The situation
Complex income (bonus-heavy, LLP profit share, offshore trust income, dividend-only), non-standard property (period conversions, listed, high-value flats), or non-domicile status all break standard mortgage assessment.
How we approach it
We introduce cases to private banks and family offices with whom we have direct relationships. The conversation is about the whole client picture, not a tick-box application form.
What that looks like in practice
- Direct relationships with UK and international private banks
- AUM-linked pricing considered where you're bringing assets across
- Interest-only and offset structures routinely available
- Non-dom, non-resident and complex trust structures workable
- Loans typically £1m+, no upper limit in practice
Typical timeline
- Week 1-2Confidential brief, private bank introductions.
- Week 3-6Full submission, KYC, credit committee.
- Week 6-10Offer, legals, completion.
Common questions
Do I need to move assets under management?
Not always — some banks lend transactionally. But AUM materially improves pricing and appetite. Worth discussing openly.
How is bonus and LLP income treated?
Historically averaged over 2-3 years with sensible haircuts. Standard lenders often reject entirely.
Is discretion maintained?
Yes — private banking exists partly for this reason. Broker involvement is a single relationship, no wide market shopping.
A discreet, direct conversation
Send a confidential brief. We'll introduce you to two or three private banks whose appetite genuinely matches.