High Net Worth Mortgages for High Income Households

For those high-net-worth, high-income earners in a household who earn in excess of £100k per annum (sole or joint).

Mortgages for High Income
Welcome to Swansea Building Society's Mortgages for High Income

Our society offers a range of mortgage products with preferential interest rates specifically tailored to high income households who are looking to buy or remortgage their property. We understand that each customer's needs are unique, which is why we provide a personalised service to help you find the right mortgage to suit your individual circumstances.

At Swansea Building Society, we recognise that high income households may have complex income streams or financial arrangements, which is why we take a flexible approach when assessing affordability. We offer preferential interest rates, and our mortgages can be tailored to meet your specific requirements.

Bespoke High Income Mortgage Support

Our expert mortgage advisors are on hand to guide you through the application process and answer any questions you may have. We understand that applying for a mortgage can be a daunting task, especially for high-net-worth individuals, which is why we offer a bespoke service to make the process as smooth and stress-free as possible.

Our mortgages for high income households are tailored to your needs at preferential rates and we also offer interest-only mortgages, subject to criteria, which can be a useful option for those looking to maximise their cash flow or for those with investments they wish to retain.

We believe in providing transparency to our customers, which is why we clearly outline all fees and charges associated with our mortgages. There are no hidden costs, and our team will ensure that you are fully informed before proceeding with any mortgage application.

Committed to helping you achieve your goals

At Swansea Building Society, we pride ourselves on being a mutual society, which means that we are owned by our members and operate for their benefit. As such, we take a long-term view and aim to build lasting relationships with our customers. Whether you are a first-time buyer or an experienced property investor, we are committed to helping you achieve your goals.

So, if you are a high-income household looking for a mortgage, we encourage you to get in touch with us today. Our expert team will be delighted to discuss your requirements and help you find the right mortgage to suit your needs.

Why Are Mortgages for High-Net-Worth Individuals More Complex?

When it comes to mortgages for high-net-worth individuals, we consider specific factors that standard mortgage calculations do not typically take into account. We assess a client's profile, income, assets, and other factors to determine the loan amount and structure the finance accordingly.

Does Net Worth Affect a Mortgage?

For high-net-worth individuals, net worth can affect a mortgage, making the standard residential mortgage application process challenging. These individuals often have irregular incomes due to their wealth coming from various sources like investments, trusts, and inheritances across different territories.

What is Considered High Net Worth?

Where a sole or joint application has income of minimum £100k.

Please note that from the Financial Conduct Authority's perspective, those high-net-worth individuals that have a net income of at least £300,000 or net assets of at least £3 million do not need to have an affordability assessment undertaken at application.

What Can High Net Worth Individuals Borrow?

The loan amount varies significantly depending on individual circumstances, and it's highly dependent on individual cases. Using our personal, tailored and common sense approach to lending and manually underwriting all cases, our mortgage advisors will be able to structure a case that meets your needs.

Mortgage Interest Rates

(click on the mortgage product name for more information)

Residential Purchase/


Maximum Loan to Value of Property (LTV)

Variable Interest Rate

The overall cost for comparison is*

APRC based on a loan value of:

High Income Mortgage (HNW24)

1.80% discount off Standard Variable Rate (SVR) for term of loan



5.90% APRC


Local Mortgage Manager

Please contact your local mortgage manager today for more information.

Alternatively, please complete the call me back page and one of our mortgage managers will contact you.

Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.