High Net Worth Mortgages in Peterborough

A substantial income or asset portfolio does not always make arranging a mortgage straightforward. Business profits, bonuses and investment income can require a different approach from a regular salary.

We provide advice on high net worth mortgages in Peterborough, helping you explore borrowing options that reflect your financial circumstances and property plans.

Check out our reviews

Based on [testimonials_count] Google Reviews

    
 
 
       Posted on Google  
   
   tony peluso 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have used Tony for mortgage advice for many years, and he has also helped several members of my family during that time. He has always been extremely professional, knowledgeable and approachable, taking the time to explain everything clearly and making the whole process as straightforward and stress-free as possible.

The fact that I have been happy to recommend Tony to my own family probably says more than anything else. He is someone I trust completely and I wouldn’t hesitate to recommend him to anyone looking for mortgage advice.
  
 
      Posted on Google  
   
   Chloe Baker 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony and his team are brilliant. Tony is always organised and strives to get the best possible rates! I feel like Tony and his team have his best interests at heart!
  
 
      Posted on Google  
   
   Carrie Lloyd 
 
 
 
 Trustindex verifies that the original source of the review is Google. After my experience with Bespoke on two separate mortgage, I wouldn’t go to anyone else. My life was a complicated journey and not easy to obtain a mortgage after living abroad for years. But Tony was able to go above and beyond, knowing with decades of experiences which lender was the most suitable for their client. Their name Bespoke is not just a marketing trick, they live this out for every person who seeks their advice. They helped my dreams come true and lead with excellence, optimism and integrity. Don’t use anyone else, this company is second to none.
  
 
      Posted on Google  
   
   Louie McGowan 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at Bespoke were absolutely sensational. They made things happen that others had struggled to do, whilst keeping us calm and collected with continuous support and guidance throughout the process.

We look forward to working with the team again in the future and would be more than happy to recommend their services to anyone. Thank you again guys!
  
 
      Posted on Google  
   
   NicChrisdamms Damms 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony has always offered me fantastic service for over 15 years now . As a company, I feel Bespoke always goes above and beyond. I would not have a single hesitation in recommending them for your mortgage requirements
  
 
      Posted on Google  
   
   Liz Dolman 
 
 
 
 Trustindex verifies that the original source of the review is Google. We have used Tony from Bespoke Mortgage and Finance Centre since 2014 and would highly recommend Tony.  Very thorough and explains everything to you.
  
 
      Posted on Google  
   
   David Wilson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding service from Bespoke. I had a previous mortgage broker who selfishly got deals that were right for her rather than my  requirements, and her greed ended up with all 3 property remortgages falling through and failing the stress test. Tony and the team expertly repaired the applications with the correct re-mortgage products  and applicable terms. Communication was reassuring during that uncertain time with regular check points and updates. The professionalism and efficiency was first class and I would not use anyone else moving forwards!
  
 
      Posted on Google  
   
   Denise Dodd 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   Chris Ruggiero 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony and the team at Bespoke Mortgages are absolutely fantastic. I consistently return to Tony for support when trying to organise Mortgages and he always pulls through!
  
 
      Posted on Google  
   
   Craig 
 
 
 
 Trustindex verifies that the original source of the review is Google. We've been using Tony and the team at Bespoke Mortgage Centre for years. Down to earth and professional, truly a company I can trust and recommend to friends and family for any mortgage or finance needs. First Class Service every time.

At BMFC We Understand Complex Financial Needs Of Our Clients

Our founder, Tony, brings over 35 years in financial services, including a 19-year career at Barclays advising clients with high-net-worth and complex financial needs.

We review how your income, assets and repayment plans fit together before comparing suitable products from a range of lenders. Where appropriate, we liaise with your accountant to clarify business income and gather evidence, then explain the rates, fees and conditions behind our recommendation.

What Matters When Arranging a High Net Worth Mortgage?

Understanding the High Net Worth Definition

For mortgage purposes, the FCA defines a high-net-worth customer as someone with annual net income of at least £300,000 or net assets of at least £3 million. The definition also includes customers whose obligations are guaranteed by someone meeting these thresholds.

Meeting the definition does not guarantee approval or particular terms. Lenders still apply their criteria and require appropriate evidence.

How Your Income Is Assessed

Lenders differ in how they assess bonuses, dividends, company profits and investment income. Some can consider income sources that a standard salary-based assessment may not fully reflect.

We help establish which sources a lender may accept and what documentation is needed to support them.

Balancing Borrowing, Deposit and Repayment

The amount available depends on your circumstances, the property and the lender’s approach. There is no single deposit percentage that applies to every high-value purchase.

Repayment, interest-only or a combination may be available, subject to criteria. If interest-only is considered, you need to understand how the outstanding loan will be repaid and the risks associated with that plan.