A different approach to High Net Worth Lending - Your questions answered

6 Nov 2026

We recently introduced our new High Net Worth Interest Roll-Up Mortgage, designed for clients with significant assets, who want access to substantial borrowing of £1m to £12.5m, without making regular monthly mortgage payments.

This premium lending solution is supported by specialist underwriting and dedicated case management, helping intermediaries place complex cases with confidence.

To help you assess whether this proposition could be suitable for your clients, we've created a dedicated web page with FAQs covering eligibility, acceptable repayment strategies, security requirements and more.

View our High Net Worth Interest Roll-Up Q&As

High Net Worth Interest Roll-Up Mortgage at a glance
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Product summary

  • Maximum loan size £12,500,000
  • Minimum loan size £1,000,000
  • No mandatory monthly mortgage repayments
  • Bank Rate Tracker rates only, available on a ‘for term’ basis (with the same product to remain in place for the entirety of the agreed mortgage term)
  • Available for Owner Occupier and Buy to Let properties in England and Wales
  • Maximum term of 10 years for properties valued at £10,000,000 or less
  • Maximum term of 5 years for properties valued above £10,000,000
  • End of term LTV must not exceed 65%
  • By application form only.

For further information, please contact your local BDM.

Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator

Find Your Local

Business Development Manager

Your Local BDM:

Paul Ormonde

Paul focuses on the Central London area. Contact Paul for help with your clients' mortgages.
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Your Local BDM:

Kirsty Dancer

Kirsty has vast experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Kirsty for help with your clients' mortgages.
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Your Local BDM:

Sam Byrne

Sam focuses around the Northern and Western Home Counties. Contact Sam for help with your clients' mortgages.
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Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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A new BDM will be covering your area soon. In the meantime, our experienced business support team are on hand to support you with any applications, case updates or any queries you may have.

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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