At Pilgrim Mortgages, we specialise in arranging high-value mortgages for high-net-worth individuals. With expertise and a proven track record, we make securing bespoke mortgage solutions straightforward — even in the most complex financial scenarios.
We understand that traditional mortgage processes don’t always suit clients with substantial assets and diverse income streams. That’s why we work closely with private banks and specialist lenders to offer access to exclusive products and competitive interest rates tailored to your unique financial profile.
Whether you're purchasing a luxury home, expanding your property portfolio, or refinancing an existing mortgage, our team is here to guide you every step of the way.
Get in touch today to arrange a confidential consultation and discover how Pilgrim Mortgages can help you secure the financing you need — with the service and discretion you expect.
What lending terms are available for High Net Worth Mortgages?
At Pilgrim Mortgages, we know that no two clients are the same — and neither are their mortgage requirements. That’s why lending terms for high-net-worth individuals are fully bespoke, shaped by your income structure, asset base, and overall financial profile. We work closely with private banks and specialist lenders who are not bound by rigid lending criteria. With the right strategy and presentation, we can access preferential terms and rates that are often unavailable through mainstream channels — and not publicly advertised. Our deep understanding of complex income arrangements allows us to tailor lending solutions to match your needs. Financing can often be arranged on an interest-only basis, with capital repayment structured around liquidity events such as private equity returns, cash bonuses, or property sales.
How to lenders assess affordability for a mortgage over £1 million?
We work with lenders who understand the complexity of high-net-worth finances. Unlike traditional lenders, our large loan specialists take a holistic view of your financial position. ________________________________________ Employed Clients: Total Compensation Considered For employed professionals, we can utilise your entire compensation package, not just base salary. This includes: •Guaranteed and discretionary bonuses •Vesting stock and RSU income •Investment returns •Property income from rental portfolios ________________________________________ Limited Company Directors & Shareholders For clients with 20%+ shareholding in a limited company, we can structure lending based on Gross or Net profit after tax plus salary. We do not limit calculations to dividends. This approach often results in significantly higher borrowing capacity. We also recognise that complex and blended income structures are the norm when arranging large mortgage loans.
Will a Mortgage Lender accept foreign currency income?
Many UK mortgage lenders accept only income paid in sterling, which can present challenges for individuals who are paid in foreign currencies — particularly those earning bonuses in a foreign currency. However, with the right approach and access to the right lenders, securing a mortgage with foreign income is entirely possible. ________________________________________ How Are Bonuses Treated by Lenders? Bonuses often form a significant part of total compensation, especially for high-earning professionals. Most lenders will include bonuses when assessing mortgage affordability, provided there is a consistent track record. •Typically, lenders will average the last two years of bonus payments. •If the most recent year’s bonus is lower, the lender may use the lower figure. •Depending on the lender, between 50% and 100% of the bonus may be factored into affordability calculations. ________________________________________ Foreign Currency Income and Affordability Only a limited number of UK lenders accept income paid in foreign currencies. Those that do must assess affordability conservatively to account for exchange rate fluctuations and currency risk. Most lenders will apply a currency “haircut”, meaning they will only consider 75–90% of the foreign income. The percentage used depends on: •The stability of the currency (e.g. USD, EUR often more favourable) •The lender’s internal risk policies •The consistency and type of income (salary, bonus, RSU, etc.) ________________________________________ Why Use a Mortgage Broker for Foreign Currency Income? At Pilgrim Mortgages, we have access to high street lenders that will consider bonuses and income paid in foreign currencies, including USD and EUR. Our relationships with large loan lenders enable us to arrange funding of up to £10 million, and in some cases, beyond. For more complex income structures, we work closely with private banks that can take a broader and more flexible view of income.
Our minimum loan size is £100,000
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.