Private Mortgages: detailed guide

A private bank mortgage is a mortgage provided by a private bank, usually to high net worth clients, and underwritten on a bespoke basis rather than through standard affordability models. Private banks assess the borrower’s overall wealth, income streams, and asset position, which allows greater flexibility on loan size, interest-only borrowing, and complex ownership structures.

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A private home loan is a residential mortgage arranged through a private bank or specialist lender for a home the borrower will live in, rather than an investment property.

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A mortgage loan from a private individual is an arrangement where a person, often a family member or private investor, lends money secured against a property instead of a bank. These privately funded arrangements sit outside mainstream mortgage products and carry legal and regulatory considerations for both parties, including whether the lender requires FCA authorisation for regulated mortgage contracts.

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Private mortgage lenders are specialist, non-high-street lenders and private mortgage companies that provide mortgage finance outside standard bank criteria. Unlike private banks, most private mortgage companies do not require a wider banking or investment relationship; the lending decision is based on the security, the borrower profile, and the exit or repayment strategy.

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A large mortgage, sometimes called a million-plus mortgage, is a loan size above the comfortable lending range of most high street banks and is usually arranged through private banks or specialist large loan lenders. Loan size thresholds vary by lender.

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