High Net Worth Mortgages
High Net Worth and Large Loan Mortgages
Complex income, large loans or significant assets often need a lender that looks beyond standard calculators. Private banks and specialist lenders can take a more personal view. Here is how it works.
★★★★★ Helping clients across Scotland with larger and more complex mortgages. Rated 5 stars by 235+ clients on Google.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Client Reviews
What Our Clients Say
"We remortgaged with Tony and as always it was a simple smooth process! He explains everything well and is very knowledgeable, honestly wouldn't go anywhere else for mortgage advice! Thanks again ☺️"
Remortgage Customer
"We got recommended Tony from a friend and from start to finish he has made myself and my husband feel at ease with the whole process. Nothing was too much for him or Katie and no question was too silly either. Would highly recommend them to anyone looking for any help."
Mortgage Customer
"I cannot recommend Tony and Katie highly enough. The service has been impeccable, making a potentially stressful and daunting process, seamless. Communication was effective and efficient, which is key in dealing with such a daunting process. You have a lifelong customer here."
Mortgage Customer
How It Works
Lenders Look at the Whole Picture
For larger or more complex cases, some lenders assess your wealth and income in a more flexible way.
- ✓Complex income: bonuses, dividends, overseas or trust income
- ✓Assets: investments and property can support an application
- ✓Interest only: often available with a clear repayment plan
- ✓Manual underwriting: a person, not just a computer, reviews your case
How We Help
How We Handle Larger Cases
Five steps.
Understand Your Goals
Purchase, remortgage, portfolio or something else.
Pull Your Finances Together
Income, assets and liabilities in one place.
Approach the Right Lenders
Including specialist and private lenders where appropriate.
Present Your Case
A clear story helps underwriters say yes.
Review Regularly
Larger loans benefit from regular reviews.
Common Situations
Who This Can Help
If one sounds like you, talk to us.
Common Questions
High Net Worth Questions, Answered
The things clients ask us most.
What is a high net worth mortgage?
A mortgage for people with high income or significant assets, often with more flexible lending.
Do I need to be a millionaire?
No. Lenders and regulators use specific definitions. We can check if you qualify for any exemptions.
Can I get interest only?
Often, yes, with a clear and credible repayment plan.
Do private banks need me to bank with them?
Some do. We will explain the terms.
Can bonuses and dividends be used?
Yes, many specialist lenders will consider them.
Is the process slower?
It can take longer because cases are reviewed individually.
Related guides
- How much can I borrow?
- Buy to let in Scotland
- Remortgaging: the risks and benefits
- All mortgage questions answered
Written by Tony Flynn, mortgage broker at Tony Flynn Mortgages, helping homebuyers across Lanarkshire and Scotland. This page is general information, not personal advice. Speak to Tony about your own circumstances.
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Got a Larger or Complex Case?
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