Our Residential Mortgage Services

High-value first-time buyer lending, including stretched income multiples for high earners and professionals.

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For first-time buyers looking to stretch, we can arrange loans up to 6.5x loan-to-income — so to borrow £1m you only need to be earning around £153,847. We can also use fractional shareholding of companies to increase borrowing where standard income alone wouldn't reach the required level.

Loans arranged through specialist high-street teams, or via private banks where a bespoke solution is required.

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For home movers we can arrange loans through the specialist high-street teams that handle larger and more complex cases, or through private banks where a bespoke solution is required. Income multiples up to 6.5x are available, and we can use fractional shareholding of companies to increase borrowing capacity for directors and business owners.

Whether you're looking to save money, release equity, or restructure higher-value lending, we'll find the right deal.

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Switch to a better rate, release equity for further investment, or restructure existing higher-value lending. We have access to private banks and specialist desks for larger loans, and can use fractional shareholdings in companies to support borrowing where personal income alone wouldn't.

Standard mortgages of up to 90% LTV on a second residential property — for personal use, family, or occasional letting.

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For a second residential home we can arrange up to 90% loan-to-value on a standard mortgage — whether the property is for your own use, occupation by a family member, or ad-hoc holiday letting. Rates and criteria differ from buy-to-let and we'll guide you through the most cost-effective route.

Funding for building or converting a property that will become your primary or secondary home upon completion.

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Whether you're building a high-value home from scratch or converting an existing structure, development finance covers the construction phase. On completion the loan converts to a standard residential mortgage — and we can structure exit finance through private banks for larger schemes.

Up to 90% LTV bridging on loans up to £5m per property, available as a dry loan with no assets under management required.

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We can arrange bridging finance up to 90% loan-to-value, with loans up to £5m per property, on a dry-loan basis — no assets under management required. Through our private bank relationships we secure mortgage-level pricing on short-term lending, ideal for chain breaks, auction purchases, or securing a property quickly before long-term finance is in place.

UK property finance for expats and foreign nationals, including high-value and private bank solutions.

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British expats and foreign nationals investing in UK property often need lenders comfortable with overseas income, multiple currencies, and complex structures. We have access to private banks and specialist desks that handle higher-value lending and can incorporate fractional shareholdings to support borrowing.

Renovation finance, second-charge lending, and other bespoke solutions for higher-value residential property.

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From renovation finance and second-charge lending to bespoke private bank arrangements, we can structure a solution for almost any higher-value residential requirement — including using fractional company shareholdings to boost borrowing capacity.