---
title: "Private Mortgages: detailed guide"
description: "Detailed explanations and criteria for Private Mortgages."
url: "https://mortgagelane.com/guides/specialists-private-bank-mortgages-details"
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 Mortgages: detailed guide

Detailed explanations and criteria for Private Mortgages.

Expert advice on private bank mortgages for high net worth clients, expats & complex income. Whole of market access to UK private lenders.

[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

[Private bank mortgage](https://mortgagelane.com/definitions#def-private-bank-mortgage)

## Private bank mortgages

A private bank mortgage is a mortgage provided by a private bank, usually to high net worth clients, and underwritten on a bespoke basis rather than through standard affordability models. Private banks assess the borrower’s overall wealth, income streams, and asset position, which allows greater flexibility on loan size, interest-only borrowing, and complex ownership structures.

[Read more about Private bank mortgages](https://mortgagelane.com/guides/private-bank-mortgages/private-bank-mortgages)

## 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.

[Read more about Private home loans and private home financing](https://mortgagelane.com/guides/private-bank-mortgages/private-home-loans-and-private-home-financing)

## Mortgage loans from private individuals

A mortgage loan from a private individual is an arrangement where a person, often a family member or private investor, lends money secured against a property instead of a bank. These privately funded arrangements sit outside mainstream mortgage products and carry legal and regulatory considerations for both parties, including whether the lender requires FCA authorisation for regulated mortgage contracts.

[Read more about Mortgage loans from private individuals](https://mortgagelane.com/guides/private-bank-mortgages/mortgage-loans-from-private-individuals)

## Private mortgage lenders and private mortgage companies

Private mortgage lenders are specialist, non-high-street lenders and private mortgage companies that provide mortgage finance outside standard bank criteria. Unlike private banks, most private mortgage companies do not require a wider banking or investment relationship; the lending decision is based on the security, the borrower profile, and the exit or repayment strategy.

[Read more about Private mortgage lenders and private mortgage companies](https://mortgagelane.com/guides/private-bank-mortgages/private-mortgage-lenders-and-private-mortgage-companies)

## Large mortgages and high net worth lending

A large mortgage, sometimes called a million-plus mortgage, is a loan size above the comfortable lending range of most high street banks and is usually arranged through private banks or specialist large loan lenders. Loan size thresholds vary by lender.

[Read more about Large mortgages and high net worth lending](https://mortgagelane.com/guides/private-bank-mortgages/large-mortgages-and-high-net-worth-lending)

## 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/specialists-private-bank-mortgages-details