Ultra High Net Worth Mortgages for Luxury UK Properties
 Bespoke mortgage solutions for ultra high net worth individuals, with tailored lending, flexible terms, and expert guidance for complex financial portfolios.
Access Specialist BTL Lenders
Over 120 UK lenders providing competitive limited company mortgage solutions
Mortgage-Tek connects landlords to lenders who specialise in limited company BTL mortgages. We secure competitive rates,
flexible terms, and expert guidance for property investment and portfolio growth.
Understanding Ultra High Net Worth Mortgages
Tailored mortgages for individuals with exceptional wealth
A UHNW mortgage is a specialist product for individuals with exceptional wealth, typically holding assets over £5 million or annual income exceeding £500,000. Lenders provide high borrowing limits, bespoke repayment structures, and flexibility to accommodate complex income, investment portfolios, and international financial arrangements, ensuring smooth acquisition or refinancing of luxury properties.
Flexible Mortgage Options for UHNW Clients
Bespoke solutions for ultra high net worth individuals
Residential UHNW Mortgages
Designed for luxury residential property purchases, allowing ultra high net worth clients to access bespoke lending with tailored repayment structures reflecting complex financial situations.
Buy-to-Let UHNW Mortgages
Enables UHNW investors to expand high-value property portfolios, considering rental income, international investments, and diversified asset portfolios when structuring mortgage repayments.
Remortgage Options for UHNW Borrowers
Allows refinancing, equity release, or restructuring of existing high-value properties with bespoke terms aligned to client wealth and complex income streams.
Flexible Asset and Income Mortgages
Lenders may consider multiple income sources, investments, or international assets, providing tailored lending solutions for ultra high net worth clients.
Is a UHNW Mortgage Right for You?
Ideal for individuals with exceptional wealth and high-value property needs
UHNW mortgages suit individuals or families with substantial income, diversified assets, or international portfolios requiring bespoke lending solutions for luxury or high-value property purchases.
- Ultra high net worth individuals purchasing luxury residential property
- Investors with diversified domestic or international property portfolios
- Individuals remortgaging high-value homes for equity release or restructuring
- Professionals with complex income sources, dividends, or substantial assets
- Clients seeking tailored mortgage solutions for bespoke financial arrangements
What Lenders Will Assess
Core factors for UHNW mortgage approval
Income and Assets
Lenders evaluate annual income, dividends, investments, savings, and property portfolios to determine borrowing potential and repayment capacity for ultra high net worth mortgages.
Deposit Requirements
Deposits generally range from 20–40%, depending on lender, property value, and financial profile of the UHNW borrower.
Credit History
Strong credit history is required, including international credit checks if applicable, ensuring financial reliability for high-value lending.
Property Eligibility
Eligible properties are typically luxury residential, freehold or long leasehold, and meet lender criteria for high-value property financing.
How Much Can I Borrow Calculator
Borrowing based on wealth, income, and lender criteria
UHNW mortgages allow very high borrowing limits, often exceeding standard lending ratios. Mortgage-Tek evaluates income, assets, and property value to determine maximum safe borrowing, offering bespoke structuring and repayment flexibility.
Your Estimated Borrowing Amount
Expert Guidance for Ultra High Net Worth Individuals
Specialist advice for luxury property purchases and complex wealth structures
 Mortgage-Tek provides UHNW clients with tailored advice, helping navigate lender requirements, structure complex income
and assets, and secure bespoke mortgages for residential or investment properties.
Specialist Lender Access
We connect UHNW clients with lenders experienced in luxury properties and complex portfolios, offering competitive rates and bespoke mortgage structures.
Tailored Income and Asset Assessment
We assess multiple income streams, investments, and property portfolios to structure applications maximising borrowing potential and lender approval.
Flexible Mortgage Solutions
We provide residential, buy-to-let, and remortgage options tailored to high net worth clients’ property and financial goals.
Transparent Cost Guidance
We clearly explain fees, rates, and repayments, helping clients make informed decisions for high-value mortgage arrangements.
End-to-End Support
From initial application to completion, we liaise with lenders, solicitors, and advisors to ensure a seamless experience for UHNW borrowers.
Regulated and Responsible Advice
All advice complies with FCA regulations, providing ethical and transparent guidance tailored to ultra high net worth clients.
FAQs
What qualifies as ultra high net worth for a mortgage?
Typically, assets exceeding £30 million or annual income over £1 million, depending on lender criteria.
Can I remortgage a luxury property?
Yes, UHNW remortgages allow equity release, better rates, or restructuring tailored to client assets and financial situation.
Are rates higher for UHNW mortgages?
Rates are competitive but depend on property value, complexity of income, and lender assessment.
Can complex income streams be used for affordability?
Yes, lenders often consider bonuses, dividends, investments, and international assets for UHNW affordability assessment.
Can I buy buy-to-let properties with a UHNW mortgage?
Yes, rental income and asset portfolios are considered when structuring repayments for luxury buy-to-let investments.
Is there a maximum loan limit?
Loan limits vary by lender but are significantly higher than standard mortgages for UHNW clients.
How long does the process take?
Applications usually take 8–12 weeks due to property valuation, documentation, and complex financial assessment.