You can go direct to a lender, but for high net worth lending the “best” route depends on complexity. Where income is straightforward and the property fits standard criteria, going direct can work. Where income is complex, the loan is large, the property is unusual, or you need interest-only or other bespoke features, a broker can often make the process faster and more controlled.
A broker can help by:
- Matching lender criteria: different lenders treat bonus, dividends, retained profit and overseas income differently.
- Reducing rework: packaging the case clearly reduces underwriting back-and-forth.
- Accessing specialist routes: some solutions sit with specialist lenders or private banks and aren’t obvious from standard comparison sites.
- Managing footprint: avoiding multiple speculative applications that can create unnecessary credit searches.
High net worth cases often fail not because the borrower is weak, but because the case is forced into a lender process that doesn’t fit the profile. A broker-led approach focuses on fit and evidence, which can save time in a chain and reduce last-minute surprises.
If you want a clean decision, start by clarifying your priorities (rate, speed, flexibility, interest-only, capital raising) and your income/asset structure. From there it becomes clear whether mainstream direct lending is suitable or whether a broker-led specialist route is more sensible.
Hearthstone Mortgages (trading name of Hearthstone Advisory Limited)
Tel: 01753 463391 | Email: enquiries@hearthstonemortgages.co.uk
Registered office: Europa House, Marsham Way, Gerrards Cross, Buckinghamshire, SL9 8BQ
Company No: 10563329 | FCA FRN: 945282
Warnings:
THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME OR PROPERTY.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We are a credit broker, not a lender. We may receive commissions that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.