Private Bank Mortgages
Million Plus Private Finance arranges bespoke mortgages with leading UK and international private banks. High-net-worth clients gain tailored lending for luxury properties, multi-property portfolios, and complex income scenarios. We provide discretion, speed, and expert structuring for private bank mortgages of £1 million and above.
Why Choose Million Plus For Your Private Bank Mortgage?
Private bank mortgages offer advantages beyond standard lenders, including flexibility, bespoke structuring, and access to competitive terms. Million Plus Private Finance specialises in presenting high-net-worth clients’ financial profiles, including complex income, multi-property holdings, and international assets, to private banks. Whether purchasing prime London properties, refinancing portfolios, or investing in international estates, we create lending solutions that reflect the client’s full financial capacity while preserving discretion and optimising cashflow through interest-only or hybrid repayment options.
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Share your details and our team will contact you promptly by phone or email. Our senior advisers provide expert guidance to structure private bank mortgage applications optimally for high-net-worth clients.
Million Plus Private Finance has extensive experience arranging private bank mortgages. We work with UK and international private banks to secure lending for clients with complex income, multi-property ownership, or international assets.
Applications are structured to highlight bonuses, dividends, retained profits, and business income, maximising borrowing potential. Interest-only and hybrid repayment structures provide flexibility, while our team manages all documentation, valuations, and lender negotiations.
Clients benefit from discretion, speed, and access to private banks and lending teams not typically accessible through retail mortgage channels. We coordinate legal, tax, and valuation requirements to ensure a smooth and efficient mortgage process. Each application is bespoke, reflecting the client’s overall wealth strategy and long-term financial objectives.
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Mortgage Closings
Private bank mortgages require specialised knowledge and strong lender relationships. Million Plus Private Finance evaluates all aspects of a client’s wealth, including irregular income, multi-property portfolios, and international holdings.
We structure applications to maximise lender confidence, presenting income from bonuses, dividends, carried interest, retained profits, and business earnings effectively. Multi-property portfolios and cross-border assets are taken into account to optimise borrowing and repayment options.
Flexible repayment structures, including interest-only and hybrid arrangements provide cashflow flexibility. Our team coordinates valuations, legal submissions, and lender negotiations for a seamless experience. Clients benefit from confidentiality, speed, and tailored mortgage solutions.
Monitoring market conditions allows us to advise on optimal rates and lender appetite. Private bank mortgages arranged by Million Plus Private Finnace ensure high-net-worth clients access competitive lending terms that align with broader financial objectives, whether purchasing London prime property, refinancing multiple assets, or acquiring international estates.
frequently asked questions
Mortgage Questions Answered
How do private bank mortgages differ from high street mortgages?
Private bank mortgages are bespoke lending solutions designed for high-net-worth clients with complex financial profiles. Unlike standard high street mortgages, private banks assess your full wealth picture, including investments, international assets, multiple income streams, and property portfolios. Million Plus Private Finance structures applications to highlight your overall financial strength, enabling access to higher loan amounts, flexible repayment options, and competitive rates that are not available from retail lenders. These mortgages are tailored, discreet, and often negotiated directly with relationship managers to suit both personal and business objectives.
Can I use complex income with a private bank mortgage?
Yes, complex income streams such as bonuses, dividends, carried interest, business profits, and international earnings can be included. Million Plus Private Finance presents these in a structured way to ensure private banks fully understand your affordability. By demonstrating consistent historical earnings and future potential, we can help clients secure lending that exceeds standard affordability models. This approach maximises borrowing capacity and allows private banks to offer more flexible repayment structures, including interest-only or hybrid options, tailored to long-term wealth planning.
How are private bank mortgage rates determined?
Private bank mortgage rates are assessed on a case-by-case basis rather than using publicly advertised rate cards. Rates are influenced by factors such as loan size, loan-to-value ratio, asset strength, income complexity, and the overall client relationship with the lender. Because private banks assess risk holistically, suitable clients may access competitive private bank mortgage rates that reflect their broader financial position.
Are private bank mortgage rates higher than high street mortgage rates?
Private bank mortgage rates are not always higher than high street rates and can be competitive for the right client profile. While bespoke lending may price differently due to flexibility or complexity, private banks often offer attractive rates for larger loans, lower LTVs, or clients with substantial assets. Million Plus Private Finance compares private bank solutions against specialist and alternative lenders to ensure the mortgage structure balances pricing, flexibility, and long-term value.
What is the difference between private banks and private mortgage companies?
Private banks are regulated financial institutions that provide bespoke lending as part of a wider private banking or wealth management relationship. Private mortgage companies, by contrast, are specialist or non-bank lenders focused primarily on property-backed lending. These lenders can offer greater flexibility in certain scenarios but may price loans differently depending on risk. Million Plus Private Finance works with both private banks and selected private mortgage companies, advising clients on the most appropriate option for their circumstances.
Can private mortgage companies be used for high-value property purchases?
Yes, private mortgage companies can be suitable for certain high-value or complex property transactions, particularly where speed, flexibility, or non-standard structures are required. They are often used for time-sensitive purchases, unconventional income profiles, or unique properties. Million Plus assesses whether a private bank or a private mortgage company is better suited to the transaction, ensuring the solution aligns with pricing expectations and long-term planning.
What are typical LTV and deposit requirements for private bank mortgages?
Loan-to-value ratios for private bank mortgages typically range from 60% to 75%, with select lenders occasionally offering higher LTVs for prime assets and exceptional client profiles. Deposits depend on the property, client profile, and lender requirements. Million Plus Private Finance advises clients on optimising deposit strategies, sometimes leveraging investment portfolios, securities, or multi-property equity to reduce upfront cash needs while maintaining access to the most competitive interest rates and lending terms.
Can expats secure private bank mortgages?
Yes, expats are often eligible for private bank mortgages, but cross-border lending requires specialist expertise. Million Plus structures applications that include overseas income, offshore holdings, and multi-currency assets to meet lender criteria. Our team ensures all documentation, such as foreign tax returns, payslips, or company accounts, is presented clearly to private banks. This approach allows expat clients to access competitive lending terms for UK or international properties while mitigating currency risk and maintaining discretion.
Are interest-only or hybrid repayment options available?
Yes, these flexible repayment options are widely offered by private banks to high-net-worth clients. Interest-only mortgages allow clients to keep monthly repayments low while retaining capital for investments or liquidity, whereas hybrid structures combine interest-only with partial capital repayment to provide flexibility and gradual debt reduction. Million Plus Private Finance advises clients on the most suitable structure based on income, cashflow, and long-term wealth planning, negotiating with private banks to implement bespoke solutions tailored to individual circumstances.
How quickly can a private bank mortgage close?
Private bank mortgages can often close more quickly than traditional retail mortgages, provided the application is well-prepared. Million Plus Private Finance coordinates directly with private banks, legal teams, and valuers to streamline the approval process. Depending on lender requirements and property complexity, approvals can often be achieved within a few weeks. Our advisers ensure every step, from documentation to lender presentation, is handled efficiently, discreetly, and in line with client timelines.
Does Million Plus Private Finance compare private bank mortgage rates across lenders?
Yes, Million Plus Private Finance reviews private bank mortgage rates across a range of UK and international private banks, as well as selected private mortgage companies where appropriate. As many private bank rates are negotiated rather than published, our role is to structure applications effectively and engage lenders aligned with each client’s financial profile, ensuring access to competitive pricing and bespoke terms.
exclusive marketplace
Luxury Real Estate
Finance Without Limits
From prime London properties to international estates, Million Plus Private Finance arranges and structures bespoke private bank mortgages. Our senior advisers provide flexible, confidential, and tailored lending solutions for high-net-worth clients, delivering terms beyond high street limits.
