MORTGAGES
High Net Worth
- You'll experience an unrivalled customer service
- We offer a comprehensive range of products from across the market but not deals that you can only obtain by going direct to a lender.
- You can contact us 24/7, we're always available to help
Your home may be repossessed if you do not keep up repayments on your mortgage.
Are there mortgages specifically for High Net Worth individuals?
There’s mortgages out there for all individuals, as long as they’re credit worthy and satisfy lender criterias. When you look at mortgages for High Net Worth clients specifically, there can be quite complex situations, so many clients need bespoke mortgage arrangements to suit them. This can sometimes be because of the complexity of their financial situations, which means there’s often a greater need for flexibility to access finance.
Why are mortgages for High Net Worth individuals so difficult?
Possibly because with High Net Worth clients, there are certain factors that determine how much they can borrow. High value lenders look at the client’s profile and other factors to determine how much they’ll be able to borrow and how they’ll structure the finance. It can be slightly different to just the standard calculation of using a multiple of their income. With high Loan to Value lending and High Net Worth clients, mortgages are quite often in excess of a million pounds, so lenders will need to know whether borrowers have got repayment plans in place to lower the loan value.
Does net worth affect a mortgage?
High Net Worth individuals’ incomes can be a little bit more irregular, as their wealth may be coming from a number of different sources. For a Standard Residential Mortgage application, applicants are generally either employed or Self-Employed, so their income is easily proved with payslips and bank statements, or a tax return. High Net Worth individuals often have wealth from investments, inheritances and trusts across numerous territories, which is definitely more complex.
Who qualifies as High Net Worth?
Anyone with an annual net income of no less than £300,000 or with assets of no less than £3 million. If somebody has obligations that are guaranteed by a person with income of that level of assets, they would be classed as High Net Worth, too.
What can I borrow as a High Net Worth individual?
It’s not always as straightforward as general high street borrowing, but High Net Worth. Borrowers can, in some cases, use an Asset Ready Mortgage or Asset Qualifying Mortgage, which allows borrowers even with a low income. Because sometimes people with significant wealth don’t have an income.
For clients with over £3 million in assets, therefore, an Asset Ready Mortgage is an option. What they can borrow really does vary. High street lenders may offer multiples of four or five times an applicant’s income, whereas with High Net Worth it’s very much down to the individual.
Do High Net Worth individuals need Life Insurance?
Any client, whether they’re High Net Worth or not, should certainly have conversations around their protection needs. Just because someone’s got a lot more money or more assets, it doesn’t necessarily mean they don’t need life insurance from a mortgage point of view.
Life insurance is as important for High Net Worth as it is for those who are not High Net Worth, but High Net Worth clients might have assets that mean that they don’t feel the need for life insurance.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Some Buy-To-Let Mortgages are not regulated by the Financial Conduct Authority.
Can High Net Worth Insurance cover my listed property?
There are numerous insurers that could insure listed buildings. There are different grades of listed property that can be insured with listed buildings insurance. Grade one, which makes up two and a half percent of the UK listed buildings. Grade two listed can be made up of special interest properties, but they make up the majority of the listed buildings in the UK. Grade two plus, makes about 5% of the listed buildings in the UK.
There are a lot of companies that will offer insurance against listed buildings, so you won’t necessarily have to go for High Net Worth Insurance cover to do that.
How can Mortgage Matchmakers help?
High Net Worth mortgages are a little bit more bespoke, so if you walked into your local bank, you might struggle to obtain one, as a High Net Worth client. If you’ve got someone who looks after your finances, they might be able to point you in the right direction with regards to a bespoke lender. At Mortgage Matchmakers, however, we’ll certainly find a home for the client and would love to have that conversation.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Some Buy-To-Let Mortgages are not regulated by the Financial Conduct Authority.
Happy Clients
Jyoti Bains2026-04-02I’ve known Mohit for past so many years, and in that time I’ve seen firsthand just how dedicated, honest, and knowledgeable he is, both professionally and personally. As a mortgage advisor, Mohit goes above and beyond. He takes the time to really understand your situation, explains everything clearly (no jargon or pressure), and make what can feel like a stressful process so much smoother and more manageable. What really stands out is his integrity, you genuinely feel he has your best interests at heart. It’s rare to find someone who combines expertise with such a personal touch. Whether you’re a first-time buyer or remortgaging, you’re in very safe hands. Highly recommend to anyone looking for trustworthy, reliable mortgage advice!
Dripesh Chauhan2026-03-26I would like to thank you Mortgage Matchmakers in helping out the mortgage for our second home. Specially I would like to thank you Bhavna for her dedication and professionalism during the process. I will highly recommend Bhavna of Mortgage Matchmakers Limited for anyone looking for a mortgage. Dripesh & Reena
Jaya Bhardwaj2026-03-17Our experience with Bhavna from mortgage matchmakers has been absolutely fantastic. We have been using her for a while now to get mortgages on several of our properties, including buy to let properties purchased through our limited company and she has always managed to find fantastic deals for us. What particularly stands out is her communication, prompt responses to any queries and her efficiency. Even after the mortgage is approved, she constantly keeps looking to see if any better deals arrive on the market and lets you know if this is the case. She manages everything for you and we have never had any issues with any of the mortgage deals she has sorted for us. Doing business with her is a great pleasure and I would highly recommend Bhavna at Mortgage matchmakers for all of your mortgage needs.
Avanish Tantry2026-03-17I have used Mortgage Matchmakers for several mortgages now and am very happy with their service. Bhavna Grover, who has been our mortgage advisor, is excellent and I can’t recommend her enough. She is professional, very hard working, extremely prompt with her responses and gets things done in super quick time. She has always managed to find really competitive deals for me, including limited company but to let mortgages, and keeps looking out for better deals right till the end. I couldn’t ask for anything more and she completely takes the stress and hassle out of obtaining mortgages. If you are looking for a mortgage advisor and company, look no further than Bhavna and Mortgage Matchmakers.
Richard Smith2026-03-11Mohit was very professional and clearly has a good knowledge of the mortgage market. He was able to secure us a rate ahead of the increase that came in 8 hours later! Would highly recommend for all mortgage related enquiries.
Michael Wheller2026-03-04Excellent service and useful advice all the way through the process of setting up the new mortgage.
Julianaa Raghu2026-02-18I had an exceptional experience working with Mohit Mehra. As a first-time buyer, I was nervous about the process, but Mohit made everything feel straightforward and stress-free. He was incredibly responsive, patient and always answering my questions quickly and explaining complex terms in plain language. The communication was exceptional. I felt they truly had my best interests at heart and went above and beyond to ensure a smooth closing. I highly recommend their services to anyone looking for a reliable and professional mortgage broker!
Hameed Wahedi2026-02-01I was dealing with Ankur for my remortgage and I am highly recommend him to anyone looking to buy or remortgage their property. Thanks
Sope Famo2025-11-21Mohit from Mortgage Matchmakers was a pleasure to work with, making the process as simple as it could have ever been and was always on call to answer any questions. He was super helpful and impressively quick, which is rare when it comes to securing a property/mortgage. Thanks to Mohit we've had our mortgage approved and can move on to the next steps. I would highly recommend Mohit due to reliability and speed along but also his friendliness! Thanks a lot Mohit!!
Angela Kibia2025-11-20We had an excellent experience working with Mohit Mehra at Mortgage Matchmakers. From the beginning he was professional and very supportive. He made the whole process smooth as his communication was amazing. He was always quick to respond and provided updates. Thanks to Mohit we received a successful mortgage offer! We highly recommend Mohit to anyone looking for a reliable mortgage broker.