London Private Bank Mortgages
Private bank mortgage access for London residential property - from Coutts, Arbuthnot Latham, Investec, Hampden & Co, and C. Hoare & Co - with bespoke income assessment and interest only structures for high-net-worth borrowers.
Bespoke London mortgage lending
The private bank mortgage market in London serves a distinct borrower profile - complex income structures, large loan sizes, and properties in prime and super-prime central London locations that require specialist valuers and experienced underwriters. Each private bank has different strengths, minimum thresholds, and AUM relationship preferences. A broker with established private bank relationships places these cases efficiently rather than through the cold application process.
Every London private bank accessed
Coutts & Co
The Royal Bank of Scotland's private bank - one of the UK's oldest and most established private banks. Minimum mortgage typically £500,000. AUM relationship preferred. Strong presence in prime London and significant UK residential property.
Arbuthnot Latham
Independent private bank with strong private wealth and mortgage capability. Competitive on complex income cases - carried interest, partnership drawings, and entrepreneurial income. Prime London and country property expertise.
Investec Private Bank
South African-headquartered private bank with significant UK private client presence. Known for flexibility on complex income including private equity and professional services. Prime London and large residential property expertise.
Hampden & Co
Edinburgh-based private bank with London presence. Personal relationship model - named relationship managers. Experienced with HNW borrowers including those with Scottish connections and significant property portfolios.
C. Hoare & Co
The oldest private bank in the UK - established 1672. Family-owned. Very selective client base. Largest UK residential mortgages and ultra-prime London property their established territory.
Dry Mortgages - No AUM Required
Some private banks will write a mortgage without requiring assets under management from the right borrower profile. A broker approach identifies which banks are willing to engage on a mortgage-only basis for your specific situation and loan size.
How it works
Income and property overview
We review your income structure, wealth position, and London property requirement. We identify the private bank most appropriate for your specific profile - each has different strengths and client preferences.
Case preparation
Private bank credit committees require a high standard of case presentation. We prepare the income analysis and wealth summary before the first approach - poorly prepared applications waste significant time.
Private bank approach and due diligence
We approach the right private bank through our relationship contacts. Private bank due diligence is more intensive than standard lending - we manage all requests efficiently.
Facility confirmed and completion
Private bank mortgage facilities: typically 6 to 12 weeks from first approach to facility confirmation. We remain involved through completion and the discharge of any facility conditions.
Looking for a private bank mortgage in London?
Tell us the loan amount, income structure, and property. We return indicative private bank terms within 48 hours. No upfront fee on loans above £1m.
Frequently asked questions
Which private bank is best for a London mortgage?
Different private banks have different strengths. Arbuthnot Latham and Investec are known for complex income flexibility. Coutts has the broadest London residential presence. C. Hoare & Co handles the largest ultra-prime transactions. We identify which bank is most appropriate for your specific income, loan size, and property.
Do I need to place assets with a private bank to get a mortgage?
Most private banks prefer or require an AUM relationship alongside the mortgage. Some write dry mortgages with no AUM requirement for the right profile. A broker identifies which banks are willing to engage on a mortgage-only basis.
What is the minimum loan for a private bank mortgage?
Informal minimums of £1-2m apply at most private banks. Below £2m, specialist large-loan lenders often offer better rates without the AUM relationship requirement.
Can non-UK residents get a private bank mortgage in London?
Yes. Private banks are experienced with international HNW clients, non-UK income, and non-resident borrowers. Documentation requirements are more intensive but genuine product access exists.
How long does a private bank mortgage take to arrange?
6 to 12 weeks from initial approach to facility confirmation. Private bank due diligence is more intensive than standard lending. Starting the process early - particularly the valuation - keeps the overall timeline manageable.