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- For Intermediaries
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- Afin High-Net-Worth
For intermediariesNot income-led. Not asset-led. Wealth-led.
Most lenders start and end with income. Afin starts with wealth. Our High-Net-Worth proposition is built to assess affordability across income, assets, or both – giving us the flexibility to lend where others can’t.
- Contact our High-Net-Worth team
A mortgage approach that recognises your client’s true wealth – not just their income.
Whether your strength lies in liquid investments, property holdings, income, or diversified portfolios, we look at your wealth. By combining expert underwriting with a holistic affordability framework, we turn verified wealth into borrowing power – without forcing your finances into a conventional mould. This is lending designed for how high-net-worth clients actually live and invest.
Asset-Based Affordability That Sees the Whole Picture
We look beyond payslips to assess verified assets, investments, and complex wealth structures – giving asset-rich clients access to lending that reflects their true financial position.
No Forced Asset Moves. No Private Bank Strings.
Clients keep their investments exactly where they are. There’s no AUM requirement and no obligation to transfer portfolios – just flexible lending built around choice.
Bespoke Lending for Complex, High-Value Cases
Designed for entrepreneurs, international executives, and sophisticated borrowers, our underwriting supports non-standard income, overseas assets, and complex financial lives.
User stories
Mortgages where your wealth comes first. Take a look at some of our user stories for the type of customers we lend to.
Business Owner
The asset-rich business owner who looks ‘unaffordable’ on paper
Jeff
Occupation: Company Director
Income: £100k
Net assets: £5m
The client
Jeff is a company director with over 20 years’ experience building a profitable consultancy business. He pays himself a modest salary, reinvesting profits while growing a substantial residential, commercial and development property portfolio.
The challenge
Jeff needed to refinance a £2m residential mortgage that had reverted to SVR and raise additional capital. His salary alone did not meet traditional affordability tests.
The Afin solution
Afin assessed Jeff’s full asset base, using an asset-led affordability approach rather than salary alone. This allowed us to structure an interest-only, five-year solution without requiring any investment assets to be moved.
The outcome
Where others saw limited income, Afin recognised overall wealth—unlocking lending that reflected Jeff’s true financial position.
For illustrative purposes only. Not a real client case.
Tech Founder
The tech founder whose payslip doesn’t tell the whole story
Arjun
Occupation: Tech Founder
Income: £50k
Net assets: £7m
The client
Arjun is a serial tech entrepreneur with significant wealth held in shareholdings across high-growth fintech and AI ventures. His salary is modest and does not reflect his overall financial position.
The challenge
Arjun wanted to purchase his first home in central London for £1m as his startup expands. Despite a £300k gifted deposit, he was declined by a high-street bank due to salary-based affordability.
The Afin solution
Afin independently verified Arjun’s shareholdings and assessed his total net wealth, taking an asset-based approach to affordability rather than salary alone.
The outcome
By recognising real financial strength, Afin enabled an interest-only, two-year tracker mortgage that supported Arjun’s next stage of growth.
For illustrative purposes only. Not a real client case.
No UK footprint
The international executive with a UK footprint of… almost zero
Louise
Occupation: Head of UK Operations
Income: £120k
Net assets: £5m
The client
Louise relocated to the UK to lead a European business. She is paid in multiple currencies, holds most of her wealth overseas, and has limited UK credit history.
The challenge
Louise wanted to purchase a £1.5m UK home during her five-year assignment. While she had a £500k deposit, her UK income alone made affordability tight.
The Afin solution
Afin verified Louise’s international income and overseas assets, translating her global wealth into a clear sterling position – without requiring any assets to be moved.
The outcome
By assessing the full international picture, Afin delivered an interest-only, five-year mortgage that works for globally mobile executives.
For illustrative purposes only. Not a real client case.
FAQs
Show all FAQs-
The Afin HNW mortgage product is a specialist mortgage product designed for clients that fit the high-net-worth criteria, with a large amount of wealth. These clients require bespoke affordability. At Afin Bank, we take a holistic overview of their wealth profile when assessing their borrowing needs.
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The definition of a HNW individual is a client with a minimum net income of £300k per annum or a client with minimum net assets of £3m. This definition applies on an individual basis, and cannot be shared between a couple.
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The Afin HNW mortgage enables clients to use certain assets which can be used to support mortgage affordability. This is especially useful for asset-rich, income-light individuals who may otherwise be classed as unaffordable using traditional income-focused affordability assessments. A lack of an income is not a barrier to accessing an Afin HNW mortgage.
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The Afin HNW mortgage enables us to use a range of liquid and illiquid assets to support affordability. These assets include, but are not limited to: cash holdings, investment portfolios, pensions, real estate, private shareholdings, private equity or venture capital holdings, assets held in trusts, boats, cars, fine art, jewellery and luxury collectibles, etc.
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Yes, we can combine multiple asset types when using assets. Full evidence of the assets used will be required, including valuations. The absence of income does not prevent access to an Afin High-Net-Worth mortgage.
Let’s work together
“Every individual’s financial profile is different. For asset-rich, income-light clients, the Afin High-Net-Worth mortgage allows for flexible, inclusive lending tailored to their wealth profile. Let’s talk and see how we can help.”
