Our Private Banking Services for High-Net-Worth Bank Accounts
We understand that wealth is more than a number—it’s about vision, legacy, and smart decision-making. Our Private Banking Services are built around one core principle: personalisation.
With access to an exclusive network of premier private banks and specialist institutions, we deliver bespoke solutions designed to work in harmony with your wider wealth strategy. Whether you’re expanding your real estate portfolio, leveraging assets, or planning for future generations, our role is to connect you with the right partners and structure the most effective financial solutions.
High Loan-to-Value Lending Solutions
Private banking isn’t just about access; it’s about flexibility. While most banks offer up to 50% Loan-to-Value (LTV) on large transactions, we’ve arranged private bank funding at up to 65% LTV for property purchases over £20 million.
For smaller loan sizes (typically up to £5 million), some private banks may offer up to 95% LTV, depending on your wider financial profile. These bespoke high-LTV solutions are ideal for clients who prefer not to liquidate existing investments or assets to raise a deposit, preserving long-term financial efficiency.
The £1-3 million range represents the core of the private banking market, but we excel in securing tailored funding up to £5 million.
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Our Bespoke Lending Solutions
We provide lending options that reflect the complexity of our clients’ financial lives. Whether you’re financing a luxury property, consolidating debt, or releasing capital, we align the lending structure with your overall wealth strategy.
Competitive, case-by-case rates
Loan terms structured to your liquidity profile
High-value mortgages and interest-only options
Solutions that take into account international income, trusts, and investment portfolios
2 year fixed rates
60 % LTV – 3.82% with no lender arrangement fee.
75% LTV – 3.92% with no lender arrangement fee.
For a personalised quote, including loans up to 95% LTV please contact us.
5 year fixed rates
– 60% LTV – 3.89% with no lender arrangement fee
– 75% LTV – 3.99% with no lender arrangement fee
For a personalised quote, including loans up to 95% LTV please contact us.
Higher LTV lending and larger loans
We can arrange loans up to 95% (without additional security) through private banks.
– 90% LTV – 4.79% 2 year fixed rate
– 95% LTV – 5.30% 2 year fixed rate
For loans in excess of £5m the standard deposit requirement is from 35%.
Bespoke pricing may be available on a case-by-case basis.
We Can Open Doors to Thousands of Mortgage Options
Purchase Products
Re-Mortgage Products
Mortgage Products with Private Banks
Personalised Wealth Management
Navigate your financial future with confidence. We can connect you with experienced private banking wealth managers who specialise in creating holistic strategies to grow and protect your wealth for generations. With their access to exclusive investment opportunities and expert guidance, you’ll be empowered to make decisions that align with your personal and professional ambitions.
Exclusive Investment Opportunities
We connect our clients with exclusive investment opportunities typically available through private banks and institutional channels. Drawing on our extensive network, we help clients access a diverse range of asset classes, including private equity, hedge funds, and real estate, aligned with their financial goals. While portfolio design and management are handled by specialist investment providers, we play a key role in guiding clients to the right solutions based on their overall wealth strategy and risk profile.
Dedicated Relationship Manager
Experience unparalleled personalised service. Your dedicated relationship manager is your trusted partner in all things financial. From strategic wealth planning to navigating complex investment decisions, they will be with you every step of the way to ensure your financial goals are met.
What Makes Our Private Banking Services Different?
We believe in the power of personalised relationships. Unlike large, impersonal banks, we focus on one-on-one service to provide bespoke banking and wealth management solutions that align with your unique aspirations.
- High-LTV Access: Lending beyond the usual limits, with bespoke structuring up to 95% LTV
- Discretion & Trust: Private, secure, and fully confidential services
- Tailored Wealth Planning: From legacy and tax planning to multi-generational strategies
- Exclusive Access: We open doors to financial solutions not available through traditional banking routes
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Creative Solutions for Property Transfers
Transfer from SPV to personal ownership At Orton Financial, we specialise in finding solutions for complex situations. One example involved a client who wanted to convert a previously rented property from their limited company (SPV) into their main residence. However,...
Trust in Orton
Our exclusive network, personalised service, and wealth management expertise distinguish us from ordinary financial institutions.
Here’s what sets us apart:
Tailored Solutions: Every service is crafted to meet the specific needs of high-net-worth individuals, ensuring your unique financial profile is always at the forefront.
Exclusive Access: We give you access to financial products and opportunities that are not available to the general public.
Trust & Discretion: Your financial privacy and security are of paramount importance. We maintain the highest standards of confidentiality in every aspect of our service.
Global Expertise: Whether your wealth is based locally or internationally, our team has solid relationships with wealth advisors who are experienced in handling cross-border financial planning, tax strategies, and more.
Ready for the Orton Difference?
Your wealth deserves the best. With us, you’ll receive the highest level of personal service and access to exclusive financial solutions that support your financial goals—now and in the future.
Let’s start a conversation today about how we can help you manage, grow, and protect your wealth.
FAQ
Who can benefit from Private Banking services?
Our services are designed for individuals with significant wealth, typically high-net-worth individuals with assets over £3 million or an annual income of £300,000+.