When you’re buying a multi-million-pound property or leveraging complex global income, a standard mortgage won’t cut it. Whether you’re an entrepreneur, investor, company director, or global executive, you need a mortgage solution that reflects your financial world.
At Mortgage Knight, we specialise in sourcing bespoke, discreet, ultra-high-net-worth (UHNW) mortgage solutions through a network of private banks and specialist lenders, designed around your assets, not box-ticking rules.
Wherever you’re based—UAE, India, Nigeria, Hong Kong, South Africa, the US, or beyond—we can help you access UK mortgage products without needing to step foot in the country.
Traditional high street lenders often fall short due to:
We work directly with private banks, boutique lenders, and family office-focused funders who offer:
Status:A client with £20m+ net worth based in Hong Kong was looking to purchase a £6.5m apartment in Central London for family use.
Challenge: Traditional banks wouldn’t consider his structure (paid in USD, with income flowing via a Cayman holding company).
Solution: We introduced a private bank that understood complex corporate income and offered a £4.5m interest-only mortgage at 65% LTV, with wealth management bundled in.
Status: Client received a relatively modest base salary but earned £2m+ annually through bonuses and carried interest. He was buying a £5.2m country estate.
Challenge: Affordability models at retail banks ignored the majority of his income.
Solution: We secured a 75% LTV loan through a boutique lender using average income over three years and asset-backed reserves to offset risk.
Status: A property was being purchased via a Jersey-based trust structure for generational planning.
Challenge: Multiple decision-makers, complex ownership, and tight timelines.
Solution: We arranged a £9m mortgage against a £15m property using a specialist lender familiar with offshore trusts and supported legal coordination across jurisdictions.
A: Typically £1 million+, though we can assist with high six-figure loans for complex cases.
A: Yes. Many of our clients are based overseas. As long as the asset is in the UK and income is provable, we can help.
A: Yes. Many UHNW mortgages are structured as interest-only or offset, especially when the property is part of a long-term wealth plan.
A: Yes. We work with lenders who understand corporate entities, family trusts, and offshore vehicles.
A: In many cases, yes—especially with private banks. But this is often offset by better terms, concierge service, and wealth management benefits.
The team made everything easy, even with my complicated income. I'd been turned away before, but not here.
