Complex Wealth Handled with Confidence
Bespoke UK mortgages for High Net Worth clients, City professionals, and complex income.
Your mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up payments on your mortgage or on any other debt secured against it. The Financial Conduct Authority does not regulate some forms of Buy to Lets.
WELCOME TO THE MARTEL FAMILY
Navigating non-standard wealth and income
High-street banks often struggle when income and wealth do not fit a standard lending model. You may have non-conventional earned income but hold significant assets and investments, be paid in multiple currencies, receive irregular bonuses, or work for an overseas firm.
With ten years’ experience in the City managing complex lending cases, we work directly with specialist underwriters and private banks that understand how to assess – and, where appropriate, leverage – the wider value of your wealth.
Every recommendation is shaped around your assets, income, family circumstances and long-term plans, providing discreet, bespoke advice for both immediate borrowing needs and the years ahead.
Get in touch with us by calling on 01727 309 160 (M-F, 9am-6pm) or submitting our online form. When you call, you'll speak to a real person, based in the UK. They'll take your details and your broker will get back to you directly.
HOW WE WORK TOGETHER
Taking things step by step
Whether you are down the road in St Albans, commuting from Harpenden, or dialling in from a different time zone entirely, we keep our process completely transparent
A Friendly Chat
We talk through your plans over the phone or a coffee to see how I can help.
The Search
We explore mortgage options from high street, specialist lenders, and private banks, to find the right fit for your situation.
The Paperwork
Once you send over your basic documents, we handle the application forms and chase the providers.
Our initial conversation is entirely without obligation. If you would like to run some numbers or just want to ask a quick question, drop us a message.
SPECIALIST IN COMPLEX INCOME STRUCTURES
How can we help?
We look at your whole financial picture, not just a payslip.
Business Owners & Entrepreneurs: We assess your total company performance rather than just the salary you draw. We can use retained business profits and director loans to secure the right mortgage.
City Professionals & Executives: We understand how complex vesting schedules, restricted stock units, and irregular bonuses work. We package these diverse income streams clearly so underwriters see your true earning power.
Global Earners & Expats: We find lenders comfortable with international wealth if you are paid in foreign currencies. We handle the currency buffer requirements to make your application straightforward.
Every client has a unique financial setup, and these examples only cover the most common situations. If your circumstances do not fit a neat category, we can still help you find a way forward.
WHAT YOU NEED TO KNOW
Clear Mortgage Advice for High Net Worth Clients
Securing a mortgage when you don't live in the UK can sometimes feel a little overwhelming. We talk you through each step and ensure the whole process runs smoothly.
Can I use my business's retained profits for my mortgage?
Yes, as many specialist lenders will assess the total net profit left inside your business. While others may only look at salary and dividends, we secure terms based on your true company performance.
How do you handle restricted stock units (RSUs) and City bonuses?
We package your compensation history to show a clear track record of your variable income. Our lenders understand vesting schedules and can use your RSUs to support the application.
Can I get a UK mortgage if I am paid in a foreign currency?
Yes, we secure terms for clients paid in major global currencies including, but not limited to; US Dollars, Euros, or Swiss Francs.
Lenders will apply a buffer for exchange rate fluctuations, but we know which ones are most flexible. You can find out more on our Overseas page here.
Do I have to move my assets to a private bank to get a high-value mortgage?
No, since we work with specialist lenders who do not require you to transfer your investment portfolios. You can secure highly competitive rates while keeping your wealth exactly where it is.
However, if it is an advantage we can arrange for you to speak to a Private Bank about your general banking with no obligation to move unless it makes financial sense.
I have multiple corporate entities and complex business structures. How do lenders view this?
Most high street banks struggle when your tax return does not show a simple salary. We work with underwriters who look at the combined performance across your corporate group to determine your true borrowing power.
Can you assist with purchasing a listed building or a large country estate?
Yes, because we work with specialist underwriters who understand unique estates and complex titles. Standard lenders often reject listed buildings, but we know how to package these applications successfully.
You may also find our Buy to Let page helpful if you're looking to buy an investment property. Have another more specific question? Just get in touch.