All sectors

Sector — High-Net-Worth

Lending shaped to the way wealth actually moves.

Multi-currency income, complex trust structures, lombard credit against managed portfolios, and the private banks invisible to the high street. We orchestrate residential, commercial and asset-backed credit at the scale and discretion HNW life demands.

  • Average case

    £10M+

  • Private bank panels

    32

  • Multi-currency desks

    9 jurisdictions

  • AIP within

    48 hours

Pillars:Property Asset

Where are you?

Pick the path that looks like you.

Each branch maps to the playbook the desk would actually run for you — not a generic funnel.

Complex / multi-currency income

Salary, RSUs, carry, dividends and trust distributions — across two or three currencies. The high street can't model it.

Recommended play

Private-bank residential with bespoke income build-up

  • Three private banks shortlisted that already underwrite your income shape.
  • Mortgage architect builds a defensible income narrative for credit committee.
  • Multi-currency hedging structured into the facility from day one.
Arrange a private mortgage briefing

HNW Pulse

Lender appetite, hnw edition

Live signals from the desk. Last refreshed .

  • property

    Tier-1 challenger bank · Senior development

    −25 bps on 65% LTGDV

    Credit committee re-priced post-MPC. Repeat sponsors with delivered comparables only.

  • property

    Specialist bridging house · Refurb-to-let bridge

    Now lending to 80% LTV (was 75%)

    Reopened postcode list across NW + Yorkshire. Faster valuations via desktop AVM.

  • asset

    Captive OEM finance · Heavy plant + yellow metal

    0% interest on 36-month deals to £250k

    Manufacturer subsidy to clear Q1 stock. Closes 30 June.

  • asset

    Independent funder · Soft asset finance (tech)

    Min ticket lifted to £25k (was £10k)

    Re-focusing on mid-ticket; sub-£25k routed to platform partners.

  • property

    Family-office mezzanine · Stretched mezz on resi dev

    Hurdle IRR cut 150 bps for repeat sponsors

    Rotating out of equity into debt. Wants £3–8m strips, full QS oversight.

HNW Co-pilot

Ask anything. Scoped to high-net-worth.

Grounded in 1X Financial's hnw field notes — never the open web. No fabricated lenders, no invented rates.

Funding Map

How a £8m HNW residential + lombard typically structures

Indicative shape for a UK + offshore HNW client buying a £10m primary residence with retained portfolio liquidity.

Day 1Practical completion
  • Private-bank mortgage60%

    Base + 1.25–1.95%

    Interest-only, 5-year reviewable, multi-currency option.

  • Lombard top-up20%

    Base + 0.95–1.5%

    Secured against custody assets to bridge equity contribution.

  • Client equity20%

    Opportunity cost

    Held in liquid portfolio to preserve investment compounding.

Deal Anatomy — HNW

Anonymised live cases we've actually closed.

The structure, the lenders shortlisted, why it closed — and what nearly killed it.

See full anatomy
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Pillar
Ticket

1 of 1 cases

  • property£6.4m GDC

    12 unit resi scheme, NW — senior + family-office mezz inside 3 weeks

    Repeat sponsor, 4th scheme with 1X

    Funded at 92% LTC blended; sponsor retained 8% equity vs prior 18%.

    Closed in

    17 working days

    Shortlisted

    7

    Layers

    3

    Full anatomy

HNW scenario lab

Pre-loaded with deals we actually do.

Pick a preset that matches your deal — then drag to stress it. Same model the desk runs in pre-credit calls.

Blended cost of capital

6.30%

Annual debt service

£141,000

DSCR

2.98×

Equity required

20% · £600,000

Indicative only. Real pricing reflects sponsor profile, asset, jurisdiction and current lender appetite.

Your stack

The capabilities high-net-worth actually use.

Each links into the full capability page — pricing, ticket, partners and live appetite.

Engage the desk

Bring us a live deal — we'll come back inside 48 hours with a shortlist.

Briefings are free. Architecture calls are free. The first lender shortlist is free. You only ever pay on completion.

Open a hnw briefing