Private Banking Services for High-Net-Worth Individuals
Managing your wealth shouldn’t feel like a constant battle with your bank.
If you’re earning over £500,000 annually, own multiple properties, or run a successful business, you need banking that actually understands your situation.
Whether you’re expanding your property portfolio, managing international assets, or dealing with fluctuating business income, we’ll match you with private banks that see opportunity where others see complications.
Ready to see what proper private banking looks like? Let’s discuss your requirements.
Expert finance advice
tailored to you
Quality service
Fast, friendly and professional service.
Lender Choice
Over 250 Banks, Hedge Funds, Family Offices & more.
Experience
Over 15 years of specialist finance broking.
Bespoke Lending
Finance tailored specifically to meet your needs.
What Is Private Banking
and Who Needs It?
Private banking creates bespoke financial solutions for individuals whose wealth has outgrown standard banking.
While retail banks process thousands of identical applications, private banks craft individual solutions for complex financial situations.
Most private banks start conversations when you have around £1 million in liquid assets, though many will consider clients with substantial income or complex needs at lower thresholds.
Your private banker becomes your dedicated financial partner, not an unknown call centre representative reading from scripts.
Are You Eligible for Private Banking?
Private banking suits people whose financial lives don’t fit standard patterns.
- Business owners taking substantial dividends.
- Property developers with project-based income.
- International executives with multi-currency earnings.
- Families managing inherited wealth across generations.
Why Choose Private Banking?
Private banking offers dedicated relationship managers who understand complex income structures, international assets, and sophisticated investment strategies.
Instead of fighting rigid lending criteria designed for simple situations, you get bespoke solutions built around your actual financial reality.
Personalised Relationship Management
Your private banker knows your business, understands your goals, and can make decisions without committee meetings.
When you call, they answer. When you need something unusual, they find solutions instead of reciting bank policy.
Investment and Wealth Services
Private banks coordinate your mortgage, investments, tax planning, and estate arrangements so they work together efficiently.
You get access to institutional-grade investments, pre-IPO opportunities, and structured products unavailable to retail investors.
Specialist Lending Solutions
Private banks assess your entire financial ecosystem, they understand business cycles, investment strategies, and international income patterns that confuse retail lenders.
Interest-only mortgages, portfolio lending, international property finance, and asset-backed facilities all become straightforward conversations rather than impossible requests.
Private Banking Solutions We Arrange
When your financial requirements exceed what conventional lending can accommodate, private banks step in with solutions that recognise wealth as an opportunity rather than a complication.
Our relationships with some of the most exclusive private banking institutions mean we can arrange facilities that simply aren’t available through standard channels.
Whether you need £5 million for international property acquisitions or asset-backed lending against your investment portfolio, we connect you with banks that understand wealth, privacy and personal service.
High-Value Mortgages
Private banks approach lending as business discussions between professionals.
We regularly arrange mortgages exceeding £5 million for clients with complex income structures. Directors with significant dividends and share options.
Entrepreneurs owning multiple companies, whose annual income varies dramatically. International executives whose bonuses exceed most people’s total compensation.
Asset-Based Lending
Sometimes you need capital quickly but selling investments would cost more in taxes than you’d avoid in interest.
Private banks solve this by lending against your existing assets while you maintain ownership.
We’ve arranged Lombard loans secured against stock portfolios, property collections, business equity, and investment funds. You get immediate liquidity, keep your assets, and typically pay lower rates than unsecured borrowing.
International Banking Services
Managing money across multiple currencies and jurisdictions requires banks built for international complexity.
Private banks offer multi-currency accounts, foreign exchange dealing, and international tax coordination that retail banks can’t match.
For British expats or international investors, this capability isn’t convenience – it’s essential for proper wealth management.
Who Benefits from Private Banking Services?
Private banking isn’t just about having substantial assets – it’s about reaching a level of financial complexity where standard banking becomes a hindrance rather than a help.
The clients who gain most value are those whose success has created financial structures that defy conventional banking logic: multi-stream income patterns, international asset holdings, and wealth that requires active management rather than passive storage.
High-Net-Worth Individuals
Successful business owners often reach points where their personal and business finances intertwine in ways that confuse retail banks.
- Your salary doesn’t reflect the millions flowing through your business.
- Your property portfolio spans multiple corporate structures.
- Your pension contributions exceed most people’s household income.
Private banks see these complexities daily and know how to structure around them.
They understand business valuations, development cycles, and market timing in ways that automated lending never could.
International Clients
The UK remains attractive to international wealth despite recent tax changes.
Non-UK residents investing in British property need banks that understand overseas income verification, currency management, and international tax implications.
British expats returning home often find their international experience creates more confusion than benefit with high street banks.
Private banks have teams dedicated to international clients who understand how global structures actually work.
How Do I Qualify for Private Banking?
While £1 million in liquid assets gets quoted frequently, the reality is more flexible.
We’ve arranged private banking for clients with lower liquid assets but higher income or situations that benefit from sophisticated banking services.
Banks look for relationship potential, not just current wealth.
An international consultant earning £500,000 with strong growth prospects will be more attractive than someone with £2 million sitting dormant who doesn’t need any services.
Most private banks prefer new customers to be introduced to them, by other professionals.
What Makes Private Banks Different?
There are many differences but decision-making authority sets private banks apart.
Your dedicated relationship manager can approve lending decisions that would require board approval at retail banks.
They understand your business and your personal situation, enabling them to create highly personalised solutions.
Dedicated private banker
24/7 access
Holistic banking
Wealth planning
International services
Confidentially
Can Expats Access UK Private Banking?
Yes, private banks are well-placed to assist expats.
The non-dom rule changes have actually increased private bank interest in international clients, as they see opportunities to help with restructuring around the new regime.
Get Started with Private Banking
The best way to understand whether private banking suits your situation is a conversation with someone who understands both your needs and market options.
Our initial consultation is completely confidential with no obligations.
We’ll review your current arrangements, understand your objectives, and explain how private banking could help.
Ready to explore your options? Call us today to arrange your confidential consultation.
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