Ultra-High Net Worth (U)HNW
We recognise that Ultra High Net Worth (HNW)/UHNW) clients require a different approach in considering the underwriting and lending process for their needs and objections. We can be creative in assessing affordability and loan amounts using the high-net-worth exemption. We consider HNW and UHNW clients to be those with net assets of up to and exceeding £25 million.
The FCA’s Mortgage Market Review was implemented several years ago alongside the High-Net-Worth Waiver, allowing higher net worth clients with an annual net income of £300,000 or net assets of £3 million to be assessed differently from the mainstream buyer.
We provide an exquisitely tailored service exclusive to the needs of HNW and UHNW individuals, their families and offices. We provide quintessential mortgage advice on residential, investment, commercial and construction finance and a range of bridging asset finance.
We can assist you with:
(U)HNW Residential Finance
Mortgages and financing range from £2 million and above for properties in the UK and certain foreign jurisdictions.
Commercial Finance
We provide structured debt solutions for private clients acquiring or refinancing commercial assets. We can cater for a range of commercial finance, including business loans for working capital, commercial finance for property development, commercial mortgages, commercial finance for care homes, Commercial Finance for HMOs, Hotel Financing and Agricultural Financing too.
Asset Finance
Specialist finance for non-property assets. We can source asset finance for new, used, and old auction bought items.
Asset Finance can be a suitable way to finance large purchases, including machinery for agricultural investments, for example, or to refinance available assets to free up capital for your business.