Can lending be assessed on assets rather than income?

With the right lender, yes, several private banks and specialists lend against overall wealth and liquidity rather than payslip income alone. Structuring and evidencing that position is precisely what we prepare.

Does complex structuring, trusts, companies, cause problems?

Not with lenders who work in this market daily. Ownership through companies or trusts needs the right institution and clean documentation; we coordinate with your professional advisers to present it properly.

How discreet is the process?

Entirely. A small senior team handles your case, information goes only to the lender under consideration, and communication happens on your terms.

High-Net-Worth Mortgages

Wealth rarely fits a form. Lending should be built around it instead.

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The richer the picture, the worse the algorithm reads it

A high-net-worth mortgage recognises that substantial wealth is usually complex by construction: businesses, portfolios, trusts, property, and income arriving from several directions in several currencies. Standard affordability models flatten all of it into a salary multiple, and routinely fail people of considerable means.

The lenders who serve this market properly underwrite the whole balance sheet, price individually and move at the pace of the transaction. Reaching them, prepared, is the job of your broker.

How ERG helps

Balance-sheet underwriting:: Assets, investments, business interests and multi-source income presented as one coherent case, to lenders who assess exactly that.
Private banks and specialists:: Active relationships with institutions that don’t advertise and don’t deal direct. The natural home for substantial and unusual lending.
A senior, discreet team:: One experienced point of contact, complete confidentiality, and advice that coordinates with your accountant and advisers.

Detail, leather portfolio and fountain pen on a desk; old-money calm

Who we help

Clients we regularly act for:

Entrepreneurs and business owners
Senior executives and partners with bonus or equity income
Families purchasing significant or unusual homes
International buyers of UK property
Clients whose wealth sits in assets rather than salary

Large & High-Value Mortgages → Private Bank Mortgages → Complex Income Mortgages →

Frequently Asked Questions

With the right lender, yes, several private banks and specialists lend against overall wealth and liquidity rather than payslip income alone. Structuring and evidencing that position is precisely what we prepare.
Not with lenders who work in this market daily. Ownership through companies or trusts needs the right institution and clean documentation; we coordinate with your professional advisers to present it properly.
Entirely. A small senior team handles your case, information goes only to the lender under consideration, and communication happens on your terms.

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Your consultation

A 30-minute telephone call with one of our advisers. Tell us a little about your situation and we’ll match you with the right person.

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