---
title: "High net worth mortgages through companies and trusts"
description: "High net worth borrowers frequently hold or purchase property through limited companies, limited liability partnerships (LLPs), or trust structures, whether for privacy, succession planning, or tax reasons agreed with their professional advisers."
url: "https://mortgagelane.com/guides/mortgages-high-net-worth-mortgages/high-net-worth-mortgages-through-companies-and-trusts"
site: "Mortgage Lane"
collection: "guides"
date: "2026-08-15"
author: "Seren Norton"
category: "Mortgage guide"
reviewed: "2026-08-15"
reading_time: "2 min"
byline: "Seren Norton"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# High net worth mortgages through companies and trusts

High net worth borrowers frequently hold or purchase property through limited companies, limited liability partnerships (LLPs), or trust structures, whether for privacy, succession planning, or tax reasons agreed with their professional advisers.

High net worth borrowers frequently hold or purchase property through limited companies, limited liability partnerships (LLPs), or trust structures, whether for privacy, succession planning, or tax reasons agreed with their professional advisers.

[High net worth mortgage](https://mortgagelane.com/definitions?term=high-net-worth-mortgage)

Specialist lending

A mortgage arranged for a borrower with substantial income or assets, often involving an individual assessment of their financial position.

[Read the full definition of High net worth mortgage](https://mortgagelane.com/definitions?term=high-net-worth-mortgage)

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[High Net Worth Mortgages](https://mortgagelane.com/specialists/high-net-worth-mortgages)

Related definitions

[Personal guarantee](https://mortgagelane.com/definitions#def-personal-guarantee)

·

[Mortgage](https://mortgagelane.com/definitions#def-mortgage)

## High net worth mortgages through companies and trusts

High net worth borrowers frequently hold or purchase property through limited companies, limited liability partnerships (LLPs), or trust structures, whether for privacy, succession planning, or tax reasons agreed with their professional advisers.

Lending to companies and trusts is a specialist area. Lenders will assess the structure itself, the individuals behind it, and typically require personal guarantees from the beneficial owners. Not all lenders accept every structure, and offshore ownership narrows the lender pool further, making whole-of-market access important.

We arrange HNW mortgages for personal, corporate, and trust borrowers, and can work alongside the client’s tax and legal advisers to ensure the lending structure matches the ownership structure. Mortgage Lane does not provide tax advice.

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-08-15

Last reviewed: 2026-08-15

Source: https://mortgagelane.com/guides/mortgages-high-net-worth-mortgages/high-net-worth-mortgages-through-companies-and-trusts