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What is a Private Bank Mortgage?

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.

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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 .

 

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.

 

Mint Specialist Services

Bridging Loans

A bridging loan or bridge loan is a short term loan given to ‘bridge the gap’ between you buying a new house and selling your previous house.

Secured Loans

Secured loans – also known as homeowner loans, home loans or second-charge mortgages – allow you to borrow money while using your home as ‘security’ (also called ‘collateral’). This means the lender can sell your property if you aren’t keeping up with repayments, as a way of getting their money back.

Expat Mortgage

An expatriate (often shortened to expat) is a person either temporarily or permanently residing in a country other than that of their citizenship

Portfolio Mortgages

There are now 2.5 million landlords in the UK and successful investors have been able to establish a Buy to Let portfolio of a number of properties. But changes by the Prudential Regulation Authority have introduced new checks for Buy to Let portfolio mortgages.

Offset Mortgages

The idea behind an offset mortgage is simple and straightforward. By linking your mortgage and your savings, you can bring down the cost of your loan. This is because rather than earning interest, your savings reduce the amount of interest you pay on your mortgage.

Self Employed Mortgages

ne of the misconceptions about the mortgage market is that it is now very difficult for self employed people to get a self employed mortgage loan in order to buy a home. It’s certainly true that one type of mortgage used by the self employed in the past (self certification mortgage) is no longer available – but for many self-employed people, their chances of being able to borrow are still just as good as anyone else’s.

Contractor Mortgages

Being a contractor can offer you flexibility and independence, but also uncertainty – especially when buying a home. But as the number of freelancers and independent contractors in the UK climbs, don’t despair – many mortgage lenders could be willing to lend to you, even if your income jumps around.

Self Build Mortgages

Building your own home is not for the faint hearted. And on top of everything else, you’ll need to take out a special self build mortgage to finance it. We can walk you through the self-build process step-by-step, from finding land to hiring professionals to help you.

Private Bank Mortgages

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.

Commercial Mortgages

Are you looking to expand your business? Have you realised that the cost of renting has become too great? If so, you might find that a commercial mortgage can offer business finance options you weren’t aware of. Here’s everything you need to know.