RESIDENTIAL MORTGAGES
High Net Worth
Bespoke mortgage solutions for high-income individuals with complex financial profiles.
STRATEGIC MORTGAGE PLANNING
Understanding High Net Worth
When assessing income for a mortgage application, a broker must carefully evaluate all available income streams to maximise borrowing potential. Equally important is developing a strong understanding of the client, enabling the structuring of mortgage solutions that meet their immediate needs while maintaining flexibility to support potential future ventures and opportunities.
For instance, if a client is looking to purchase a property that requires extensive work, it may be worthwhile retaining some cash for renovations or improvements before refinancing and maximising equity within the property to secure more competitive rates. This can be achieved by selecting mortgage products without early repayment charges, or, where appropriate, utilising bridging finance.
With high-net-worth clients, the focus extends beyond simple affordability. It is about understanding their broader objectives and ensuring capital is deployed in the most efficient and strategic manner to support both current and future financial goals.
UNDERSTANDING YOU AND YOUR INCOME
We understand that self-employed high-net-worth clients may not withdraw all funds from the businesses they own for tax efficiency purposes. As a result, we can advise on suitable lenders that will consider retained profits and net profit before tax. We also work with lenders who can use the most recent year’s figures alongside projected growth, provided there is a clear explanation.
Projected Growth
Higher Income Multiples
Retained Profits
SUPPORT FOR NOW, AND THE FUTURE
Interest Only Mortgage Options
In the current climate, we have also carried out extensive research into interest-only mortgages to help keep monthly commitments as low as possible for clients. We then explain options such as overpaying without penalties through no early repayment charge products, as well as offset mortgage solutions.
At Holbrook Capital Finance, not only do we look at your current situation but we also tailor the advise to suit your both your situation now and plans for the future