Super Prime Property Mortgages
Super prime residential mortgages above £5 million for prime central London, significant country estates, and trophy residential assets - from private banks and institutional funders with the appetite and expertise for the most significant residential transactions.
Bespoke lending for exceptional properties
Super prime residential property - typically defined as above £5 million in prime central London, or the most significant country estates and rural residential assets - requires a lender approach that is entirely bespoke. Loan-to-value considerations give way to holistic wealth assessment. Income assessment incorporates complex structures that no formula captures. Senior RICS valuers with specific experience in the relevant market segment are essential. Private bank credit committees review each case individually.
Super prime residential - every transaction placed
Private Bank Access
C. Hoare & Co, Coutts, Arbuthnot Latham, and international private bank partners are the primary mortgage providers for super prime residential property. We have established relationships with each bank's credit decision-makers.
Holistic Wealth Assessment
At super prime level, total balance sheet - investment portfolios, business equity, other real estate, and future earnings trajectory - informs the credit decision rather than a straightforward income calculation.
Bespoke Interest Only Structures
Long-term interest only over 15 to 25 years with flexible repayment provisions - investment portfolios, sale of business interests, other property, and structured estate planning - designed around the borrower's total wealth position.
Prime Central London Trophy Assets
Properties transacting at £10m to £50m+ in Mayfair, Belgravia, and Knightsbridge. Senior RICS valuers with transaction experience at this level - not general residential valuers - are required for accurate assessment.
Country Estates and Rural Trophy Property
Significant country estates, stately homes, and substantial rural residential with land and outbuildings - assessed by specialist rural property valuers and private bank underwriters experienced with this specific asset class.
International and Cross-Border Structuring
Super prime residential purchases frequently involve offshore structures, non-UK income, and multi-jurisdictional estate planning. We work alongside the borrower's legal and tax advisers to structure the mortgage appropriately.
How it works
Confidential wealth and property review
A confidential review of total wealth position, income structure, and property. No upfront fee on loans above £1m. We identify the most appropriate private bank for the specific transaction.
Private bank introduction
Introduction through established private bank relationships rather than cold application. Super prime transactions placed through known broker relationships receive more senior and faster credit attention.
Specialist valuation
Senior RICS valuers with specific experience in the relevant super prime market segment - prime central London, significant country estate, or other. The right valuer is as important as the right lender at this level.
Bespoke facility and completion
Bespoke private bank facilities for super prime residential: typically 8 to 16 weeks from initial approach to facility confirmation, depending on the complexity of income, wealth structure, and property.
Acquiring a super prime property?
Tell us the property, loan size, and wealth structure. We return indicative private bank terms within 48 hours. Absolute discretion guaranteed.
Frequently asked questions
What defines a super prime property for mortgage purposes?
Typically residential property above £5m - particularly in prime central London, significant UK country estates, and other trophy residential assets. The buyer and income profile at this level requires bespoke private bank rather than standard specialist lender assessment.
Which lenders handle super prime residential transactions?
C. Hoare & Co, Coutts, Arbuthnot Latham, and international private bank partners. For the most significant transactions, institutional funders can also be engaged alongside a private bank. We identify the most appropriate primary lender for each transaction.
Is a standard LTV assessment applied at super prime level?
Not typically. At super prime level, the loan-to-value is one input into a holistic wealth assessment rather than the primary determinant. Total balance sheet - investment portfolios, business equity, and other real estate - informs how much the bank is willing to lend.
Can offshore income and structures support a super prime mortgage?
Yes. Private banks at this level are experienced with international clients, offshore income, and cross-border structures. The legal and tax structuring is handled alongside the mortgage - we work with the borrower's advisers to ensure consistency.
What level of confidentiality applies to super prime mortgage applications?
Complete discretion. Private bank processes at this level are conducted confidentially between the borrower, the broker, and the bank's credit team. No information is shared externally.