High Net Worth Mortgages for High Income Households

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.

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.

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.

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.

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.

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.