Mortgage broker video library

For mortgage brokers only

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Our experts answer questions we're regularly asked.

 

What makes a high-net-worth case unique?

When it comes to assessing affordability, there are some distinct differences between the needs of mainstream and high-net-worth borrowers. The latter typically possess considerable assets but may have complex incomes. As such, they do not always fit within the mainstream affordability mould. Here, Head of Business Development for Intermediary Mortgages Peter Izard discusses what makes a high-net-worth mortgage case so unique with Business Development Manager Victoria Burlison.

Lending to high-net-worth entrepreneurs

We understand that, as a business owner or entrepreneur, your high-net-worth client’s circumstances can be demanding and unconventional. You want to speak to someone who appreciates this and the spirit of entrepreneurship is in our DNA. As your client’s wealth grows, their borrowing requirements can become increasingly complex. We'll provide the dedicated attention and expertise they need. Here, Business Development Manager Victoria Burlison discusses this in detail with Private Banker David Knott.

Lending to high-net-worth entrepreneurs

We understand that, as a business owner or entrepreneur, your high-net-worth client’s circumstances can be demanding and unconventional. You want to speak to someone who appreciates this and the spirit of entrepreneurship is in our DNA. As your client’s wealth grows, their borrowing requirements can become increasingly complex. We'll provide the dedicated attention and expertise they need. Here, Business Development Manager Victoria Burlison discusses this in detail with Private Banker David Knott.

How can brokers evaluate the mortgage loan potential of a high-net-worth individual?  

Here, Head of Business Development for Intermediary Mortgages Peter Izard and Business Development Manager Joe Websper discuss what makes high-net-worth clients different from others in terms of their lending requirements and how Investec is set up to support those clients. They discuss a recent example of how we have used the FCA high-net-worth waiver in practice. At Investec our starting point is always to still assess all applications through the normal Mortgage Conduct of Business affordability rules. There are, however, circumstances when for the right client we can apply the exemption.

How can mortgage brokers help high-net-worth clients who receive a significant bonus with their lending requirements?  

At Investec we have a team of specialist private bankers which specifically works with clients in the Fund and Asset Management sectors and are therefore well versed in the nuances of their income profile. This experience enables us to move quickly when such opportunities present themselves. Peter Izard discusses these nuances in the income profile of high-net-worth clients in this sector with Karl Wagner and how Investec is set up to help them with their lending requirements.

How can mortgage brokers help high-net-worth clients who receive a significant bonus with their lending requirements?  

At Investec we have a team of specialist private bankers which specifically works with clients in the Fund and Asset Management sectors and are therefore well versed in the nuances of their income profile. This experience enables us to move quickly when such opportunities present themselves. Peter Izard discusses these nuances in the income profile of high-net-worth clients in this sector with Karl Wagner and how Investec is set up to help them with their lending requirements.

How can brokers help law partners with profit share or foreign currency income? 

Making partner is a huge step up for any lawyer and it’s one that can have a major impact on their earning profile. A partner’s income structure is complex because it can be linked to the performance of their firm through profit distributions. This means they need mortgages and lending solutions which reflect their true earning potential and often the lumpy nature of their income. And if they receive some of their income in another currency, they may need foreign exchange support too.  Lucy Astell discusses lending to law partners with Peter Izard.

Working at speed with high-net-worth mortgage cases

When securing a new home or an investment property, clients will want to be able to move swiftly. The promise of an efficient sale process can help secure a new home or investment property in a competitive market. Investec has a number of specialist banking teams who understand the unique and complex needs of high-net-worth clients, such as entrepreneurs, investment bankers, private equity and law professionals, which has enabled us to understand their complex income structures and needs. Joe Websper discusses what mortgage brokers can provide to help expedite the process for their clients with George Burgess. 

Working at speed with high-net-worth mortgage cases

When securing a new home or an investment property, clients will want to be able to move swiftly. The promise of an efficient sale process can help secure a new home or investment property in a competitive market. Investec has a number of specialist banking teams who understand the unique and complex needs of high-net-worth clients, such as entrepreneurs, investment bankers, private equity and law professionals, which has enabled us to understand their complex income structures and needs. Joe Websper discusses what mortgage brokers can provide to help expedite the process for their clients with George Burgess. 

Navigating your high-net-worth client’s complex income structures  

At investec we pride ourselves on navigating complex incomes and where we can using pragmatism to support our clients. From newly promoted partners of law firms, new to role executives, Private Equity clients, being flexible in our approach can allow us to look at complex income in ways others may not, understanding from the client what their income looks like and how we can model that forward to support affordability. Michael Corcoran and Amy Backhouse discuss how brokers can navigate their broker’s complex income structures.

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If you're a mortgage broker and want to discuss how we can help your clients (minimum income £300,000) with their mortgage, contact us.

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