High net-worth individuals (HNWIs) often have complex income streams, global assets, and unique financial structures. When it comes to securing a mortgage, these factors can sometimes complicate the process — but they don’t have to.

That’s why we work closely with private banks, specialist lenders, and bespoke mortgage providers to create tailored solutions that reflect your full financial picture.

Who Qualifies as a High Net-Worth Individual?

In the UK, a high net-worth individual is typically defined as someone who:

  • Has an annual income of £300,000+, or
  • Holds net assets of £3 million+, excluding their main residence

However, private and bespoke lenders often assess clients more flexibly, looking at income structures, investment portfolios, and international assets.

Common Scenarios We Help With

  • Self-employed business owners with retained profits
  • Clients with income from multiple jurisdictions
  • Professionals with large bonus structures or carried interest
  • Entrepreneurs exiting a business and seeking a new residence
  • Asset-rich, income-light individuals using investment drawdowns or trust income

How High Net-Worth Mortgages Differ

Unlike high-street lenders, private and specialist banks:

  • Offer bespoke underwriting – considering your full financial profile, not just payslips
  • May lend with interest-only options, even up to 75% LTV
  • Are open to complex income structures, including dividends, bonuses, or foreign income
  • May offer flexible repayment terms, portfolio-linked lending, or multi-currency solutions

Access to Private Banks and Specialist Lenders

At Path Mortgages, we have established relationships with:

  • Private banks who assess on total wealth, not just income
  • Boutique lenders who understand non-standard scenarios
  • Lenders comfortable with international clients and offshore structures

Whether you’re purchasing a London townhouse, refinancing a country estate, or buying an investment property, we can present you with options that match your goals and lifestyle.

Let’s Talk

If you’re looking for a mortgage that matches your unique financial position, speak to our expert team today. We’ll help you find a mortgage solution that reflects not just your wealth – but your ambitions.

Contact Path Mortgages for a confidential, no-obligation consultation.

*Your home may be repossessed if you do not keep up repayments on your mortgage*