Private Bank Lending

Private banks are a lot more willing to consider individual financial situations and lend accordingly with a bespoke tailored product. This might mean a large mortgage amount, lending on an interest-only basis, or taking multiple income streams into consideration.

Private bank mortgages are an integral part of the HNWIs mortgage market. By taking the private bank lending route it is possible to tailor a mortgage package which perfectly reflects your financial situation. The criteria used for private bank mortgages take into account income, assets and investments although there is a degree of flexibility available. These are not pre-packaged, off-the-shelf mortgage arrangements but specifically tailored private bank mortgages taking in the needs of each individual customer.

Whether you need a mortgage to fund a buy to let, commercial property or residential investment, you have come to the right place. Firco advisers will work with you to understand your lending needs and offer sophisticated solutions.

We provide advice on flexible mortgages, re-mortgage or improve residential or investment property, subject to eligibility criteria and status. Whether you want to purchase or develop your dream home or a buy-to-let portfolio, we can help with everything from short term bridging finance to developing an efficient financial structure for your investment properties.

We can successfully place mortgage applications for high net worth clients, regardless of how complex their financial situation is, via our network of trusted lenders. Our brokers are experts at helping high net worth clients who might have complex incomes. This can include bonus payments, profit-sharing agreements, or income and dividends from self-employment.

Our mortgage advisory team will work with you to understand your financial situation, plans and aspirations. We will connect you to financing that will best support your long-term goals.

Whatever your needs, we offer tailored service through marketable securities backed loans, residential mortgage lending, and specialised asset finance.

That is why our specialists work closely with you to gain a deep understanding of your financial circumstances and analyse your current debt structure. The result is an efficient approach to lending that is integrated into your long-term investment strategy.

Specialising in unique scenarios we are much more than just a mortgage broker, offering the full package with advice and guidance every step of the way. We know which private banks are active in the mortgage market, which ones are competitive and we know how to get the best deals. As a consequence of our ongoing research into the private banking mortgage sector we can quickly and efficiently close deals for our customers.

We don’t tend to publish mortgage rates on our website – ever more so for private bank mortgages. In most cases rates are negotiable and based squarely on the individual circumstances of the borrower, their plans, assets and income.

Firco is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence. We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please click on ‘Become a Client, Enquire Now’ at the bottom of the page and complete the enquiry form and we will normally contact you within the same working day during business hours or if you would prefer us to contact you outside normal business hours then please advise and we will quite happily do so. Alternatively you can email us with details about your requirements to or call us on 0151 372 0388