How Can John Charcol Help with Private Bank Mortgages?

If you are a high-net-worth individual looking for a mortgage lender that understands your unique property needs, you may find that a private bank mortgage offers you far more tailored experience than the standard products advertised by high street lenders.

Homebuyers with complex incomes or wealth streams may find their mortgage options restricted if they approach traditional high street lenders, who typically apply a “tick box” approach to assessing whether to grant a mortgage. Private banks consider options on a case-by-case basis, often considering an individual borrower’s ability to fund their mortgage by taking account their wealth in addition to income.

Private bank mortgages are often bespoke to the individual borrower. Finding the right funding partner and negotiating terms and repayment methods can be inherently complex, requiring careful consideration and meticulous execution. Your new property may also be subject to non-standard construction for a mortgage, so it's important to discuss with a specialist broker.

At John Charcol, we have over 45 years of experience helping medium and high-net-worth clients to find the right mortgage at terms which fit their life aspirations, income and wealth. We understand our clients are busy people so we ensure our service is tailored to their sometimes hectic schedules. Learn more about the specialist mortgages we can help with.


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We Can Help with a Broad Range of Options, Including:

Our network of private bank contacts affords us the luxury of being able to negotiate directly with underwriters at private banks who we know have a proven track record in closing larger mortgage deals for our clients.

John Charcol Expert Tip - February 2024

"For affluent individuals seeking a mortgage provider attuned to their distinctive property requirements, a private bank mortgage can present a more personalized experience compared to conventional offerings promoted by mainstream lenders. Homebuyers navigating intricate income structures or diverse wealth streams may encounter limitations when approaching traditional high street lenders, who often employ a standardized criteria-based assessment for mortgage approvals. In contrast, private banks adopt a nuanced approach, evaluating mortgage applications on a case-by-case basis. This method encompasses a thorough consideration of an individual borrower's capacity to finance their mortgage, accounting not only for income but also leveraging an assessment of their overall wealth."

- Mortgage Technical Manager Nick Mendes, CeMAP qualified

Private Bank vs High Street Lender

Many high street lenders will not have the expertise to process particularly complicated or high-net-worth cases in a timely manner. John Charcol has relationships with a number of specialist private banks that are able to provide a more flexible bespoke perspective on an applicant’s affordability.

Private banks assess each mortgage lending decision on an individual basis, taking into account a potential borrower’s assets and the bigger financial picture. Knowing exactly which lenders to approach with these complex cases is something that John Charcol has been practicing for over 45 years. In this case, experience really does matter.

Home Insurance

We’re partners with Legal and General, so we can find you buildings and contents insurance for your new property. 

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It's important to protect yourself against the unforeseen. Our in-house team can organise mortgage protection that's tailored to suit your unique needs.

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JC Legal

We have access to a select panel of trusted conveyancers and solicitors so, not only do we organise your mortgage, we can refer you to a trusted solicitor for the conveyancing part of the process.

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We can help you prepare your property for tenants with our exclusive Concierge Service - available through our partners Just Move In. They’ll arrange all the removals and can set up things like Council Tax. 

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