Don’t let your wealth get in the way of you being able to borrow.
If you earn over £100,000 per year you could be classed as a High Net Worth individual. Whilst that might make you attractive to lenders, it might not guarantee the best rates. Our advisers have ensured many buyers find mortgages that don’t penalise them for being a high income earner.
How we can help with your High Net Worth mortgage:
Peace of mind, however you earn
Wealth management looks different for every household. We’ve built relationships with specialist companies suited to your needs after years of experience helping people just like you.
A holistic and flexible approach to your finances.
You worked hard to get to where you are, so the approach to assessing your finances has to be just as bespoke. We can match you with a specialist lender whose care and commitment you can trust.
Services designed with you in mind.
Not all mortgage lenders truly understand the needs of high net worth individuals. We do. Our recommendations get you the right advice from the right people, exactly when you need it most.
Let us find a high net worth mortgage for you
Speak to one of our friendly advisers today, and download your credit report via 'Check my file', to kick start the process.
Product FAQs:
A High Net Worth Mortgage is a specialised mortgage designed specifically for high net worth individuals. While some can secure property finance through traditional banks or lenders, many struggle to get high-level funding, as these institutions often fail to consider their total wealth and affordability.
A high net worth mortgage is a mortgage option for individuals earning an annual net income of £300,000 or possessing assets valued at £3 million or more.
Yes, they do. To apply for a mortgage, you’ll need a high net worth statement, which lenders typically provide a template for. Your accountant can fill and sign this as a proof of your income.
What our customers think:
Outstanding… I cannot recommend Hearthstone Mortgages highly enough. Ajay and his team go above and beyond to ensure a smooth running process. They recently secured me a highly competitive mortgage rate on a very difficult off-plan development. Communication throughout the process was exceptionally. A professional yet friendly company. They are now looking after my entire portfolio of properties… Thankyou!!
Fabulous from start to finish! Hands on, helpful, and extremely resourceful. Have no reservations about recommending Ajay and his team, first class!
You couldn’t find a better mortgage broker. Ajay & Jordanne know the market and lenders inside out, and they go above and beyond to help you secure the best offer and push things along. I have worked with them on a a mortgage for my own home and a mortgage for a BTL, and I’d say one of their biggest strengths is that they really understand property investment and therefore know exactly what’s possible for BTL/HMO/SA etc mortgages (not always the case with other brokers). Highly recommend!
Jordanne was spot on, fast and efficient in getting me the mortgages and refinances I was looking for. Even in difficult places like cemeteries. :)Keep up the great work. Would 100% recommend and use again.
Working with Ajay & Jordanne is one of the best decisions we have made.Their knowledge in property and mortgages is unbeatable and they provide the highest quality service. They are honest, ethical and willing to go a thousand miles above and beyond and I have full faith that they will continue to be the best in the market.I would highly recommend to anyone to work with Hearthstone Mortgages.
Jordanne Whiley is my broker and she is 1000% the best broker anyone could ever ask for! She is so knowledgeable and talented in all aspects of property mortgages, lending and investing. She goes above and beyond what anyone could ever wish for in a broker and fights your corner treating each deal as her own. Not only did she get me started on my property business but she has massively helped me start out and answered so many of the questions I had with so much patience, kindness and knowledge. Every single person I meet who needs a broker I send her way without hesitation because I couldn't recommend anyone else more highly! Thank you Jordanne!!!
The team at Hearthstone Mortgages recently managed my re-mortgage. Their service was very professional, swift, and ultra efficient. I am absolutely delighted with how the process went from start to finish, and I would highly recommend doing business with them.
Incredible service and advice from start to finish. When you work with Ajay you feel that your deal matters to him as much as it matters to you.A great addition to any power team, I look forward to working with Ajay on our next project.Highly recommend!
Best experience with a mortgage broker in a long time. Very responsive and reliable. Special thanks to Jordanne, highly recommend them!
I've worked with Hearthstone Mortgages on a number of occasions and have a great relationship with them. They have found me some great deals and communication is great whenever I need support. We'll certainly work together in the future.
Had an excellent experience dealing with both Ajay and Nadine who assisted my limited company with a remortgage and purchase at the same time. Would highly recommend and will definitely use again in the future.
Hearthstone Mortgages were great at supporting us with first getting a bridging loan, and then securing a buy to let mortgage.Ajay was able to provide guidance throughout the processes and Nadine was always on hand to ensure things were ticking along and to answer any queries.
Used Hearthstone for the first remortgage in our portfolio. Jordanne was very helpful through the whole process and a pleasure to work with. In you need advice or a mortgage of any kind I would highly recommend them. Thanks again
We have been working with hearthstone now for two years.The team are incredible at what they do they take time to understand your case and really work to get your the right product for you.I strongly recommend Ajay and his team to any investors or for your own residential purchase
Second time I've worked with Ajay at hearthstone and won't be the last! An expert in his field and delivers such a personable and professional service, thanks for everything!
Excellent knowledge, systems and client care, Hearthstone Mortgages has it all!In particular, a portfolio owner herself, Mortgage Advisor Jordanne deserves a special mention. From Day 1 her understanding and attention to my client needs has been outstanding and she is an absolute asset to the business and company owner, Ajay.I wholeheartedly recommend using Hearthstone based on my experiences, be it a private mortgage, BTL, portfolio etc. I will certainly be continuing to use them going forward. Thanks, Jordanne. KPP
Great communication throughout, excellent service, always happy to help and advise making the remortgage of a HMO property very straight forward.Thanks Ajay and teamSimon @ C&W Homes
I can’t fault the service i received for my remortgage. Other advisors were put off with my slightly complicated situation however Ajay made the whole process easy and completely seamless. He also went above and beyond to push forward to completion whilst he was on holiday.Thanks for all your help and looking forward to working with you again in the future.
Couldn't thank Ajay from Hearthstone Mortgages enough for his support, professionalism and responsiveness! Ajay pretty much held our hands through the purchase of our first investment property, guiding us through the process, explaining every detail I questioned on the mortgage documents and doing his best to speed up the purchase at a time when solicitors and lenders were being inundated with work and slowing things down. When our mortgage offer expired, Ajay got right on it and even got us a better rate! Not to mention, he was even chasing our solicitors and escalated the case internally as the solicitor handling our case wasn't very on top of things, so Ajay got them changed, leading to the purchase completing within a few weeks afterwards. All of this for a very fair price - what you pay is much less than what you get! Thoroughly recommend Ajay and the team and will be using them again in the future for sure!
