High-net-worth & ultra-high-net-worth clients
Substantial borrowing, complex income or wider property plans? Speak directly with Steven about mortgage options, specialist finance and protection.
A direct point of contact, with specialist introductions where your plans call for them.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.
For entrepreneurs, company directors, senior professionals and families whose finances need more context than a single income figure.
Discuss a main residence, second home or remortgage. We consider the borrowing requirement, available deposit, income and repayment plan before identifying suitable lending routes. A private bank may be relevant, but is not automatically the most suitable option.
Your income may combine salary, dividends, business profits, bonuses, carried interest or investment income. Lenders assess these differently. We work through the evidence and how sustainable income can be presented, rather than assuming your assets alone will meet affordability requirements.
Where suitable and available, discuss repayment flexibility or offsetting cash against mortgage borrowing. Interest-only requires an acceptable plan to repay the capital. Holding an offset deposit also has an opportunity cost; the overall arrangement needs careful comparison.
UK property enquiries involving overseas income, expatriate residency or international ownership need early checks. Country, currency, residency, ownership structure and source of wealth can all affect the available lenders and documentation.
02 / Property beyond your home
Assess each transaction alongside your existing commitments and the purpose of the borrowing.
Enquiries can include portfolio refinancing, limited-company buy-to-let, houses in multiple occupation and multi-unit buildings. Rental cover, existing debt, ownership and the wider portfolio affect the lender’s assessment.
Discuss commercial premises or mixed residential and commercial investments. The property, lease, business or rental income and borrower structure determine which specialist route may fit.
Short-term property finance may be relevant when buying before selling or planning a refurbishment. It needs a credible exit strategy and careful attention to the total interest, fees and consequences of delays.
Self-build and property-development finance are different lending needs. We can explore the appropriate route, including an introduction to a specialist finance firm for development cases. The project, experience, costs and exit plan must be assessed before funding can be proposed.
Panel insight
We compare high-street, private-bank and specialist routes against your income, borrowing, repayment strategy and overall cost.
Examples from our panels. Product access, eligibility and any specialist introduction are checked for each enquiry.
A familiar lender can still be a relevant option for a high-value home or a more complex income.
Large residential borrowing
Large residential borrowing, with Premier case support where applicable.
Complex income and large loans
Large-loan enquiries involving complex income, subject to evidence and assessment.
High-value home purchases and remortgages
Substantial residential borrowing, assessed against the property, deposit and affordability.
High-value and Premier options
High-value, Premier and offset enquiries, with product access and banking requirements checked.
Additional routes where the property, income, residency or ownership structure calls for individual consideration.
Bespoke high-value mortgages, including assessment of bonuses, carried interest and equity income. International circumstances and investment-property structures can be considered.
Individually assessed residential and self-build lending, including complex income, certain foreign currencies and unusual property requirements.
Larger mortgages and bridging, with published criteria covering multiple income sources, expatriates, unusual properties and interest-only enquiries.
Specialist buy-to-let and semi-commercial lending, alongside residential and commercial bridging for more complex property-finance requirements.
Buy-to-let portfolios, houses in multiple occupation, commercial and semi-commercial property. Its criteria include portfolio loans across multiple properties.
Sharia-compliant home and investment-property finance, including enquiries from eligible UK expatriates and international residents.
We compare the overall cost, repayment structure, income treatment and any banking relationship required. A recognisable name or private-bank label is not a recommendation.
Availability depends on your circumstances, lender criteria and distribution arrangements. Specialist finance may involve a referral or packaging route. We explain who is advising and any charges before you proceed.
03 / Protect what matters
Review family commitments, income and business interests together, with cover and ownership matched to the need.
Consider life cover and critical illness cover alongside borrowing, dependants and the financial support your family would need. Larger sums assured require appropriate financial and medical evidence.
Review income protection against your earnings, existing benefits and essential commitments. Benefits depend on the policy definition of earnings, deferred period, cover limits and terms.
Explore key-person, shareholder, partnership and relevant-life cover where appropriate. The business purpose, ownership and intended recipient of the benefit need to be clear.
Where suitable, life or whole-of-life cover can provide funds on death, including towards a potential inheritance-tax liability. Trust and estate arrangements need appropriate legal and tax advice; insurance does not remove the tax liability.
Examples from our protection panel with published services for larger or more complex cases.
Dedicated large-case support
Large-case support for life, critical illness and income protection applications.
Personal and business protection
High-Value Protection support for larger personal and business cases.
High Value and Premier services
High Value and Premier services for eligible substantial or complex protection cases.
Private Clients and large-case services
Private Clients and large-case support, including underwriting and medical evidence.
Cover, premiums and specialist-service eligibility depend on underwriting and the insurer’s terms. Exclusions and limits apply. We assess suitability before recommending a policy.
With your permission, we can work alongside your accountant, solicitor or existing wealth adviser. MOVA does not provide legal or tax advice, investment management or private-banking accounts through this service.
A personal starting point
A property purchase, a refinancing decision or a more complex set of plans. Start with the objective and we will work through the information needed.
A clear process
Discuss the property, borrowing, income, ownership and timing. Please keep sensitive financial documents out of your initial website message.
Review lender fit, evidence requirements, repayment strategy and costs. Where specialist advice is needed, we explain the introduction.
Agree what is required for an application and keep the relevant parties informed with your consent. Approval remains the lender’s decision.
We welcome enquiries from high-net-worth and ultra-high-net-worth individuals. The starting point is the actual borrowing and protection need, not a wealth label. We will establish whether MOVA can advise on the case or whether a specialist introduction is appropriate.
Requirements differ. Some lending propositions may involve a banking or asset relationship; other routes do not. We will establish any conditions with the proposed lender before you decide. MOVA does not advise you to transfer investments as part of this service.
Some lenders take a broader view of wealth, income and repayment sources, but assets do not guarantee borrowing. They will still assess the evidence, affordability or applicable lending basis, security and repayment strategy. This page concerns property-secured finance, not securities-backed lending.
There is no single threshold across all the routes shown here. Each lender has its own requirements. Tell us the proposed borrowing and circumstances so we can assess where to begin.
Yes, with your permission we can coordinate the information relevant to the finance or protection enquiry. Each professional remains responsible for their own advice. We agree what can be shared before doing so.
We explain the scope and cost of MOVA’s service before you proceed. Any lender, insurer, legal or specialist charges are separate and will be set out by the relevant provider. We also explain any applicable introduction arrangement before a referral.
Your next move
Speak directly with Steven about the outcome you have in mind.
Provider capabilities were checked against official published information on 6 November 2026 and matched to the network panel information supplied to MOVA. Access to a lender does not guarantee access to every division or product. Criteria, availability, distribution and individual eligibility must be confirmed at the time of the enquiry.
Development and other specialist finance may be arranged through an introduction. Not all buy-to-let or commercial finance is regulated by the Financial Conduct Authority. Protection is subject to underwriting and policy terms; tax treatment depends on individual circumstances and can change. MOVA does not provide tax, legal or investment advice through this service.
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