Private Mortgage Lenders

For many people, sourcing a mortgage is relatively simple, as long as they have a deposit in place, a good credit rating and can afford the loan to value difference.

SINCE 2004

Helping You to Secure Your Future With Bespoke Private Mortgage Solutions

For many people, sourcing a mortgage is relatively simple, as long as they have a deposit in place, a good credit rating and can afford the loan to value difference. But what if you want to borrow a significant amount of money would prefer to maintain cash liquidity, you’ll need a more bespoke solution.

We provide bespoke support for clients that want to take advantage of private mortgages but don’t necessarily know how to broker a deal themselves. As one of the UK’s leading finance brokers, we’ll work with you to secure the best mortgage agreement for your personal needs.

What Does a Private Mortgage Lender Offer?

High street banks and lenders serve the general public, and most have limits on how much money you can put into your account. But private banks for high net worth individuals provide wealth management and more flexible solutions.

Some high street banks such as HSBC have a separate private banking sector, and the process of borrowing money is often judged on a case by case basis instead of a general application form.

Most will also look at your potential financial future and often provide mortgages even if you don’t meet the affordability criteria, so they’re an excellent option for investors and often provide better opportunities than high street lenders.

Why Private Banks Could Be The Best Solution For You

As with many lending solutions, there are positives and negatives associated with private finance. If you’re looking for flexibility and a tailored solution, lending through a private bank has many benefits.

The VIP Treatment

While high street banks deal with many customers and often have a standard application process, private banks offer a more bespoke service, which usually comes with special treatment. If you prefer a personalised approach, you won’t be disappointed with your private lender.

Many Private Banks Are More Flexible

Private banks use the asset under management model, which is designed to address credit issues. While nobody will lend to someone with an awful credit rating, if you can prove that your financial assets can offset your credit score, you should be able to secure private finance.

The good thing about private banks is they take a more holistic approach to evaluate you as a mortgage candidate. Instead of focusing on your income and credit, they’ll take your pension and physical assets into account, which can help you to secure the terms you want.

Even items such as jewellery, cars and antiques of worth are considered when awarding a mortgage, so private banks can be ideal if you have a small income but own shares in a company.

There Are More Products

Dealing with private banks means you can often take advantage of various products, including the £500,000 and up mortgage range. There’s also the opportunity for lower interest rates, longer terms and a higher loan to value (LTV) incentive.

Most high street lenders have preset mortgage agreements, and if you don’t meet their requirements, they’ll refuse you as an applicant. However, private lenders are different because they can build a mortgage agreement tailored to your financial circumstances.

The case by case approach means every customer gets bespoke mortgage advice and can secure the right lending deal, which isn’t something that usually happens with high street banks.

Potential Drawbacks to Consider

In some cases, a traditional lender might suit your needs more if you’re worried about your financial future. As private banking comes with a highly personalised service, it can also result in more fees, which might not be the right solution if you don’t have a generous income.

Other disadvantages include how difficult it is to access private banks, with some of the more exclusive branches being invite-only providers for high net worth borrowers.

However, there are plenty of ways to access these banks, including securing financial advice from specialist brokers, who will approach private mortgage lenders on your behalf.

How Can Loan X Help You to Find the Right Private Mortgage Lenders

When it comes to securing private bank mortgages, there are many things to consider. Our clients come to us because they need help finding suitable lenders and agreeing on lending criteria that suit both parties.

As a company experienced in providing financial solutions and brokering attractive deals, we can support you in all elements of navigating private banks.

The process is somewhat different from mainstream lenders, but our team offers a fully bespoke service so that you can secure the best possible deal for your needs.

Mortgage Lending Solutions

Whether you want to secure a mortgage for £500,000 or £25 million, our team of financial advisors and brokers can help you to find the right private mortgage lenders. We’ll work with you to define what is most important and put together a case that you can use to secure private finance.

In the past, we’ve supported clients to get large mortgages, which can be up to a 95% LTV rate. These agreements must be brokered professionally, and our advisors have experience working with clients to ensure they get the results they want.

Interest Only Mortgages

Interest-only mortgages can provide some relief for some people, which is beneficial to save money. With an interest-only mortgage, you only need to pay the interest each month instead of a set amount to pay off your loan.

They differ from traditional repayment mortgages because you only pay back a small amount, which means you can free yourself of financial obligations and put the money towards other things. However, it does mean that you’ll have to pay back the amount when you decide to sell the property.

We can help you secure private bank mortgages and find you the right deal to secure a property that suits your individual circumstances.

Specialists in Bridging Finance

Bridging loans can be beneficial to secure a property, especially when you plan to rent it out or sell it at a profit. Our financial specialists provide bespoke deals and always go the extra mile to secure the right bridging loan agreement.

We can also help you develop an exit strategy, making you more appealing to private lenders. Bridging loans are debt secured against your property, so it’s essential to understand that the home may be repossessed if you don’t make your repayments.

If you need some help negotiating terms for your bridge loan, we can support you with residential and commercial applications.

We Offer a Fully Professional Service

We understand how difficult it can be to navigate private banks, so our team is always available to support you with everything from securing a mortgage to understanding private bank mortgage rates.

Our financial advisors can also work with you to make you a more attractive borrower and define which of your assets can help you secure a better deal.

Working With Loan X Means You Can:


  • Secure a private mortgage with a high LTV
  • Find a solution that takes your prospected financial options into account
  • Choose from a range of solutions, including interest-only mortgages
  • Benefit from our bespoke approach to financial support

Would You Like to Discuss Private Bank Mortgages?

When it comes to securing funds for a mortgage, our specialist services are designed to help to secure the best deal for your needs. We’ve worked with high net value clients for many years to secure private bank mortgages with attractive terms.

If you’d like to discuss your options, please feel free to contact our friendly customer service team. They’ll be able to offer advice and put together a plan so you can get the best possible deal. Get in touch today through our website contact form, email or phone, and we’ll help you plan for a better future.