High Net Worth Mortgages
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Services
Discreet, Flexible Lending for Complex Needs
High-value property finance requires more than a standard mortgage. Whether you’re purchasing a prime residence, refinancing a large loan, or acquiring a second home, Connect Mortgage Services offers discreet, personalised advice tailored to high-net-worth individuals. We work with private banks, specialist lenders, and high-street providers to arrange bespoke mortgage solutions based on your full financial picture — not just payslips and tick-boxes.
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Access to Exclusive, Flexible Lending Options
We have strong relationships with private banks and specialist lenders who can offer bespoke underwriting — including interest-only terms, asset-backed lending, and large loan facilities often unavailable on the high street.
Tailored Advice for Complex Income Structures
Whether your income comes from bonuses, dividends, retained company profits, overseas assets, or multiple sources, we understand how to present your finances effectively to the right lenders.
Discreet, White-Glove Service from Start to Finish
Your time and privacy are respected. We offer a highly personal, end-to-end service — coordinating with your accountants, wealth advisers, and solicitors as needed to ensure a smooth and efficient transaction.
Specialist Mortgage Advice for High Net Worth Individuals
We work with a wide range of high-net-worth clients across the UK and internationally. Our team is experienced in securing large or complex mortgage facilities for:
- Entrepreneurs & Business Owners
We help company directors and shareholders who draw modest salaries but have significant retained profits or business assets. - Self-Employed Professionals
Whether you’re a consultant, barrister, contractor, or creative professional, we can access lenders who assess income more holistically. - Senior Executives with Bonus or Equity Income
If your income includes annual bonuses, stock options, RSUs, or irregular payments, we’ll structure your case around future potential — not just base salary. - International Clients & Non-Domiciled Residents
We can arrange mortgages for UK property purchases funded from offshore accounts, foreign income, or international trusts. - Clients Purchasing Prime or Unique Properties
From London townhouses to country estates or listed buildings, we understand the nuances of securing lending on premium real estate.
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How We Work – Bespoke Mortgages Without the Complexity
- Confidential Discovery Call
We’ll take the time to understand your full circumstances — including income, assets, liabilities, and your wider financial objectives. - Strategic Mortgage Planning
We then approach selected lenders — often directly with decision-makers — to negotiate terms that align with your needs, preferences, and tax strategy. - Coordination with Your Advisers
If required, we’ll liaise with your accountant, wealth manager, or tax adviser to ensure your mortgage works as part of your broader financial planning. - Seamless Case Management
We handle all the paperwork, keep all parties informed, and ensure your mortgage proceeds smoothly, on time, and with minimal input from you.
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What Our Clients Say
”I recently had the pleasure of working with Ollie at Connectmortgageservices, for my mortgage needs, and I couldn't be happier with the experience.
Maddie Burgin, Google review
Ollie demonstrated extensive knowledge of the mortgage market. He took the time to explain various options and helped me understand the variation of different loan types. Whilst keeping excellent communication throughout. He was available to answer any questions I had and reassured me when needed.
Even after we got the mortgage, Ollie continued to check in and give further support which shows his commitment to client satisfaction.
Thank you Ollie for your outstanding service! I will be back in touch, when I need assistance in the future.
”Ollie was so helpful and informative throughout the whole process - no question or meltdown was too much trouble for him to deal with! It was great that it felt as if someone was on hand from start to finish - even on the day of completion Ollie reached out to see how everything was going, which was just such a nice personal touch. I would highly recommend Connect Mortgage Services and will definitely be using them again in the future!
Sarah Hayler, Google review
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Frequently Asked Questions
What counts as a high net worth mortgage?
While there’s no fixed definition, it typically refers to loans of £500,000 or more, or clients with significant assets or complex financial backgrounds.
Can I get a large mortgage with irregular or non-salaried income?
Yes — many lenders we work with will consider income from bonuses, dividends, investments, or company profits, especially if the overall financial position is strong.
Is interest-only an option?
Yes — interest-only mortgages are often available for high-value clients, especially where repayment is planned via investments, property sales, or other assets.
Can I borrow through a company or trust?
Yes — we regularly arrange property finance through limited companies, LLPs, and trusts. We’ll help ensure the structure aligns with your legal and tax advice.
Do I need to be UK-based?
No — we work with UK and international clients, including expats and non-domiciled individuals buying UK property.
High Net Worth Mortgage articles
Mortgages for Professionals: Doctors, Lawyers & Business Owners
Mortgages for Professionals: Doctors, Lawyers & Business Owners
Mortgages for Professionals: Doctors, Lawyers & Business Owners
5 Mistakes to Avoid When Applying for a Large Mortgage
5 Mistakes to Avoid When Applying for a Large Mortgage
5 Mistakes to Avoid When Applying for a Large Mortgage
How to Secure a Large Mortgage Without a Huge Payslip
How to Secure a Large Mortgage Without a Huge Payslip
How to Secure a Large Mortgage Without a Huge Payslip
Mortgages Over £1 Million: What High-Net-Worth Buyers Need to Know
Mortgages Over £1 Million: What High-Net-Worth Buyers Need to Know
Mortgages Over £1 Million: What High-Net-Worth Buyers Need to Know
Common Reasons Mortgage Applications are Declined
Common Reasons Mortgage Applications are Declined
Common Reasons Mortgage Applications are Declined
