Complex income streams, multi-jurisdictional tax residency, asset-based wealth, and bespoke lending requirements demand a more sophisticated approach. At Harrison Brook, we provide access to high-value mortgage lending and private bank solutions tailored to UK expats and returnees with substantial financial profiles.
Whether you’re seeking to purchase a prime central London residence, refinance a portfolio of properties, or secure lending through trust or corporate structures, our advisers understand the nuances of private banking and bespoke mortgage lending. We serve professionals, entrepreneurs, investors, and family office clients who value discretion, flexibility, and strategic financial alignment.
Who Are High-Value Mortgages For?
High-value and private banking mortgages are designed for clients who:
- Require mortgage loans over £1 million
- Earn in multiple currencies or have offshore income
- Have income from bonuses, dividends, or retained profits
- Are buying or refinancing prime UK property
- Hold assets in trusts, companies, or family investment vehicles
- Require bespoke underwriting beyond automated scoring models
You may be an international executive with equity-based compensation, a business owner with seasonal income, or a long-term expat looking to invest in the UK. Whatever your situation, we work with lenders who understand that financial strength isn’t always visible through traditional pay slips and credit scores.
What Makes Private Bank Lending Different?
Private banks approach mortgage lending very differently to mainstream high street lenders. Instead of using rigid affordability models, they assess your overall wealth position, asset base, and future earning potential. This allows for:
- Larger loan amounts with tailored loan-to-value (LTV) thresholds
- Flexible repayment terms, including interest-only structures
- Loans secured against multiple properties or asset classes
- The ability to incorporate complex income types or tax residency
- Custom underwriting for trust or corporate ownership
Tailored Mortgage Solutions
Our clients often seek private bank mortgages for:
- Residential purchases in central London or prime UK postcodes
- Remortgages of luxury homes to free up capital
- Buy-to-let acquisitions as part of a diversified property portfolio
- Multi-currency loans, where income and assets are global
- Portfolio lending, where one lender oversees multiple properties
We have long-standing relationships with private banks and specialist lenders, including those who work exclusively through intermediaries like Harrison Brook. This gives our clients access to lending solutions not available on the open market.
Why Work With Harrison Brook?
- Expertise in Expat Profiles: We understand the challenges of non-UK residency, international tax, and multi-currency earnings.
- Independent and FCA-Regulated: We provide whole-of-market access and work solely in your best interests.
- Discreet and Strategic Advice: We support high-net-worth clients with confidential, aligned mortgage strategies.
- End-to-End Service: From lender introductions to financial structuring, we manage every step of the process.
Begin a Bespoke Lending Conversation
If you’re seeking a mortgage of £1 million or more, or require lending support beyond standard criteria, Harrison Brook can help. We’ll guide you through the private banking process, introduce the right lenders, and ensure that your mortgage solution aligns with your broader wealth management goals.
