Mortgages for High Net Worth Individuals

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When it comes to high net worth mortgages, we understand that it is typically more difficult to obtain when reaching out to a high street lender. That is why we aim to support these types of professionals in securing the right high net worth mortgage. Although based in Dorset, we offer professional mortgage services both locally and nationally. Our mortgage advisors are fully qualified and strive to offer some of the best solutions for high net worth individuals like yourself.

High Net Worth Individuals Mortgages Broker

Typically, high net worth clients require a large mortgage, often with unusual criteria. To be underwritten as a high net worth client, the mortgage amount that you are applying for usually needs to exceed £1,000,000.

Especially since the global financial crisis in 2008, it has become more difficult for anyone to obtain a mortgage, especially high net worth individuals.

Mortgage regulations have tightened which has led to stricter requirements when it comes to being approved for a mortgage. High street lenders use a standard formula when considering applications. Because of this, lenders will be less likely to accept mortgages for high net worth individuals as the complete financial profile of the applicant is rarely taken into account.

High street lenders typically focus on steady incomes when it comes to mortgage applications. This guarantees the individual can meet repayments. Based on this, high net worth mortgages are more difficult to obtain, as people in this sector tend to receive their wealth from less regular sources.


Even though wealthy individuals own many assets, they may not have access to enough capital up-front in order to purchase the property outright. As well as this, these people may not want to invest their disposable income in real estate and would prefer to maintain their liquidity. As a result, these individuals seek out a mortgage.


With property prices continually on the rise, it is quite common to need a mortgage that is in millions in order to afford a property. Even though high street lenders are unlikely to lend high mortgages, there are specialist lenders and private banks that are willing to provide high net worth mortgages. This is where our team at Davidson Deem can help!

Speak To an Expert
Our mortgage specialists pride themselves on having over 50 years combined experience. Whether you are looking for a mortgage as a first time buyer or to remortgage, we are here to help advise you on the best options available to you.


We offer a range of benefits when it comes to our specialist mortgage brokers. These include:

  • Industry Experience– With over 30 years of industry experience, we have a close relationship with a range of lenders that are only willing to accept applications from individuals who receive assistance from a mortgage broker. Because of this, we can provide you with better opportunities when it comes to high net worth mortgages. We can also talk directly with underwriters at specialist and large banks.
  • Communication- We understand the special circumstances surrounding high net worth mortgages. By talking to you about your financial situation and taking a look at your financial profile, we can make a compelling case to mortgage lenders on your behalf.
  • Reliable- We can manage large mortgage loans as well as the process that you need to go through
  • Loan to Value Ratio- We secure high loan value mortgages. By using a specialist mortgage broker from Davidson Deem, we can help you secure a mortgage loan with up to 90% loan to value ratio!
  • Efficiency– Our team work hard to get your application approved as soon as possible. In order to do this, we move quickly enough to ensure that your mortgage application is processed as quickly as possible. This ensures that you are able to secure the property your heart is set on.
  • Exclusive Rates– Due to the special circumstances surrounding high net worth mortgages, many lenders will accept the application with high rates of interest. Here at Davidson Deem, we know how to pitch a case with lenders to get a desirable rate of interest. Additionally, we can get access to exclusive rates of interest that you won’t ever be able to find without the help of our specialist mortgage brokers.


Whether you are based in Dorset or London, our mortgage advisors will guarantee to offer some of the best solutions and find a high net worth mortgage for individuals like yourself! Get in touch with us on 01202 884111 today!