Ultra High Net Worth Mortgages, Bespoke Lending for Exceptional Clients
At Contractor Mortgage Solutions, we deliver private, flexible, and highly confidential mortgage services tailored for ultra high net worth individuals. Whether you’re acquiring a multimillion-pound residence, refinancing global assets, or expanding your property portfolio, our team connects you with exclusive private banks and lenders specialising in bespoke UHNW lending.
Tailored Mortgage Solutions for Ultra High Net Worth Individuals
Our UHNW mortgage services are designed for individuals whose wealth, assets, and income extend beyond traditional lending limits.
Private Bank Mortgages
We partner with top-tier private banks that provide discreet, flexible, and individually structured mortgage facilities for clients with substantial global assets.
Asset-Backed Lending
Use your investment portfolio, property holdings, or business assets to secure bespoke lending solutions that reflect your wealth structure and risk profile.
Large Loan Mortgages
From £3 million and beyond, our large mortgage solutions are fully customisable, offering interest-only, offset, or flexible repayment terms aligned with your liquidity and investment goals.
Global Property Finance
For clients with international interests, we arrange cross-border mortgage solutions that accommodate foreign income, offshore trusts, and global property portfolios.
We work with more than 120 mortgage lenders, including:
We Operate Based on Your Income
We specialise in securing mortgages for contractors and self-employed professionals based on their contract earnings alone ,not tax returns or accounts.
Over the last decade, we’ve helped thousands of clients, including high and ultra high net worth individuals, purchase their dream homes and investment properties. We collaborate daily with private banks and specialist lenders to provide bespoke mortgage options unavailable on the high street or mainstream platforms.
Use Our Calculator to Estimate Your Borrowing Power
Our calculator offers an initial guide to your potential borrowing capacity.
For an accurate UHNW lending assessment that reflects your full asset base, global income, and investment structure,
contact our private mortgage 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?
Experience a mortgage process built for your lifestyle ,discreet, personalised, and handled by experts who understand the complexity of ultra high net worth lending. From multi-million-pound residential purchases to international refinancing, we deliver tailored solutions for your ambitions.
Compare & Find the Right Mortgage for You
Don’t settle for generic solutions ,explore, compare, and secure the most exclusive mortgage deals tailored to your wealth profile.
Mortgage Comparison
Find the Right Second Mortgage in Minutes
Our comparison tool connects you with top lenders and private banks offering bespoke lending for UHNW clients. Compare terms, structures, and facilities with complete discretion.
Mortgage Quote
Get Your Personalised Second Mortgage Quote Instantly
Get a private, no-obligation quote designed around your wealth structure. Whether you hold assets through trusts, investment vehicles, or global income sources, our experts secure tailored rates that reflect your financial standing ,without affecting your credit score.
Why Choose Contractor Mortgage Solutions for UHNW Mortgages?
Testimonials
Charles P.
Investor, London
Discretion and professionalism at its best. CMS secured a complex £5m mortgage with ease and precision.
Dr. Helena S.
Executive, Monaco
They understood my global income and structured a facility that matched my private banking goals perfectly.
Rishi T.
Tech Founder, UK
CMS made a challenging large loan mortgage look effortless. Their access to private lenders is unmatched.
FAQ’s
What qualifies as an Ultra High Net Worth (UHNW) mortgage?
UHNW mortgages are typically for loans exceeding £3 million, tailored to clients with assets or net worths above £30 million.
Our Partners: https://mortgage-tek.co.uk/
Which lenders provide UHNW mortgages in the UK?
Primarily private banks and specialist lenders such as Coutts, Barclays Private Bank, and Investec ,accessed through intermediaries like CMS.
Can UHNW clients borrow using international or offshore income?
Yes. Lenders often assess total wealth, including foreign income, offshore trusts, and global investments.
Are interest-only or asset-backed mortgages available for UHNW borrowers?
Absolutely. Private lenders frequently offer flexible interest-only or asset-secured lending based on liquidity and wealth profile.
Is there a minimum or maximum lending limit?
While standard banks cap lending around £5 million, private lenders can exceed £20 million or more, depending on the client’s assets and structure.
How long does approval for UHNW mortgages take?
With proper documentation, approval can take between 3 to 6 weeks, often faster for clients with established private banking relationships.