Learn how high net worth individuals structure mortgages using bonus income, assets, private banking, and bespoke lending solutions.
Getting a Mortgage as a High Net Worth Individual
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Articles by
Louis Mason
Louis Mason
In Conversation with TaxAssist Putney: Mortgage & Tax Advice for Buyers, Landlords & the Self-Employed
Oportfolio Mortgages speaks with Beyant Khosti from TaxAssist Putney about self-employed mortgages, landlord taxation, financial preparation, and what buyers need to know before purchasing property in London.
How Long Does a Mortgage Offer Last in the UK?
Learn how long mortgage offers last in the UK, what happens if your mortgage offer expires, and whether lenders allow extensions.
UK Mortgage Market Update – 27th of April 2026
Mortgage rates in the UK rose again in the third week of April 2026 as lenders adjusted pricing. Here’s what it means for buyers and remortgages.
Large Mortgage Case Study UK: How We Secured a Better Rate on a £1m Mortgage
Arranging a large mortgage? See how a small change saved our client money on a £1m+ loan. Specialist advice for high-value mortgages in the UK.
Mortgage Affordability in London (2026 Update)
London property prices continue to outpace salaries, but how much do you actually need to earn to buy in London? In this 2026 report, we break down average salaries, mortgage borrowing power, and the real affordability gap facing buyers across the capital.
Does Changing Jobs Affect Your Mortgage Application in the UK?
Changing jobs before applying for a mortgage in the UK? Learn how it affects approval, probation periods, and borrowing in this 2026 guide.
£1 Million Salary Mortgage UK: How Much Can You Borrow?
If you earn £1 million a year, your mortgage options go far beyond standard high street lending. At this level, you’re likely to be considered a high net worth (HNW) or ultra high net worth (UHNW) client, meaning lenders can offer bespoke mortgage solutions tailored...
UK Mortgage Market Update – 20th of April 2026
Mortgage rates remain high in April 2026, although pricing eased slightly this week. Here’s what it means for UK buyers and homeowners.
Securing a £1.2M Mortgage for a Client with Bonus Income (Case Study)
See how a £1.2M mortgage was approved using bonus income and why choosing the right lender can significantly increase borrowing potential.
What Salary Do I Need for a £2 Million Mortgage in the UK?
In most cases, you’ll need a household income of around £400,000–£500,000 to secure a £2 million mortgage in the UK, depending on your deposit size, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, lender calculations,...
Why Did My Mortgage Application Get Declined in the UK?
Mortgage declined in the UK? Learn the most common reasons lenders reject applications and what you can do to improve your chances.
£500k Salary Mortgage UK: How Much Can You Borrow?
If you earn £500,000 a year, you have access to some of the most flexible and powerful mortgage options in the UK, but that doesn’t mean every lender will offer you the best deal. In fact, high earners often require specialist lenders or private banks to unlock the...
UK Mortgage Market Update – 13th of April 2026
Mortgage rates rose again this week as lenders repriced deals and market uncertainty increased. Here’s what it means for UK buyers and homeowners.
What to Do If Mortgage Rates Are Rising in the UK
Mortgage rates rising in the UK? Learn what to do if your fixed rate is ending and how to manage higher payments with the right strategy.
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