High Loan to Value Mortgages

HW Private Finance provides high loan-to-value (LTV) mortgage solutions for clients who want to maximise borrowing while minimising deposit requirements. We help you secure competitive funding even when traditional lenders restrict higher LTV lending.

Whether you’re a professional buyer, entrepreneur, or overseas investor, we structure deals to achieve higher borrowing power without compromising flexibility.

Benefits

Why Choose Us

Higher borrowing with smaller deposits

Access to specialist and private lenders

Tailored underwriting

Competitive interest rates

Flexible repayment structures

Ideal For

Who It’s For

Buyers with strong income but lower deposits

Investors expanding portfolios

Professionals relocating to the UK

High earners with asset-based wealth

Our Process

Our Proven Path to Delivering Results

We analyse your income, assets and objectives, source the best lender, structure affordability, submit your case and manage the process end-to-end.

FAQ

Clear Your Doubts

What is high LTV?

High LTV means borrowing a larger percentage of the property value, often 80–95%.

It can carry slightly higher rates, but with the right lender, risks are carefully managed.

Yes. We work with lenders who assess complex income profiles.