Private & Bespoke
Bespoke mortgage structuring
Private-desk mortgage structuring for complex wealth, multi-currency income, AUM-backed lending, and discretionary terms.
Bespoke structuring, built around your balance sheet. When wealth is held across currencies, entities and asset classes, an off-the-shelf mortgage rarely fits. We design the lending around the full picture — AUM-backed facilities, multi-currency income, and discretionary terms negotiated directly with private banking desks.
What lenders look at differently. Standard underwriting reads a payslip; bespoke underwriting reads a portfolio. We translate company accounts, investment income, retained earnings and assets under management into a case the private desk can approve, and structure the facility so it works alongside your wider banking relationships.
A structuring review first. We start by mapping how your wealth is held and what you want the property to do, then model the structures that fit — interest-only, AUM-pledged, multi-currency, or a blend. You see the options side by side before anything goes to a lender.