Do I need to be an existing private-bank client?

No, that’s largely what the introduction solves. Some banks will want a broader relationship over time; others lend standalone. We’re upfront about which is which before any application.

Are private bank rates better or worse than the high street?

They’re individual. On complex or large cases they’re often more competitive than retail lenders, because the bank prices the actual risk rather than a category. On a simple case, the high street may win; we’ll tell you honestly.

What loan size justifies a private bank?

There’s no fixed entry point, but private banks generally suit larger or more complex lending. If your case is better served elsewhere, our whole-of-market position means we simply place it there instead.

Private Bank Mortgages

A market you can’t walk into, and the relationships that open it for you.

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The best lender for your case may not have a website form

Private banks lend differently: individually priced, manually underwritten, comfortable with complexity that defeats retail criteria, large loans, international income, asset-backed wealth, unusual properties. But they work through relationships, not applications.

That’s where a broker with genuine private-bank access earns their place: knowing which institution suits which client, and presenting the case the way their credit committees expect.

How ERG helps

Genuine access:: Active, current relationships with private banks and specialist institutions across the market, not a directory, a working network.
The right match, honestly made:: Each private bank has its own appetite, loan size, client profile, sometimes a wider relationship expectation. We’ll tell you the strings before you commit.
Cases prepared for credit committee:: Private bank lending is argued, not scored. We build the narrative and the numbers so the case lands first time.

Detail, wood-panelled meeting room corner, two coffees; relationship banking

Who we help

Cases that belong with private banks:

Large loans beyond retail appetite
Complex or international income structures
Asset-rich, income-light positions
Unusual, listed or high-value properties
Clients who value discretion and bespoke terms

High-Net-Worth Mortgages → Large & High-Value Mortgages → Expat Mortgages →

Frequently Asked Questions

No, that’s largely what the introduction solves. Some banks will want a broader relationship over time; others lend standalone. We’re upfront about which is which before any application.
They’re individual. On complex or large cases they’re often more competitive than retail lenders, because the bank prices the actual risk rather than a category. On a simple case, the high street may win; we’ll tell you honestly.
There’s no fixed entry point, but private banks generally suit larger or more complex lending. If your case is better served elsewhere, our whole-of-market position means we simply place it there instead.

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Check out our availability and book the date and time that works for you.

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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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