HIGH NET WORTH Mortgage in the United Kingdom - Capstone Finance

FCA defines high net worth individual, as someone who earns more than £300,000 per annum or has assets more than £3 million pounds.
If you fall into above class lenders will not follow the standard affordability criteria and will have more flexibility for lending. i.e., at times we have seen the HNW individuals do have large assets but not the required income to qualify for the mortgage criteria. However, most private banks can factor in those valuable liquid assets as part of affordability assessment and can take into consideration for the purpose of mortgage.     
Capstone Finance have excellent relationships with private banks whose lending criteria allows them to cater this important segment of the market. We understand the FCA’s rules on HNW mortgage requirements that is why we can source you the best solution no matter how complex the case maybe.