Case Study: Singapore-Based Executive Buying a Surrey Country House
A UK regional CEO sixteen years into a Singapore posting was putting a UK base in place ahead of an eventual return inside a five-year arc. The structural answer was a private bank purchase mortgage at 60% LTV against a £5.5 million St George’s Hill country house, with a multi-currency facility and an AUM relationship
Asset-Based Mortgages & Lombard Lending
Asset-based mortgage is a broad label used for lending where the borrower’s assets play a major role in the credit decision instead of standard salary-led affordability alone. In UK practice, the phrase can refer to private-bank residential mortgages with asset-led underwriting, securities-backed Lombard facilities, or other asset-led structures. Despite the name, not every structure described
High Net Worth & Private Bank Mortgages
A high net worth mortgage is a residential mortgage structured for borrowers who meet the FCA HNW definition, being either annual net income of at least £300,000 or net assets of at least £3,000,000 excluding primary residence. A private bank mortgage is a related but distinct concept: a mortgage arranged through a private bank rather
Asset-Backed Lending and Lombard Loans: A Guide for UK Expat HNW Borrowers
An asset based mortgage is one of the most loosely used phrases in UK property finance, covering several products that share one feature: lending decisions are weighted toward the borrower’s assets rather than salary-based affordability. The most common practical question we are asked is whether a portfolio of investable assets can replace conventional income evidence
High Net Worth Mortgages for UK Property: An Expat Guide
A high net worth mortgage is a specialised form of UK residential lending structured for borrowers whose wealth is real but whose financial profile sits outside the affordability frameworks used by mainstream lenders. For expats and foreign nationals with complex income, multi-currency assets, or multi-jurisdictional residence, the gap between mainstream criteria-driven underwriting and the bespoke