authority (FCA) defines a high-net-worth individual as someone with a significant wealth portfolio, often with net assets of £3 million or an annual income of £300,000 or more.
Your Financial Needs
High-net-worth individuals often have more complex financial needs, requiring mortgage solutions that align with their wealth structures and investment goals. These needs may involve large property acquisitions, leveraging wealth for further investments, or seeking flexible repayment options that fit within an intricate financial strategy.
Your Source of Income
For high-net-worth clients, income sources often extend beyond regular salaries. Business ownership, investments, and international earnings are common, requiring mortgage lenders to assess these non-standard income streams when determining loan eligibility.
We specialise in assessing:
- Entrepreneurial ventures
- Investment portfolios
- International earnings
Why High-Net-Worth Individuals Utilise HNW Mortgages
High-net-worth mortgages are used for various reasons, including:
- To acquire high-value properties or luxury estates
- Financing a portfolio of real estate investments
- Leverage wealth without selling assets
- Property development and expansion of property portfolios
- Refinancing existing loans to access better terms
- Financing against non-liquid assets (businesses, investments)
Case Study: £20 Million Purchase
How You Can Benefit from Our Mortgage Services
We offer a full range of bespoke mortgage services, including:
Access to an exclusive network of private banks and lenders
Tailored loan-to-value ratios and flexible repayment options
Expertise in handling complex income structures (e.g., self-employed, business owners)
Support for international clients and foreign currency income
Interest-only and capital repayment options
Expert negotiation to secure the most competitive rates
Full management of the application process from start to finish
Explore Our High Net Worth Mortgage Case Studies
Every high net worth client has unique financial circumstances—and that’s where our expertise comes in. From securing multi-million-pound mortgages for luxury properties in London to unlocking equity for overseas investments, we’ve helped clients achieve their goals with bespoke lending solutions.
Trust in Orton
With years of experience, we have built a reputation for delivering high-quality mortgage solutions to high-net-worth clients.
Our bespoke service offers:
- Access to a wide network of private banks and lenders
- Expertise in complex income structures and financial profiles
- A personalised, hands-off service from start to finish
- Competitive rates and flexible terms
- Support for international clients and non-traditional income sources
Ready to Secure Your High Net Worth Mortgage?
Our specialist high-net-worth mortgage brokers provide the right solutions tailored to your unique financial profile. Whether you’re purchasing a multi-million-pound property, refinancing, or releasing equity, we work with private banks and specialist lenders to secure the most competitive terms.
