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At Azembel, we understand that high-net-worth (HNW) individuals don’t fit into a traditional mortgage model. Whether your wealth is tied up in property, business, or overseas investments, securing a mortgage that aligns with your financial complexity requires deep expertise and specialist relationships with private lenders.
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We offer tailored mortgage solutions for high-net-worth clients across London and the UK — including business owners, investors, entrepreneurs, and international clients with global income structures. Our bespoke approach ensures you can access large mortgage loans efficiently, discreetly, and with favourable terms.
Our professional team of property finance brokers specialise in securing mortgages for non-resident British domicile clients.
In the UK, a high-net-worth individual is typically defined as someone who:
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At Azembel, we take a hands-on approach to sourcing high-value mortgage solutions tailored to your financial goals. Our expertise includes:
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Large Mortgage Loans: We arrange mortgages of £1 million+ for residential or buy-to-let purposes. Whether you’re purchasing a primary residence in Kensington or refinancing an investment property portfolio, we secure favourable terms through private banks and specialist lenders.
2. Interest-Only Mortgages: Many high-net-worth borrowers prefer interest-only arrangements to maintain liquidity or invest capital elsewhere. We ensure these are structured with clear exit strategies — such as asset sale, bonus income, or trust fund maturity.
3. Foreign Currency Income Mortgages: Do you earn in USD, EUR, or other currencies? We work with lenders comfortable with multi-currency and offshore income, ensuring smooth underwriting and reduced friction during approval.
4. Trust, Asset & Inheritance-Based Lending: Whether you're a beneficiary of a trust or receiving funds through inheritance, we help structure your mortgage in a way that aligns with your timeline and asset base.
5. Company Directors & Entrepreneurs: Directors often reinvest profits or pay themselves through dividends, making affordability look weaker than it is. We interpret and present your business accounts in a way that lenders understand and accept.
In today’s market, stress testing is more rigorous than ever. Even HNW borrowers must demonstrate repayment ability under higher rates.
Client: Tech entrepreneur based in London
Challenge: Majority income from US company dividends + rental properties in Dubai
Goal: Purchase £3.1M family home in Richmond
Result: Azembel secured a £2.4M interest-only mortgage through a private lender who accepted foreign income and offshore holdings. Approval in 12 days.
Frequently Asked Questions
Q: Can I get a mortgage if most of my wealth is tied in assets, not income?
Yes. Lenders we work with accept net worth, property equity, and liquidity as affordability evidence.
Q: Do you work
with clients who live abroad but want UK property?
Absolutely. We support expats, non-resident buyers, and international HNWIs.
Q: Is it possible to borrow against a trust or inheritance?
Yes. We partner with lenders who understand trusts and inheritance timelines.
Q: Can you help if I’ve been declined by a high-street bank?
Yes. Many clients come to us after being rejected by traditional lenders. We position your profile with specialist providers.
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