Private Client

High net worth mortgage broker in London

Private bank and specialist mortgage advice for high net worth borrowers buying or refinancing in London. £1m to £25m+ deals, interest-only structures, multi-currency income, residential and investment property.

The product

What an HNW mortgage broker actually does

FCA rules define a high net worth borrower as someone with annual net income of £300,000+ or net assets (excluding their main residence and pension) of £3m+. In practice the HNW mortgage market begins at a loan of around £1m and runs to £25m and above on individual residences. The lenders that operate at that level - Coutts, Hampden, JP Morgan, Citi Private Bank, UBS, Julius Baer, Investec, Arbuthnot Latham, Handelsbanken, Schroders, plus specialist large-loan books at HSBC, Barclays and NatWest - underwrite on relationship, balance sheet and the borrower's wider wealth picture, not on a one-size affordability calculator.

A broker's job at this level is to triage. Which of the 20 or so lenders that can actually write the loan is the right one for this specific buyer? Where will the interest-only structure be accepted without an AUM ask? Which private bank can be onboarded quickly enough to complete by exchange? Which specialist bank will take the dividend income or carried interest at 100%? The answers change quarter to quarter as bank credit appetite shifts.

Doulton operates across the full HNW lender stack from our London base. We are not a single-bank introducer. We benchmark every case against the high-street prime large-loan books, the specialist banks and the private banks, and we present the borrower with a real comparison rather than steering them into a single relationship.

Get a Quote Call 0204 6211776

£1m - £25m+

Loan size

Interest-only

Available 5-25yr

Private banks

Direct relationships

No fee

On loans over £1m

Why Doulton

What makes this work in practice

Prime central London residential purchases

Westminster, Kensington, Chelsea, Mayfair, Knightsbridge, Belgravia, Notting Hill, Marylebone, Hampstead, St Johns Wood. Up to 85% LTV available on selected stock, more typically 60-75% on £5m+ properties.

Foreign national and non-resident buyers

UK residential lending for non-domiciled, non-resident and foreign-passport holders. Private banks accept overseas income, overseas property collateral and (with conditions) onboarding from outside the UK.

Trust, SPV and offshore company borrowers

Where property is being held through a UK Ltd Co, a Jersey or Guernsey SPV, a trust or a family investment company, we work with lenders set up for that ownership structure rather than fighting standard residential underwriting.

Interest-only with realistic repayment vehicles

Investment portfolio, sale of another property, anticipated bonus pool, business exit, inheritance. Private banks generally take a wider view of acceptable vehicles than high-street lenders. We tee up the right narrative for each lender.

Assets-under-management and dry mortgages

Some private banks require AUM in exchange for the keenest rates. Others (Investec, Hampden, Arbuthnot) write dry mortgages with no AUM ask. We will tell you up front which deals will require AUM and what the trade-off looks like.

Bridging and short-term capital

Where a long-term mortgage will not complete inside an exchange deadline, we bridge first and refinance to the term mortgage second. Bridging rates from 0.49% pm and completions inside 14-21 days are achievable.

Refinancing existing private bank facilities

When an existing private bank facility comes up for review or its terms tighten, we benchmark the refinance across the wider market rather than accept the renewal offer at face value.

Adviser-led, discreet, single point of contact

Every HNW mandate runs through one senior broker. No call centre handover, no junior taking over once the application is in. We coordinate with your accountant, solicitor and existing wealth team where you want us to.

The process

How it works

Initial mandate call

A 30-minute confidential call covering the property, the income and asset picture, the existing banking relationships, the timetable and what good looks like for you.

Indicative terms within 48 hours

We come back with written indicative terms from across the high-street prime, specialist and private bank tiers so you can compare rate, fees, term, AUM ask and onboarding speed in one place.

Application and onboarding

We coordinate KYC, source-of-wealth documentation, valuation, legals and any private bank onboarding through to formal credit approval.

Ongoing facility management

We review your facility at every product end, monitor rate movements and step in early if your circumstances change before the lender does.

Speak to a London HNW mortgage broker

Tell us about the property, the structure and the timetable. We will return indicative terms from the right corner of the lender market within 48 hours. Total discretion, no upfront fee on £1m+ loans.

Get a Quote Call 0204 6211776

FAQs

Frequently asked questions

What types of UK mortgage can Doulton arrange?

Residential, buy-to-let, portfolio, limited-company BTL, HMO, commercial, semi-commercial, high-value, private bank, expat, interest-only, second-charge and specialist adverse-credit mortgages. We work across the whole of market.

How much can I borrow?

Residential borrowing is typically 4-5.5x income depending on the lender and profile. Buy-to-let lending is sized on rental income against stress-tested interest cover ratios. High-value lending and private bank cases are assessed holistically on wealth and serviceability.

What is the minimum deposit?

Residential mortgages typically need 5-15% deposit. Buy-to-let usually requires 20-25%. Specialist, high-value and expat ranges often require 25-40%. Larger deposits unlock better rates across every product.

Can I get a mortgage with complex income or adverse credit?

Yes. Self-employed, contractor, commission-based, bonus-reliant and multi-currency incomes all have specialist lender homes. Borrowers with recent defaults, CCJs, DMPs or historic bankruptcy can also be placed, with pricing reflecting the risk profile.

How long does a mortgage application take?

Straightforward residential applications reach offer in 2-4 weeks. Specialist, high-value and expat cases typically take 4-8 weeks. Conveyancing and exchange after that is driven by your solicitor's speed.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.