Private Bank Mortgages

Bespoke, discreet lending for complex and high-value circumstances, and how private banks differ from the high street.

In this guide

Why private banks underwrite differently
Complex structures: offshore, trusts and other currencies
A fictional, illustrative case study

A different kind of lender relationship

Private banks treat each client individually rather than fitting them to a standard product. This lets them design a facility around your circumstances, whether for a home, an investment or a more complex acquisition.

Why choose a private bank

Complex or international income. Private banks are often more comfortable with multiple income sources, overseas earnings, bonuses, carried interest or business ownership.
Discretion. Service is built around confidentiality and a dedicated relationship manager.
Flexible structures. Loans can be arranged through companies, trusts or offshore jurisdictions, in other currencies, or on an interest-only basis, which are rarely available on the high street.

Relationships Matter Here

Access to this market depends on established relationships with individual private banks. Many expect you to hold or move investments or deposits with them as part of the relationship. A broker with direct connections can present your case the way each bank needs to see it and negotiate terms that reflect your full financial picture.

Is a private bank right for you?

Private bank lending is not always the best route for a large mortgage. A specialist or mainstream lender may offer better value for a straightforward purchase. Comparing both is where independent, whole-of-market advice adds value. Remember too the High Value Council Tax Surcharge on homes in England over £2 million from April 2028.

Where a loan is in a different currency to your income, exchange-rate movements can increase the amount you owe and your repayments, so this needs careful advice.

Illustrative example · not a real client

Structuring across borders: a fictional case study

Yusuf, an entrepreneur with income from three countries and assets in more than one currency, needed to finance a £3.4 million London purchase through a family trust. His adviser's relationships with several private banks meant his full financial picture was presented from the start, resulting in a facility built around his actual circumstances.

Names, figures and circumstances are fictional and illustrative only. They do not represent an actual client of Our Mortgage Broker Limited.

Need a bespoke lending solution?

Speak to a CeMAP-qualified OMB adviser: whole-of-market advice, with any fee confirmed in writing before you proceed. Read more about private bank mortgages.

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Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let and commercial mortgages are not regulated by the Financial Conduct Authority. Our Mortgage Broker Limited is authorised and regulated by the Financial Conduct Authority (FRN 944663). Registered in England and Wales, company no. 11358646. Registered office: 23 Berkeley Square, Mayfair, London W1J 6HE. There may be a fee for mortgage advice: we may charge up to 1% of the loan amount, and our typical fee is £500. Your fee agreement sets out the exact fee and when it is payable (at decision in principle, application or mortgage offer); fees are not refundable once due. We usually also receive commission from the lender. This guide is general information only and is not personal advice. Case studies are fictional, illustrative examples and do not represent real clients. Rates, tax and regulatory information are correct as at October 2026 and may change, including at the Autumn Budget on 28 October 2026.