Need a large mortgage loan? Tickford Mortgages specialises in high net worth mortgages for clients with complex income, international earnings, or private banking needs in Newport Pagnell and Milton Keynes. 

For high-net-worth individuals (HNWIs), navigating the standard mortgage market can often feel restrictive. Most mainstream UK lenders cap borrowing around £1 million to £1.5 million, and even then, they tend to impose strict loan-to-value (LTV) limits, rigid affordability criteria, and inflexible income assessments.

At Tickford Mortgages, we understand that traditional lending often doesn’t reflect the financial reality of high-earning individuals. Whether your income comes from complex investments, global assets, dividends, or multi-currency earnings, our specialist advice ensures your borrowing potential is properly understood — and maximised.

A high net worth mortgage is a bespoke lending solution designed for individuals seeking mortgage finance above typical market thresholds — usually starting from £1 million and often exceeding £5 million. These mortgages are highly tailored and are often offered by private banks, boutique lenders, and specialist wealth lenders rather than mainstream high-street banks.

What sets HNW mortgages apart is their flexibility. Lenders in this space are more likely to:

• ✅ Consider complex income structures (e.g. investment returns, dividends, trust income, director loans)
   
• ✅ Accept multiple currencies and offshore earnings
   
• ✅ Offer bespoke LTV ratios based on asset profiles
   
• ✅ Provide interest-only or hybrid repayment structures
   
• ✅ Create solutions for cross-border property purchases and UK non-domiciled clients
   

These mortgage products are typically suited to clients such as:

• 💼 Business owners and company directors
   
• 📈 Investors with substantial portfolios
   
• 🏦 Individuals with significant savings, trust funds, or investment income
   
• 🌍 UK residents earning in foreign currencies
   
• 🏠 Non-UK residents or expats purchasing UK property
   
• 💰 Clients seeking multi-million-pound mortgages for residential or investment purposes
   

Securing the right mortgage when dealing with significant sums requires experience, discretion, and a deep understanding of how private lenders operate. At Tickford Mortgages, we specialise in crafting bespoke lending strategies for HNW clients across Newport Pagnell, Milton Keynes, and beyond.

Here’s how we can help:

• 🤝 Direct Access to Private Banks & Specialist Lenders
  Many high net worth mortgage providers operate exclusively through trusted brokers. We have long-standing relationships with these lenders, giving you access to opportunities that aren’t available on the open market.
   
• 📊 Tailored Income Presentation
  We know how to present complex income profiles — including company dividends, retained profits, trust income, and foreign earnings — in a way that meets lender expectations and maximises your borrowing power.
   
• 🌍 Multi-Currency & International Expertise
  Whether you’re earning in US dollars, euros, or another currency, or investing in UK property from overseas, we understand how to structure an application that satisfies lenders with international capabilities.
   
• 🏘️ Comprehensive Lending Solutions
  We support a wide range of mortgage types, including:
   
  • Large residential property loans
     
  • Buy-to-let and investment property finance
     
  • Commercial property mortgages
     
  • Interest-only or blended repayment structures
     
  • Offshore and cross-border mortgage arrangements
    
     

Working with a specialist adviser is essential when large sums and complex financial structures are involved. Here’s why HNW clients trust us:

• 🏦 Private Bank Relationships – Our established partnerships give you access to lenders who don’t deal directly with the public.
   
• 📈 Proven Track Record – We have successfully arranged multi-million-pound mortgages for entrepreneurs, investors, and professionals across the UK.
   
• 🧠 Deep Market Knowledge – We understand how to leverage your assets, structure your income, and negotiate terms that match your financial goals.
   
• 🔐 Discreet, Personal Service – You’ll work one-to-one with a dedicated adviser from start to finish, ensuring confidentiality and continuity.
   
• ⚡ Swift, Efficient Process – We liaise directly with underwriters and decision-makers to accelerate approvals — crucial for time-sensitive transactions.
   

We regularly arrange bespoke mortgage solutions for:

• Luxury residential purchases and prime London property
   
• Multi-unit investment and portfolio lending
   
• Refinancing existing high-value loans to unlock capital
   
• Offshore structures for non-domiciled UK residents
   
• Loans based on assets under management (AUM) rather than standard income
   

At Tickford Mortgages, we understand that wealth brings complexity — and complexity requires expertise. Whether you’re purchasing a high-value residence, investing in prime property, or seeking a more flexible refinancing solution, our role is to open doors to lenders who understand your world.

📍 Supporting high net worth clients across Newport Pagnell, Milton Keynes, London, and internationally.
 

Arrange a confidential, no-obligation consultation with our HNW mortgage specialists today. We’ll review your financial profile, explore your lending options, and design a solution that works for you — no matter how complex your needs.

Your home may be repossessed if you do not keep up repayments on your mortgage.