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 but needs liquidity without disrupting their wider wealth strategy?

Do they have a complex income structure too?

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 an enhanced underwriting service, 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. Read our exclusive Service Promise.

View our High Net Worth Interest Roll-Up mortgage product range

Speak to your BDM today!

Contact your local BDM

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.

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.

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.

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

Want to know more?

Speak to your local BDM today

Our Service Promise

Exclusively for our Interest Roll-Up proposition, we're committed to providing a first class service to you and your clients.

Business Development Manager support

Your dedicated local BDM will provide you with support from the initial enquiry stage, DIP review and application submission, all the way through to completion. 

Specialist Lending Panel

Our Specialist Lending Panel will review qualified DIP submissions and respond to your BDM within two working days, confirming whether we can proceed to full application or whether further information is required. 

Dedicated Senior Underwriter assigned to your case

A dedicated Senior Underwriter will:

  • Give you an introductory call to understand your client's circumstances, discuss evidence requirements, expected timelines and agree next steps.
  • Provide you with regular updates on how the application is progressing and proactively chase for any outstanding items.

From start to finish, we'll help progress your application through to completion as quickly and smoothly as possible.

Aftercare

Our dedicated Premium Service Team will be available to support your clients with any enquiries and ongoing account requirements.

 

Start the conversation with your BDM today

Use our postcode search below to find your local BDM.

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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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.