Tailored Private Bank Mortgages.
When standard mortgage options don’t meet your needs, a private bank mortgage broker like Fox Davidson can unlock exclusive lending solutions for high-net-worth individuals (HNWIs). These bespoke mortgages offer substantial loans—starting at £1 million and up to £50 million+—with flexible terms tailored to your global assets and complex income.
To discuss your funding requirements call 02035195590 or email enquiry@foxdavidson.co.uk
What is a Private Bank Mortgage?
A private bank mortgage is a specialist lending product designed for HNWIs seeking loans above £1 million. Unlike high street banks, private banks use holistic underwriting, considering your worldwide assets, trust structures, and income sources. Typical loan-to-value (LTV) ratios reach up to 95%, with lending decisions made individually by a credit committee.Key Benefits
- Higher Lending Multiples: Up to 6-8x income, ideal for premium property purchases.
- Flexible Options: Interest-only mortgages and diverse repayment terms for cash flow management.
- Discretion: Confidential process with strict privacy protocols.
- Speed: Decisions in 2-4 weeks for straightforward cases.
Why Use a Private Bank Mortgage Broker?
Partnering with a private bank mortgage broker like Fox Davidson offers unmatched advantages. With 20+ years of experience and relationships with over 30 leading private banks (e.g., JPMorgan, UBS, Credit Suisse), we provide access to exclusive rates and terms unavailable directly. Our brokers navigate complex applications, match you with the ideal lender, and negotiate bespoke solutions, saving time and maximising approval odds. We ensure confidentiality with strict privacy protocols and deliver fast decisions (2-4 weeks), giving you a competitive edge in premium property markets.
How Private Bank Mortgages Work
The process begins with a consultation where our private bank mortgage brokers assess your financial profile—income, assets, and property goals. We strategically match you to suitable private banks, leveraging established relationships for direct access to decision-makers. Our holistic assessment considers global income and portfolios, structuring tailored terms (e.g., variable rates, offset facilities). We manage the application, negotiation, and completion, offering ongoing support.
Private Bank Mortgage Eligibility:
- Minimum loan: £1 million.
- Income > £300,000 or net assets > £3 million.
- Liquid assets: £250,000+.
- Clean credit history and UK residency (or international presence).
Types of Lending
- Residential: Finance homes (£1M-£25M+) or international properties.
- Investment: Buy-to-let or commercial portfolios.
- Specialist: Asset-backed or self-build mortgages.
FAQ’s
A private bank mortgage can take as little as 2 weeks to arrange. An initial meeting with a private banker can be facilitated in as little as a few days.
A private bank will require annual income of £300,000 to class as a high net worth individual, however, private banks welcome applications form clients with joint income above £200,000.
Yes, private banks are located across the UK and mortgages are secured on property throughout the UK.
A private bank mortgage is a bespoke lending product for loans above £1 million, tailored for HNWIs. Unlike standard mortgages, private banks assess global assets and complex income, offering up to 95% LTV and flexible terms, unlike the rigid criteria of high street lenders.
With 20+ years of relationships with over 30 banks, our private bank mortgage brokers match your profile, assets, income, and goals to the best lender, ensuring optimal terms and access to exclusive products.
Fees vary but may include arrangement fees (1-2% of the loan), valuation, and legal costs (£1,500-£3,000). Our brokers negotiate to minimise costs and provide a clear breakdown upfront.
Private banks and Fox Davidson adhere to strict GDPR and confidentiality protocols, ensuring your financial details remain secure—critical for high-profile clients.
Yes, private banks consider global assets (e.g. stocks, properties) typically up to 60% of their value, allowing you to leverage worldwide wealth without liquidation.
Contact Us
Secure your private bank mortgage with Fox Davidson. Contact a broker today to explore bespoke financing for your property goals.
Fox Davidson are a high net worth mortgage broker. We work with International clients and UK resident clients to secure funding on property in the UK. We can work by phone, email and video call. We have London & South West offices at which we can meet clients.
