When your financial life doesn’t follow the usual rules, standard mortgage lenders can let you down. Whether you’re an entrepreneur, business owner, investor, or professional with irregular income or assets tied up in property or shares—you need a mortgage that fits your financial reality.
At Mortgage Knight, we specialise in High Net Worth (HNW) mortgages, working with private banks, wealth-friendly lenders and underwriting teams who understand that income alone doesn’t define affordability.
HNW mortgages are ideal for individuals who:
We regularly support:
Traditional lenders often:
Our lenders focus on your total picture—including assets, business performance, and future growth—not just a payslip.
We build mortgages around your wealth, not despite it.
Status: James was a senior consultant earning a six-figure salary, with large annual NHS bonuses and private clinic earnings. Despite his income, his bank capped affordability due to “inconsistent” pay.
Solution: We placed him with a private lender who accepted bonus-led income over 2 years, granting him a £900,000 mortgage at 75% LTV with flexible terms.
Status: Rachel owned a successful design agency and had retained over £1.2m in profits—but only drew a £30,000 salary. Her bank declined her due to low personal income.
Solution: We secured a £1.1m mortgage using company performance, shareholder value, and retained earnings as part of the underwriting.
Status: David earned over £600,000 per year as an equity partner, but with variable monthly drawings and no PAYE slips. He also had substantial assets under management.
Solution: We secured a £1.75m mortgage using his last 3 years' profit shares and capital contributions, with a private lender familiar with professional partnerships.
A: Yes. We work with lenders who accept irregular, bonus, or project-based income—provided we can demonstrate a stable pattern.
A: Absolutely. Interest-only is common in HNW lending, especially where clients have strong exit plans or want to preserve capital.
A: Sometimes, particularly with private banks. However, we’ll be upfront about any requirements and help you evaluate the value they bring.
A: Yes. We work with lenders who accept USD, EUR, AED, CHF, and other major currencies—even if you live or work abroad part-time.
A: Of course. We regularly coordinate with clients’ existing advisers to ensure tax-efficient, well-structured lending.
The team made everything easy, even with my complicated income. I'd been turned away before, but not here.
