High Net Worth Mortgages, Bespoke Lending for Affluent Clients
Contractor Mortgage Solutions provides tailored mortgage solutions for high-net-worth individuals. Whether purchasing a luxury home, refinancing, or expanding your property portfolio, our team works with specialist lenders to secure flexible lending options designed for your unique financial profile.
Tailored Mortgage Solutions for HNW Clients
We understand that high-net-worth clients have unique borrowing needs. Our bespoke mortgage options are designed around your assets, income streams, and lifestyle requirements.
Luxury Residential Mortgages
Secure funding for high-value homes with flexible terms and tailored repayment options. Our advisers work with lenders who understand complex financial portfolios and non-standard income sources.
Investment & Buy-to-Let Mortgages
Expand or diversify your property investments with mortgage solutions that accommodate multiple income streams, corporate structures, and portfolio properties.
Remortgage & Refinancing Solutions
Looking to release equity or restructure existing loans? We provide HNW-focused remortgage options with exclusive rates and flexible repayment terms.
We work with more than 120 mortgage lenders, including:
We Operate Based on Your Income
We specialise in securing mortgages for high-net-worth clients based on their complex income streams, investments, and asset holdings ,not just traditional payslips or accounts. Over the past decade, we’ve helped affluent clients purchase luxury properties, refinance portfolios, and access bespoke mortgage solutions rarely found on the High Street.
How Much Can I Borrow
Use Our Calculator to Estimate Your Borrowing Power
Our calculator provides an indication of how much you could borrow based on your financial profile.
For a fully personalised high-net-worth mortgage assessment,
speak with one of our expert advisers.
Almost there!
Please provide your details to see your mortgage calculation resultsYour Estimated Borrowing Amount
Please note, that this calculator only provides indications of possible borrowings.
Contact us for a free bespoke contractor mortgage recommendation.
Ready to Discuss Your Options?
Don’t let traditional lending limitations hold you back. Secure a high-net-worth mortgage tailored to your income, assets, and lifestyle, and achieve your property goals with confidence.
Compare & Find the Right Mortgage for You
Don’t settle for less—explore, compare, and secure the best mortgage deal tailored to your wealth and financial goals.
Mortgage Comparison
Find the Right Second Mortgage in Minutes
Our comparison tool allows you to explore deals from specialist lenders experienced with high-net-worth clients, comparing interest rates, loan terms, and repayment options in one place.
Mortgage Quote
Get Your Personalised Second Mortgage Quote Instantly
Want to know how much you can borrow and at what rate? Our quick quote tool provides a no-obligation estimate based on your complex income streams and assets. With no impact on your credit score, you can explore your options confidently.
Why Choose Contractor Mortgage Solutions for High Net Worth Mortgages?
Testimonials
What Our Foreign National Clients Say
Edward J.
Entrepreneur, UK
CMS provided expert guidance for purchasing a luxury property, understanding my portfolio and income streams perfectly.
Amelia R.
Investor, UK
Their bespoke approach to HNW mortgages made refinancing my portfolio seamless and stress-free.
Thomas W.
Director, UK
CMS arranged a high-value mortgage that standard banks couldn’t offer. Exceptional service and advice.
FAQ’s
What qualifies as a high-net-worth mortgage?
Mortgages typically above £500,000 or with clients who have complex income streams, investments, or significant assets.
Our Partners: https://mortgage-tek.co.uk/
Can HNW clients get mortgages without standard payslips?
Yes. Specialist lenders consider asset holdings, investment income, and complex financial structures.
Are there limits on luxury or portfolio properties?
Most lenders have higher lending limits for HNW clients, including multiple properties or high-value estates.
How is borrowing capacity assessed for high-net-worth clients?
Lenders assess income, assets, liabilities, and overall financial portfolio rather than relying solely on salary.
Can I refinance multiple properties under HNW mortgages?
Yes. We provide bespoke remortgage solutions for property portfolios, enabling equity release or restructuring of multiple loans.
How long does the HNW mortgage process take?
Timelines vary, but our experience and lender relationships allow for faster, streamlined approvals for high-net-worth clients.