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Strive Mortgages is a specialist mortgage broker for private banks. We secure mortgages for high-net-worth individuals seeking large and complex loans. We have access to a wide range of private banks and have helped clients from various scenarios achieve their property aspirations.
- High LTV lending up to 95% LTV, or in some cases, 100%
- High loan-to-income ratio options available
- Personalised bespoke finance solutions
- Large loans lending, from £500,000 to tens of millions
- Catering to complex income scenarios
- Residential, commercial & investment scenarios
- Available to high-net-worth individuals
- Short-term bridging finance options available
- Cross securitisation of assets
- Interest-only options available
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Why Consider A Private Bank Mortgage?
Private banks offer personalised and bespoke finance solutions tailored to meet the unique needs of high-net-worth individuals. They provide high loan-to-value (LTV) lending options, sometimes up to 95% or even 100% in certain cases. Private banks also offer high loan-to-income ratio options, making it possible to secure larger loans. These banks cater to complex income scenarios and provide financing for both residential and investment properties. Additionally, private banks offer short-term bridging finance and interest-only options, which can be advantageous for managing cash flow and investment strategies. Their services are particularly beneficial for those seeking large loans, from £500,000 to tens of millions, ensuring a comprehensive and flexible approach to mortgage lending.
What Are the Benefits of a Private Bank Mortgage?
Private bank mortgages can offer lower rates than mainstream lenders and have the flexibility to move quickly when required. They provide bespoke solutions and take a common-sense approach, looking at your wealth, situation, and portfolio. Unlike mainstream lenders, which offer off-the-shelf products not equipped to deal with high-net-worth clients, private banks tailor their services to meet the unique needs of affluent individuals.
How Do Private Bank Mortgages Work?
Private bank mortgages require you to be referred via a mortgage broker like Strive Mortgages. These mortgages can require thorough checks and a deep understanding of your circumstances, which can take longer to arrange than a standard mortgage due to their complex nature. Therefore, it’s important to work with a specialist mortgage broker for private bank mortgages to ensure you are placed with the right lender and avoid multiple meetings.
Outstanding service and clear communication are at the core of what we do. But don’t just take our word for it—read firsthand experiences from our clients and discover why they rate us a 5-star mortgage broker.
Private Bank Mortgage Rates
While interest rates are an important factor in securing a private bank mortgage because they can offer low rates, there’s a lot more to consider. The flexibility and bespoke underwriting provided by private banks can ensure you get the right outcome and potentially borrow on significantly better terms than mainstream lenders. Additionally, turnaround times can be significantly quicker with private banks, offering a more efficient and personalised lending process.
Are Private Bank Mortgage Rates Better Than Normal Rates?
It depends. In some cases, private bank mortgage rates can be more competitive than those available on the high street, particularly for high-net-worth clients borrowing large sums or fixing for longer terms.
However, rates also depend heavily on:
- Complexity of your case – If your income is structured across businesses, trusts, or investments, rates may be slightly higher to reflect the added underwriting.
- Loan size – Large mortgages (£1m+) often attract bespoke pricing, which can be lower than standard market deals.
- Assets used as security – If you’re leveraging cash or investment portfolios through Lombard lending, terms can differ.
- Deposit and LTV – As with standard mortgages, larger deposits generally unlock better rates.
Ultimately, private banks don’t operate off fixed product sheets like mainstream lenders — their pricing is case by case and tailored to the client.
How Do I Qualify for a Private Bank Mortgage?
To qualify for a private bank mortgage, you typically need to meet certain criteria. Generally, you need to qualify as a high net worth individual, with an income of at least £300,000 or assets totalling £3 million. While most private banks require a mortgage amount of at least £1 million, some may consider loans starting from £500,000. Additionally, some private banks may require you to move assets over to them to secure the lowest rates or agree on the best terms.
Speak to an advisor today, to lock you in with the best deal.
What Assets Can I Secure Lending Against?
Unlike standard mortgages secured solely against property, private banks are often able to lend against a wider range of assets. This approach — often referred to as asset-based lending or Lombard finance — allows high-net-worth individuals to unlock liquidity without needing to sell investments.
Private banks typically lend:
- Up to 100% of cash value
- Up to 60% of the value of stocks and portfolios
Other assets that can be financed include:
- Residential and commercial properties (onshore or offshore)
- Jets and yachts
- Vintage or luxury cars
- Fine art collections
- Business assets
- Wider investment portfolios
This flexibility allows clients to raise significant capital while retaining ownership of their investments.
Can I Get Interest-Only with a Private Bank?
Yes — many private banks offer interest-only mortgage options. Typically, you’ll need a 25% deposit, but in certain cases lending can stretch up to 90% loan-to-value (LTV). These products are particularly attractive for high-net-worth borrowers with substantial assets but irregular income streams.
How Much Can I Borrow with a Private Bank Mortgage?
Whereas most high street lenders cap borrowing at 4.5–5 times income, private banks can often offer 5.5 or even 6 times income in the right circumstances. They are also more flexible in how they assess income, often taking into account bonuses, foreign earnings, investment income, or complex financial structures.
👉 See how we’ve helped clients access high income multiples in our High Net Worth Mortgages guide.
Who Are the Main Private Banks?
There are several private banks in the UK that provide specialist mortgage solutions. Examples include:
- Coutts – Often referred to as the King’s bank, Coutts is part of the NatWest Group and one of the most well-known private banks. Visit Coutts
- Handelsbanken – Known for bespoke, relationship-based banking with a strong presence across the UK.
At Strive, we regularly help high-net-worth clients secure lending with private banks and specialist lenders — including complex cases involving multiple assets and income streams. 👉 Read our High Net Worth London Interest-Only Mortgage Case Study.
Strive, Specialist private bank mortgage broker
Strive Mortgages is a specialist mortgage broker for private banks. We secure mortgages for high-net-worth individuals seeking large and complex loans. We have access to a wide range of private banks and have helped clients from various scenarios achieve their property aspirations. Collectively, we have decades of experience helping clients obtain private bank mortgage finance. If you’re interested in exploring private bank mortgage finance, please get in touch and one of our expert brokers will be on hand to help.
Jamie Elvin
Jamie is an expert in all things mortgages, and our most experienced broker. Connect with Jamie and get started to see how Strive Mortgages can help you.
