What is a Private Bank Mortgage?

Mint FS specialise in applications via Private Bank routes - call us today

Many borrowers needing a larger loan are unaware of the bespoke offerings that private banks have. With a product specifically tailored for you and your income, you may be surprised what our relationships in this area can achieve.

High street lenders tend not to have the underwriting expertise to offer large mortgages to clients who have complex financial affairs, so finding the right one for your circumstances can be daunting.

How can we help?

Mint FS is an independent mortgage broker that has strong relationships with the UK private banks who do not have a high-street presence and do have experience of high net worth individuals’ specific financial requirements. We arrange bespoke private bank mortgages for our clients, providing a tailored one-to-one advisory service, delivered utilising the latest technology to save you both time, hassle and money.

We work with lenders such as Coutts, Investec, Deutsche Bank and Handlesbanken to name a few. 

Private banks tend to offer bespoke deals on property finance, depending on the property involved and the borrower’s individual circumstances. Contact us now for the best terms we can negotiate on your behalf .


Private Bank mortgages are not more complex but more complicated - you need an expert such as Mint FS to make sure you are advised correctly.

With different lending criteria, rates and charges imposed by the various lenders who offer large mortgages, it is important that we negotiate the right deal for you. We work efficiently and quickly on your behalf, understanding that speed is often of the essence.

We are with you from start to finish; there’s no need for you to chase the lender or other professionals involved in the process.

How do Private Bank Mortgages differ from normal residential mortgages?

Some private banks will ask for up to 50% of an agreed mortgage amount in assets to be transferred as part of the deal, although we have access to a number of banks which are not so strict. They do not ask for assets to be transferred as part of the transaction.

Many private banks will offer mortgages to applicants if:

  • Your remuneration income is more complex
  • You require a large mortgage loan
  • You receive income through a trust or investment portfolio
  • You are a foreign national or expat

Private Bank Mortgages are bespoke, so our job is to listen and to work with you to find a solution which is unique to your circumstances – we will work hard to find the optimal terms available for your financial situation.


Want to know more?

Need more information? – call the experts now at Mint FS on 0330 1355914 or complete our contact form and we will call you back.