Yes. Specialist lenders (and sometimes private banks) offer buy-to-let solutions that suit high net worth investors, particularly where portfolio size, loan amounts, or income structure fall outside standard criteria. These options can be relevant when you hold multiple properties, borrow at higher values, use limited companies, or invest in specialist property types.
Specialist buy-to-let underwriting often focuses on rental coverage and portfolio performance, but lender approach differs significantly. Some are comfortable with complex portfolios and multiple entities, while others prefer simpler cases. Specialist lenders can also be useful for scenarios like capital raising across a portfolio, refinancing multiple properties, or dealing with more complex property types such as HMOs, multi-unit freehold blocks, or semi-commercial assets (subject to criteria).
For high net worth investors, the biggest advantage of specialist routes is often fit rather than just acceptance. A lender that aligns with your longer-term strategy can make future refinancing, capital release, and portfolio growth smoother. By contrast, choosing a lender purely on today’s rate can create problems later if policy doesn’t support the next step in your plan.
To keep things efficient, it helps to prepare a clean portfolio schedule, be clear on the purpose of borrowing (purchase, refinance, capital raising), and select lenders that support your structure (personal vs limited company) and property types.
Hearthstone Mortgages is a trading name of Hearthstone Advisory Limited (Company Number 10563329) and is authorised and regulated by the Financial Conduct Authority (FCA Reference Number 945282).
Registered office: Europa House, Marsham Way, Gerrards Cross, Buckinghamshire, SL9 8BQ.
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