Private Bank Mortgages

What Sets Private Banking Mortgages Apart?

Unlike standard mortgage lending, private banking mortgages offer:

Tailored underwriting – Assessing assets, income, and financial structures holistically rather than relying on rigid affordability models.

  • Higher loan values – Funding available for prime residential properties and high-value investments.

  • Flexible repayment structures – Interest-only, offset, and custom repayment plans designed for individual financial circumstances.

  • Exclusive lender relationships – Access to private banks not widely available in the general market.

These mortgages suit professionals, entrepreneurs, business owners, and high-net-worth individuals looking for customised financing solutions.

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Types of Private Banking Mortgage Solutions

High-Value Residential Mortgages

Tailored lending solutions for purchasing prime residential properties with large loan sizes. Whether acquiring a London townhouse or countryside estate, private lenders offer flexible terms suited to high-net-worth borrowing needs.

Portfolio-Based Lending

For individuals with diverse assets, private banks often structure mortgage lending based on total net worth, offering flexibility beyond standard income-based affordability checks.

Interest-Only & Asset-Backed Loans

Private banking mortgages frequently include interest-only options, allowing borrowers to retain liquidity and structure repayment around investment strategies or asset growth. Lenders can often use background assets to provide further support for the lending.

Cross-Border & International Mortgages

For clients with global property holdings, private banks provide international mortgage solutions, accommodating overseas purchases and multi-currency lending structures.

Who Can Benefit from Private Banking Mortgages?

Private banking mortgages are suited for:

  • High-net-worth individuals with complex financial profiles.

  • Asset-rich, cash-poor clients can benefit from Private bank mortgages as often these lenders can use assets to meet lending requirements rather than needing a conventional income stream.

  • Business owners & entrepreneurs who require bespoke lending structures.

  • Investors seeking multi-property finance solutions beyond traditional lending restrictions.

  • Professionals with variable income structures or significant bonus earnings.

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Get In Touch

For individuals with complex financial structures or significant assets, mainstream mortgage products often lack the flexibility required. Private banking mortgages offer bespoke lending solutions tailored to high-net-worth individuals, providing access to exclusive lending terms, personalised underwriting, and specialist finance options.

At MSP Financial Solutions, we work closely with private banks, specialist lenders, and bespoke finance providers to secure mortgage solutions that align with your wealth strategy.

Whether you require a bespoke high-value mortgage, portfolio lending, or international property finance, we help structure the right solution for long-term success.

What our clients have to say

  • Donny from MSP was superb at helping me.

    Donny from MSP was superb at helping me get my initial mortgage as a first time buyer. He spent time guiding me through the process and answering all of my questions.

    When it came time to remortgage I knew I was in safe hands with Donny. He helped explain all the range of different options available and their respective pros and cons. Most importantly though, he helped me to lock in the best rate a few months prior to my remortgage date. With subsequent market movements it was great to have piece of mind that we had locked in early.

    I would have no hesitation in using Donny and MSP Financial again! Thanks again Donny!

  • I’ve always been impressed

    Chris Sykes at MSP Financial has handled all my mortgages over the years, and I’ve always been impressed by his professionalism and attention to detail. He doesn’t just find a deal and leave it there, he keeps an eye on things and always lets me know if there’s a rate drop or a better option available. Where other brokers might miss those opportunities, Chris makes sure I never do. He’s clear, thorough, and genuinely has your best interests at heart. Absolutely worth the fee for the level of service and peace of mind he provides.