Interest-only high net worth mortgages

Interest-only borrowing is widely available to high net worth borrowers, because lenders can rely on credible repayment strategies such as investment portfolios, sale of other assets, business sale proceeds, or future liquidity events. An interest-only high net worth mortgage keeps monthly payments lower and preserves capital for investment elsewhere.

Lenders assessing interest-only HNW mortgages will focus on the plausibility of the repayment strategy. Documented investment assets, pension entitlements, other property, or contracted future income can all support an interest-only structure, subject to lender criteria.

Part-and-part structures, combining interest-only and capital repayment elements, are also available and can be an effective compromise where a lender caps the interest-only portion of a large mortgage.