Making property finance work for you.
At Lumino Mortgages, we specialise in high net worth mortgage solutions tailored to affluent clients with complex financial profiles. Whether you have significant assets, income from multiple sources, or require a mortgage for a luxury property, we combine discretion, expertise, and a deep understanding of wealth based lending to secure funding that aligns with your long-term financial goals.
Why High Net Worth Clients Choose Lumino:
• Bespoke Lending Strategy
We don’t rely on standard underwriting. Instead, we assess your full financial picture-liquid assets, investment portfolios, property holdings, and other wealth-to present lenders with a complete narrative of your financial strength.
• Access to Specialist Lenders & Private Banks
We work closely with private banks, specialist lenders, and high value mortgage providers. This gives you access to tailored mortgage products that traditional high-street lenders may not offer.
• Flexible Underwriting for Complex Income
For high net worth individuals, income often comes from dividends, bonuses, investments, or businesses. We leverage this diversity in income to structure competitive mortgage solutions.
• Custom Repayment Options
We negotiate the most suitable repayment structures: interest-only, flexible repayment terms, or capital repayment - depending on your cash-flow needs, wealth preservation, and long-term plans.
• Discreet, Confidential Service
We understand the importance of privacy for HNW clients - all conversations are handled with the utmost discretion, ensuring your financial details remain secure.
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is £495.
High Net Worth Mortgage Solutions We Offer
1. Luxury Residential Mortgages
Tailored for high-value homes, including prime London properties and country Homes.
2. Asset-Backed Mortgages
Use your investments, property portfolio, or high-value assets (e.g. fine art, offshore holdings) as part of your mortgage application.
3. Interest‑Only / Flexible Repayment
Designed to optimise liquidity and cash flow, especially when your assets are more valuable than your salary.
4. Expats & Non-UK Residents
Bespoke mortgages for clients with international income or residency, including offshore lending solutions.
5. Buy-to-Let & Portfolio Financing
Large-scale or legacy property investments structured to maximise efficiency, flexibility, and return.
Important Considerations for High Net Worth Mortgages
• Wealth-Based Affordability:
Unlike standard mortgages, lenders will assess your total wealth—not just salary—to determine what you can borrow.
• Valuation of Assets:
Your non-cash assets (investments, property, trusts) may require careful valuation. These assets can strengthen your mortgage application.
• Complex Documentation:
Expect to provide tax returns, portfolio statements, trust or company documentation, and detailed asset breakdowns.
• Tailored Risk & Repayment Terms:
High net worth lending may offer higher LTV (loan-to-value) or more flexible terms, but risk assessments are bespoke and detailed.
• Time to Underwrite:
Because of the bespoke nature of HNW mortgages, the underwriting process may take longer than standard applications, requiring more coordination with private banks or specialist lenders.
How Lumino Works with You Through the HNW Process
- Confidential Initial Meeting
We begin with a discreet consultation to understand your wealth, income, investment strategy, and borrowing needs. - Asset & Income Profiling
We build a full profile of your financial situation - covering property, investments, business holdings, and cash - to position you optimally to lenders. - Lender Matching
Using our network of specialist high-value lenders, we identify those best suited to your unique profile, balancing rate, term, and flexibility. - Application & Structuring
We guide you through application, valuation, and any bespoke underwriting required, ensuring your financial narrative is clearly and persuasively presented. - Ongoing Wealth-Aligned Advice
After securing your mortgage, we continue advising on how your mortgage fits into your broader wealth strategy, including refinancing, investment planning, or future property acquisitions.
While definitions vary, many lenders consider HNW clients as those with significant assets or income, and tailor underwriting to total wealth, not just salary.
Yes - many HNW mortgages allow you to leverage investments, real estate, or other assets in your application.
Not always - while private banks are common lenders, there are also specialist lenders and large-scale mortgage providers who will assess HNW applications.
Because of the complexity, underwriting can take longer than standard mortgages. However, we coordinate every step to streamline the process as much as possible.
Yes - we can help structure a mortgage with interest-only or flexible repayment options, depending on liquidity and long-term goals.
Explore a Bespoke High Net Worth Mortgage
If you have substantial assets, complex income, or a high-value property, Lumino Mortgages can help you navigate the specialist mortgage world with confidence. Book a private, no-obligation consultation today and let us design a lending strategy that works for your wealth — not just your salary.