---
title: "Private home loans and private home financing"
description: "A private home loan is a residential mortgage arranged through a private bank or specialist lender for a home the borrower will live in, rather than an investment property."
url: "https://mortgagelane.com/guides/private-bank-mortgages/private-home-loans-and-private-home-financing"
site: "Mortgage Lane"
collection: "guides"
date: "2026-08-17"
author: "Seren Norton"
category: "Mortgage guide"
reviewed: "2026-08-17"
reading_time: "2 min"
byline: "Seren Norton"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Private home loans and private home financing

A private home loan is a residential mortgage arranged through a private bank or specialist lender for a home the borrower will live in, rather than an investment property.

A private home loan is a residential mortgage arranged through a private bank or specialist lender for a home the borrower will live in, rather than an investment property.

[Private bank mortgage](https://mortgagelane.com/definitions?term=private-bank-mortgage)

Specialist lending

A mortgage provided by a private bank, often assessed alongside the borrower’s wider assets, income and banking relationship.

[Read the full definition of Private bank mortgage](https://mortgagelane.com/definitions?term=private-bank-mortgage)

Back to overview

[Private Mortgages](https://mortgagelane.com/specialists/private-bank-mortgages)

Related definitions

[High net worth mortgage](https://mortgagelane.com/definitions#def-high-net-worth-mortgage)

·

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

## Private home loans and private home financing

A private home loan is a residential mortgage arranged through a private bank or specialist lender for a home the borrower will live in, rather than an investment property. Private home financing is most commonly used by borrowers whose income or wealth structure does not fit standard residential underwriting, such as entrepreneurs, partners in professional firms, individuals paid substantially in bonuses or foreign currency, and buyers of high-value homes.

Private home lenders assess residential affordability on a bespoke basis. Rather than applying a fixed income multiple, private home lenders can consider retained profits in a business, investment income, vesting stock, pension assets, and liquid wealth when determining how much can be borrowed. This often allows a larger loan than a high street lender would offer against the same financial position.

Private home financing is regulated mortgage lending when secured on the borrower’s own home. Mortgage Lane is authorised and regulated by the Financial Conduct Authority (FCA), and advice on private home loans follows the same regulatory protections as any other regulated residential mortgage, unless a formal high net worth exemption is used and documented

## Talk it through with an adviser

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

Published: 2026-08-17

Last reviewed: 2026-08-17

Source: https://mortgagelane.com/guides/private-bank-mortgages/private-home-loans-and-private-home-financing