High Net Worth Mortgages

  • When your financial situation is more complex than average, you need more than an off-the-shelf mortgage. High net worth individuals often have unique income structures, significant assets, and investment portfolios that don’t always align with standard mortgage criteria.

    At J Finance, we specialise in bespoke mortgage advice for high net worth clients—offering flexible lending solutions that align with your personal and financial goals.

  • A high net worth mortgage is designed for individuals with considerable income, assets, or both—typically requiring loans of £500,000 or more. These mortgages are often tailored on a case-by-case basis, with underwriters taking a more holistic view of your financial situation, including income from multiple sources, asset holdings, and international considerations.

  • High net worth doesn’t always mean straightforward. If your income includes dividends, bonuses, trusts, property, or foreign assets, traditional lenders may struggle to assess affordability.

    At J Finance, we:

    • Work closely with private banks, specialist lenders and high street providers who offer tailored lending

    • Understand how to present complex income profiles effectively to lenders

    • Negotiate competitive rates and terms aligned with your financial goals

    • Offer a discreet, personal service from start to finish

  • Every high net worth mortgage is unique. Lenders may consider:

    Complex Income Structures – Including company dividends, trust income, carried interest, or rental income

    Low or Irregular Salaries – Where wealth is held in assets rather than income

    Assets Under Management – Used to secure lending at preferential terms

    Interest-Only Options – Often used as part of wider wealth or inheritance planning

    International Income or Residency – Support for non-domiciled individuals or those with global income sources

    We’ll help structure the application in a way that makes sense to lenders—and to you.

  • You may benefit from a specialist approach if:

    • You're borrowing £500,000+

    • You have income from multiple or unusual sources (bonuses, dividends, investments, property)

    • You hold wealth in assets, not just income

    • You’re a business owner, company director, investor or professional with international ties

    • You're looking for interest-only or offset options as part of a wider strategy

  • At J Finance, we take time to understand the bigger picture—not just your income but your ambitions, assets, and exit strategy.

    We’ll work with your accountant or wealth adviser (if needed), and provide:

    • A dedicated advisor throughout the process

    • Direct access to underwriters and bespoke underwriting

    • Transparent, honest advice with your best interests at heart

    • Discreet and efficient service, respecting your time and privacy

  • Your circumstances may be complex—but your mortgage process doesn’t have to be.

    If you're looking to borrow £500,000 or more and need a mortgage that reflects your financial profile, get in touch with J Finance today. We'll help you explore your options and find a solution that fits.

    📞 Contact us today to arrange a confidential consultation.

    We are happy to hold meetings remotely or our advisers are based all over the UK in locations such as Berkshire, Oxfordshire, Hertfordshire, Bedfordshire, Yorkshire, Derbyshire and London.

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