High Net Worth Interest Roll-Up Mortgage

Introducing our new premium lending solution for High Net Worth clients. Supported by specialist underwriting expertise, backed by an exclusive service promise.

Designed for your affluent clients with significant assets and complex income structures that need access to significant borrowing while preserving their wealth and liquidity.

Do you have a client who is asset rich or has a complex income structure but needs liquidity without disrupting their wider wealth strategy?

Our new High Net Worth Interest Roll-Up mortgage products are designed for High Net Worth (HNW) clients who want to preserve wealth, maintain liquidity and avoid the unnecessary sale of assets while still accessing significant borrowing.

Backed by our Service promise, exclusively for our Interest Roll-Up proposition, each Interest Roll-Up case is managed by a dedicated Senior Underwriter from application through to completion, providing a consistent point of contact throughout the application journey.

✅  Complex income and wealth structures considered   
✅  Early guidance on case      
✅  Individual case assessment suitability   
✅  Direct access to decision makers  
✅  Dedicated support from application to completion   

High Net Worth Interest Roll-Up Mortgage

A mortgage product for HNW individuals, where the interest charged is added (rolled-up) to the mortgage balance each month. Capital and accrued interest is payable at the end of the defined mortgage term.

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

Full conditions are available on request.

WHO IS IT FOR?

This product is aimed at HNW individuals who:

  • Hold substantial property wealth or investment assets.
  • Have complex income arrangements, including pensions, investments, trusts, business interests or other non-standard income sources.
  • Require liquidity without selling or disturbing long-term investments.
  • Are considering or undertaking estate planning or family wealth transfer.
  • Need funding for significant personal, property or wealth planning objectives.

Eligibility

HNW clients must meet one of the following criteria:

  • Annual net income of no less than £300,000
    OR
  • Net assets of no less than £3,000,000

For joint applications, only one applicant must meet the criteria. However, both applicants will be required to obtain independent legal advice.

HNW status must be evidenced and verified as part of the underwriting process.

Lending assessment

Rather than focusing on regular monthly income, affordability will be based on:

  • Overall financial strength
  • Repayment strategy
  • Resilience to changing circumstances
  • The long term effect of rolled up interest over the mortgage term

REPAYMENT STRATEGIES

An evidenced repayment strategy is required. You client's repayment can be made through:

  • Property sale
  • Investment realisation
  • Pension proceeds
  • Other acceptable assets

Start a conversation with your local BDM today 

Contact your local BDM

Our Service Promise

Dedicated support and first class service, exclusively for you and your clients

Business Development Manager support

  • Speak directly with your BDM about your client and their borrowing requirement
  • Early indication of suitability before submitting a DIP and full application. 

Specialist Lending Panel

  • Our Specialist Lending Panel will review qualified DIP submissions
  • Indicative decision provided within two working days.

Dedicated Senior Underwriter assigned to your case

  • Single point of contact throughout the underwriting process
  • Direct access to discussions, case queries and expected timelines
  • Regular updates and proactively chase for any outstanding items.

Dedicated aftercare support with our Premium Service Team

  • Supporting your clients with any enquiries and ongoing account requirements.

 

High Net Worth Interest Roll-Up Mortgage products

Sort products by:
Initial
Rate		 Initial
Rate Ends		 Follow On
Rate		 Max.
LTV		 Application
Fee		 Product
Fee		 Cashback on
Completion		 Repayment
or Interest-Only?		 FTB

5.50% OO Tracker Rate for Term HNW Interest Roll-Up (1.75% above the BOE Bank Rate) (XTD001)

 Code XTD001
N/A 7.54% 65% £175* 1.00%~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM
  • Purpose - Purchase and Remortgage
  • Difference from Bank Rate - 1.75% above the Bank of England Bank Rate, which is currently 3.75%, for the duration of the mortgage term
  • Minimum Rate - 3.75%
  • Loan to Value - Maximum 65% projected at end of the mortgage term
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - The standard valuation fee scale applies
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - Our Interest Roll-Up solution is available up to a maximum of £12,500,000. For loans of £4,500,000 or more, specific considerations in relation to the risk profile may be necessary and may require an amendment to the product pricing to account for this. We will consider this in our response to the DIP request
  • Minimum Loan - £1,000,000
  • Cost for comparison - 5.9% APRC
  • Additional criteria - Clients must either have an annual net income of no less than £300,000, or have net assets of no less than £3,000,000. For joint applications, only one applicant needs to met this High Net Worth (HNW) requirement. HNW status must be evidenced and verified as part of the underwriting process. Applications not available online via our Mortgage Hub, and must be submitted by application form.

5.65% OO Tracker Rate for Term HNW Interest Roll-Up (1.90% above the BOE Bank Rate) (XTD002)

 Code XTD002
N/A 7.54% 65% £175* 1.00%~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM
  • Purpose - Purchase and Remortgage
  • Difference from Bank Rate - 1.90% above the Bank of England Bank Rate, which is currently 3.75%, for the duration of the mortgage term
  • Minimum Rate - 3.90%
  • Loan to Value - Maximum 65% projected at end of the mortgage term
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - The standard valuation fee scale applies
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% in the first year only
  • Maximum Loan - Our Interest Roll-Up solution is available up to a maximum of £12,500,000. For loans of £4,500,000 or more, specific considerations in relation to the risk profile may be necessary and may require an amendment to the product pricing to account for this. We will consider this in our response to the DIP request
  • Minimum Loan - £1,000,000
  • Cost for comparison - 6.0% APRC
  • Additional criteria - Clients must either have an annual net income of no less than £300,000, or have net assets of no less than £3,000,000. For joint applications, only one applicant needs to met this High Net Worth (HNW) requirement. HNW status must be evidenced and verified as part of the underwriting process. Applications not available online via our Mortgage Hub, and must be submitted by application form.

5.60% BTL Tracker Rate for Term HNW Interest Roll-Up (1.85% above the BOE Bank Rate) (XTD003)

 Code XTD003
N/A 8.29% 65% £175* 1.00%~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM
  • Purpose - Purchase and Remortgage
  • Difference from Bank Rate - 1.85% above the Bank of England Bank Rate, which is currently 3.75%, for the duration of the mortgage term
  • Minimum Rate - 3.85%
  • Loan to Value - Maximum 65% projected at end of the mortgage term
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - The standard valuation fee scale applies
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Maximum Loan - Our Interest Roll-Up solution is available up to a maximum of £12,500,000. For loans of £4,500,000 or more, specific considerations in relation to the risk profile may be necessary and may require an amendment to the product pricing to account for this. We will consider this in our response to the DIP request
  • Minimum Loan - £1,000,000
  • Cost for comparison - 6.0% APRC
  • Additional criteria - Clients must either have an annual net income of no less than £300,000, or have net assets of no less than £3,000,000. For joint applications, only one applicant needs to met this High Net Worth (HNW) requirement. HNW status must be evidenced and verified as part of the underwriting process. Applications not available online via our Mortgage Hub, and must be submitted by application form.

5.75% BTL Tracker Rate for Term HNW Interest Roll-Up (2.00% above the BOE Bank Rate) (XTD004)

 Code XTD004
N/A 8.29% 65% £175* 1.00%~ £0 Interest-Only No  
More details, fees & downloads Criteria A-Z Check affordability Contact your BDM
  • Purpose - Purchase and Remortgage
  • Difference from Bank Rate - 2.00% above the Bank of England Bank Rate, which is currently 3.75%, for the duration of the mortgage term
  • Minimum Rate - 4.00%
  • Loan to Value - Maximum 65% projected at end of the mortgage term
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - The standard valuation fee scale applies
  • ~Product Fee - 1% of the loan amount
  • Early Repayment Charges - 2% in the first year only
  • Maximum Loan - Our Interest Roll-Up solution is available up to a maximum of £12,500,000. For loans of £4,500,000 or more, specific considerations in relation to the risk profile may be necessary and may require an amendment to the product pricing to account for this. We will consider this in our response to the DIP request
  • Minimum Loan - £1,000,000
  • Cost for comparison - 6.1% APRC
  • Additional criteria - Clients must either have an annual net income of no less than £300,000, or have net assets of no less than £3,000,000. For joint applications, only one applicant needs to met this High Net Worth (HNW) requirement. HNW status must be evidenced and verified as part of the underwriting process. Applications not available online via our Mortgage Hub, and must be submitted by application form.