What is a private bank mortgage?

A private bank mortgage is typically offered as part of a wider relationship with a private bank, alongside other banking or wealth services, rather than as a standalone product.

Private banks often take a more holistic view of a client's assets, income structure and overall relationship value, rather than relying solely on standard affordability multiples.

This route isn't right — or available — for everyone. Where it may be appropriate, we can explore specialist and private-bank lending solutions as part of a wider search of the market.