High-Net-Worth Mortgages

Specialist high-net-worth mortgage advice from an experienced high-net-worth mortgage broker for high earners, business owners, and complex income clients, including £1m+ mortgages with private bank access.

  • Access to high-net-worth mortgage lenders & private banks
  • Experts in large mortgages and complex income
  • Tailored advice for high-net-worth clients
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389 reviews

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Your home or property may be repossessed if you do not keep up with your mortgage repayments.

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Matthew Gordon
26 October 2026
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They found me a great deal at a time where I was worried I might not be able to find any deal at all. There were a few complications along the way with conveyancing solicitors and Oportfolio were there to support and help keep things moving. Excellent all round service.
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Sophie Breakwell
25 September 2026
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Oliver, She-rel, Steve and the team are truly excellent. They have turned around my application, which was not straightforward due to being self-employed, quickly and efficiently. I could not be happier.
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Kerry-Leigh Maritz
6 May 2026
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Absolutely incredible assistance getting a great mortgage deal on a property others struggled with! I recommend them to everyone I know!
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Leo Hadden
2 October 2025
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In a world of professional servicepeople who promise the moon on a stick and rarely deliver, Jade's straight-talking blend of pragmatism and perseverance was very refreshing. We always felt we were in good hands - she left no stone unturned -communication was professional, and the entire experience perfectly pitched. We wouldn’t hesitate to recommend, and return. Thank you
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Sam Webb
25 February 2025
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Excellent service and support from start to current (mortgage now accepted). I was referred to Jade Pinkerton, but her entire team (including herself) have been immenseley helpful at all stages of the process. I came to them with a very weak and complicated case and their handling of it was exceptional. I will certainly be working with them again regarding remortgaging in the future. Highly recommend. Updating to say that throughout they were extremely responsive and helpful, I wish I could give more than 5 stars
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Paul Taylor
2 September 2024
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Jade & the team at Oportfolio have been excellent throughout the entire process. Our case was not simple and straightforward. We needed to get the finances in place very quickly in order to confidently make an offer on a property we had spontaneously viewed and fallen in love with no real prior plans to move house! Jade successfully navigated our complex scenario, negotiated at length with the lender and kept us informed and aware of every step in order to secure the mortgage we needed. We offered, exchanged and completed within 4 months and our now settling into our dream home. I cannot recommend Jade and the Oportfolio team enough, they went above and beyond for us, and were a pleasure to work with.
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Emily Worthington
24 May 2024
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The service that Oliver Whitehead and his team provide is first class and I would unreservedly recommend Oportfolio to anyone seeking mortgage advice. The initial consultation is thorough and the follow up and description of the available options follows quickly and, crucially, makes the complexities of buying mortgage products much more accessible and easy to understand. The Oportfolio team are supportive in every step of the process. Their customer service is stellar; they are always friendly, positive and efficient. Any obstacles that are encountered are dealt with swiftly; the team are superb at communicating how things are progressing and act frequently in liaison with solicitors and estate agents. I cannot recommend Oportfolio highly enough.
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Brian Robertson
10 February 2024
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Oliver and his team delivered a solution to a complex mortgage and a short deadline meaning we won the property we had been searching for in a competitive situation. A great result. The selling agent even said it was done in record timing!
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Chris Benn
22 November 2023
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Having hit a number of brick walls with my initial mortgage situation, Oliver's 'can-do' attitude and approach was extremely refreshing. Wouldn't hesitate to recommend Oliver and Oportfolio to others.
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Pina Roos
9 November 2023
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Oportfolio team you have done it again!! To get three mortgages pushed through against a lot of odds is just mind-blowing! Both my children is sorted and so are we, perseverance and not leaving a stone unturned is the key! Thank you for a service second to none, you get and understand your client's needs and this is exactly what Oliver and the Oportfolio team stands for! Thank you She-rel and Jade for an outstanding service!!! From all the Roses!
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Gaetano Alboreto
8 October 2023
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Jade, Molly, She-rel and the entire Oportfolio team helped us with our mortgage and life insurance, explaining us all the details and obtaining a good deal, despite our delicate situation (first time buyers with 2 job changes). They were also wonderful during the remortgage, going above and beyond the simple broker services, and helping with document verifications and guiding us on every step of the process.
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Johnny Hansom
12 September 2023
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You often don’t know how good a company is until something goes wrong and see how they handle it. Cannot recommend these guys enough - Oliver, Molly, She-rel and Jade were all brilliant. There were a lot of things that went wrong with my mortgage application due to failings at the bank (not Oportfolio) and it took significantly longer than inspected which created a very stressful situation and nearly caused the house purchase not to go through. Oportfolio worked relentlessly to help me resolve this with the bank, they escalated multiple times daily to make sure it remained a priority and get it over the finish line. Their level of calm, professionalism, patience and friendliness remained consistent throughout even when I had some very highly stressed phone calls with them - it is a real testament to how good they are and I’m very grateful for their support throughout the process.
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Caroline Mortimer
10 August 2023
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We have just received our mortgage offer, thanks to a HUGE amount of hard work and persistence that Oliver and Molly put in to get it over the line for us.. I can't tell you how much we appreciate all they have done! I'm not going to lie, I had some pretty down moments along the way, worrying that we wouldn't get it in such tough times.. but all the effort put in by the team at Oportfolio made it possible and Oliver was able to secure us a better rate than anticipated. Huge relief all round.. enormous thanks again and we wouldn't hesitate to recommend Oportfolio!
Google
Rosie Watterson
30 July 2023
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Amazing service provided by Oliver and Molly - not the easiest time to get a mortgage but so pleased to have you both on side, and you made the process painless. Thanks again
Google
Nicholas L
1 June 2022
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My experience with Oportfolio in helping me secure my first mortgagee under the guidance of Jade Pinkerton was nothing less than exceptional, especially given the fact that my circumstances were quite complicated, with several other brokers viewing my case as highly unfeasible in securing a mortgage. However, after speaking with Jade and explaining my tricky circumstances, she was resolute in her belief that she could still help me and true to her word she surely did, as Jade, along with her team, guided me step by step on the journey to securing a competitive mortgage deal through to completion! I truly couldn’t endorse Jade and her team at Oportfolio more! Superb communication with me throughout the entire process, ensuring that I fully understood all the intricate details of my deal, so I was able to always make informed decisions easily! I’m honestly very grateful. Thank you all once again!!
Google
Handan Guler
27 February 2022
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Received a fantastic service from Oliver and the team at OPortfolio. Everyone was very competent in their jobs and also very nice and happy to take the time to explain things that may not always be straight forward for a non-expert. They went above and beyond with helping me with unforeseen complications and I felt like I had a trustworthy advisor by my side. I highly recommend their services if you want a stress free and professional service. Thank you Oliver and the team at OPortfolio!
Google
Leslie Edwards
29 June 2021
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Oportfolio has now helped us with two mortgages. I have been very impressed by their ability to find the right mortgage for us, their perseverance, their constant updating to make sure the mortgage offer and conveyancing is on track. I would highly recommend using their services.
Google
Joanna Parker
30 October 2019
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Jade was amazing, every step of the way. Easily the best person we’ve dealt with in our house-buying experience. Always helpful, proactive and understanding of any obstacles that may arise. We wholeheartedly recommend this broker.

Mortgage Advice for High-Net-Worth Clients

High-net-worth mortgages are designed for individuals whose financial situations fall outside standard lending criteria. Working with a specialist high-net-worth mortgage broker is often essential to access the right lenders and structure your borrowing effectively.

We work with clients whose financial situations go beyond standard lending criteria.

This includes:

  • High earners (£150k–£1m+)
  • Business owners and entrepreneurs
  • Clients with complex or multiple income streams
  • Individuals looking to borrow £1m+
  • Property investors and portfolio landlords

If your situation doesn’t fit the “standard” mould, we can help.

High-Net-Worth Mortgages in London

How Much Can You Borrow with a High-Net-Worth Mortgage?

With high-net-worth mortgages, borrowing is often more flexible than standard lending.

A wide view of the Wandsworth Mills new development

Source: veretec.co.uk/projects/wandsworth-mills

Depending on your financial profile, borrowing can typically range from:

  • 5x–5.5x income (standard lenders)
  • 6x–7x+ income (specialist lenders)
  • Bespoke lending through private banks

Unlike standard mortgages, high-net-worth mortgage lenders may consider:

  • Total income (including bonuses, dividends, and investments)
  • Asset base and net worth
  • Long-term earning potential
  • Overall financial position

These options are particularly relevant for clients seeking a high-net-worth mortgage, where standard affordability models may not reflect true borrowing potential.

The right high-net-worth mortgage lender and structure can increase your borrowing by hundreds of thousands, or more.

Access to High-Net-Worth Mortgage Lenders & Private Banks

High-net-worth mortgage clients, particularly those seeking high-net-worth mortgages, often require access to lenders beyond the high street.

We provide access to:

  • High-net-worth mortgage lenders
  • Specialist mortgage providers
  • Private banks offering bespoke lending

Private banks, in particular, can offer:

  • Higher loan sizes
  • Flexible underwriting
  • Bespoke mortgage structures
  • Relationship-led lending decisions
Wandsworth, London

This ensures your mortgage is structured around your full financial profile, not just standard affordability models.

High-Net-Worth Mortgages for Complex Income

One of the biggest challenges with high-net-worth mortgages is how income is assessed.

A CGI of the entrance to Crown Wharf in Canning Town

Source: barratthomes.co.uk

Many high-net-worth clients have income that is not straightforward, including:

  • Bonus-heavy income
  • Dividends from limited companies
  • Retained profits
  • Multiple income streams
  • International income

Standard lenders often struggle with this.

A specialist high-net-worth mortgage approach ensures your income is presented correctly, which can significantly increase your borrowing potential.

This is especially important when applying for a high-net-worth mortgage, where how your income is assessed can significantly impact your borrowing.

Battersea Power Station, London

Recent High-Net-Worth Mortgage Results

Recent examples of high-net-worth mortgages that we have secured for clients:

  • Secured a £2.8m high-net-worth mortgage for a bonus-heavy professional
  • Approved a £1.8m mortgage for a self-employed client with complex income
  • Structured lending for a business owner using retained profits

High-net-worth mortgages require tailored solutions, and the right strategy makes a significant difference.

How We Secure High-Net-Worth Mortgages

As a specialist high-net-worth mortgage broker, we take a tailored approach to every high-net-worth mortgage. We:

  1. Understand your full financial position
  2. Identify the most suitable high-net-worth mortgage lenders
  3. Structure your application strategically
  4. Secure the most appropriate mortgage solution

Our focus is not just securing a mortgage but ensuring it supports your wider financial strategy.

Common High-Net-Worth Mortgage Mistakes

  • Not using a specialist high-net-worth mortgage broker when applying for a high-net-worth mortgage
  • Not structuring income correctly before applying
  • Focusing only on interest rates instead of overall strategy
  • Applying without expert guidance

These mistakes can significantly reduce your borrowing potential.

Balham, London

Speak to a High-Net-Worth Mortgage Specialist

If you’re a high earner, business owner, or looking to secure a large mortgage, specialist advice is essential.

Whether you’re a high earner, business owner, or looking to secure a large mortgage, we can help you navigate your options.

Book your free consultation or call us directly to discuss your situation.

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