Arbuthnot Latham Mortgages
Private bank mortgages from Arbuthnot Latham for high-net-worth borrowers. Bespoke structuring, large loans, and the discreet service of a heritage private bank.
Heritage private banking, modern lending
Arbuthnot Latham has been serving the financial needs of wealthy individuals and families since 1833. Their mortgage lending reflects this heritage, combining traditional private banking values with a practical, solutions-focused approach to complex borrowing requirements.
For borrowers whose wealth and income structures sit outside conventional lending criteria, Arbuthnot Latham offers the kind of bespoke assessment that only a genuine private bank can provide. Through Doulton, you access this exclusive lending with expert broker guidance.
Private bank lending through Doulton
Private Banking Heritage
Established in 1833, Arbuthnot Latham is one of London's oldest private banks. Their mortgage lending reflects nearly two centuries of experience serving high-net-worth clients.
Bespoke Underwriting
Every application is assessed individually by experienced private bankers who understand complex wealth structures, rather than being processed through automated scoring systems.
Large Loan Capability
Arbuthnot Latham regularly handles mortgages well into seven figures, with the flexibility to structure large loans around complex asset and income profiles.
Complex Income Structures
Whether your wealth comes from business ownership, investments, trusts, family offices, or international sources, Arbuthnot Latham has the expertise to assess it properly.
Prime Property Focus
From London townhouses to country estates, Arbuthnot Latham understands prime and super-prime property markets and can lend against properties that mainstream lenders cannot value.
Discreet Personal Service
As a private bank, Arbuthnot Latham provides a level of confidentiality and personal attention that high-net-worth borrowers expect from their financial relationships.
How it works
Confidential Introduction
We present your profile to Arbuthnot Latham's private banking team in confidence, outlining your requirements and financial circumstances at a high level.
Bespoke Structuring
Arbuthnot Latham's team works with us to structure a mortgage that fits your specific wealth profile, considering term, rate, and repayment preferences.
Personal Underwriting
Your application receives personal attention from a dedicated private banker who understands high-net-worth lending and can navigate complex financial arrangements.
Seamless Completion
We coordinate between Arbuthnot Latham and your legal team to ensure completion proceeds efficiently, with the attention to detail that large transactions require.
Discuss private bank mortgage options
Access Arbuthnot Latham's bespoke lending for high-net-worth borrowers. Our team handles your enquiry with complete discretion.
Frequently asked questions
Can I get a Arbuthnot Latham mortgage through Doulton?
Yes. We hold broker agencies with Arbuthnot Latham where available and can access their intermediary product range. Where Arbuthnot Latham is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.
Why apply to Arbuthnot Latham via a broker rather than direct?
Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Arbuthnot Latham cannot take your case, we can place it elsewhere without a declined application showing on your credit file.
What LTV and loan size does Arbuthnot Latham offer?
Arbuthnot Latham's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Arbuthnot Latham can support today.
What if my application is complex - non-standard income, expat status, adverse credit?
Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.
How long does a mortgage application take?
Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.
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