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.

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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:

• Has an annual income of £300,000 or more, or
• Holds assets worth £3 million or more (excluding the primary residence)

This financial status opens doors to private banks and lenders that are not accessible to the general public. However, it also means traditional mortgage applications often fail to capture your full financial picture — especially if your income is irregular, diversified, or tied to business equity, dividends, or trust funds.

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Why High Net Worth Mortgages Are Different

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Mainstream mortgage lenders use strict affordability checks and uniform criteria. HNW borrowers often face:

• Complex income streams – e.g. company profits, dividends, overseas funds
• Large loan sizes – £1 million+
• Unique assets – multiple properties, offshore accounts, or family trusts
• Foreign income – non-GBP income or holdings
• Tax efficiency structures – which affect declared income

These challenges make it essential to work with a specialist who understands how to present your case credibly and match you with lenders that accommodate your profile.

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