How do high-net-worth mortgages work?

High-net-worth mortgages tend to involve more complex income (multiple sources, dividends, carried interest, business ownership) or substantial assets that don't fit neatly into a standard affordability calculation.

Rather than a single multiple of salary, lenders in this space often look at the wider picture — assets, income structure and the specific borrowing requirement together.

We can't guarantee access to any particular lender or private bank, but we can have an honest conversation about what's realistic and explore appropriate routes where they exist.