Acorn Mortgage Desk · High-Net-Worth & Private Finance
When your wealth is tied up in vested stock (RSUs), multi-currency income, performance bonuses or global investment portfolios, high-street algorithms fall short. We connect High-Net-Worth individuals to private banking desks for bespoke £1M+ residential lending.
Private banking solutions
TECH & FINANCE EXECUTIVES
Standard lenders often cap bonus and RSU income at 50%. Our private banking partners can utilise 100% of your vested stock, performance bonuses and profit-share income to maximise borrowing power.
GLOBAL INCOME
Seamless underwriting for foreign nationals, British expats returning to the UK and multi-currency salaries in USD, EUR, SGD or CHF, avoiding severe high-street currency haircuts.
AVOID CAPITAL GAINS TAX
Need cash for a property purchase but do not want to sell your investment portfolio and trigger CGT? We arrange facilities secured against liquid assets or specialised collateral.
PRIVATE BANK ACCESS
Access bespoke interest rates by transferring a portion of your investment portfolio to a private bank to be held as Assets Under Management in exchange for premium lending terms.
HNW complex income & asset modeller
Section A · Global income streams
Section B · Asset liquidity (optional)
Indicative comparison
High-Street Algorithm Limit
£1,462,500
Private Bank Borrowing Capacity
£3,800,000
Extra Leverage Unlocked
£2,337,500
Potential CGT Preserved
£200,000
Illustrative modelling only. The CGT figure assumes 20% and is not tax advice. Capacity is subject to affordability, credit, assets, valuation and full underwriting.
Wealth Structuring Alert: By utilising 100% of your bonuses and RSUs, private bank underwriting increases your purchasing power by an estimated £2,337,500 while preserving your investment portfolio.
Convert your financial profile into a bespoke presentation for our private banking and specialist lender panel. Secure an Agreement in Principle without leaving footprints on your public credit file.
Send these figures straight to a specialist broker — no need to re-enter your numbers.
Apply with These FiguresAcorn Finance / Acorn Mortgage is authorised and regulated by the Financial Conduct Authority (FCA #660207). YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Certain bespoke lending structures for High-Net-Worth individuals (as defined by the FCA, generally those with an annual net income of no less than £300,000 or net assets of no less than £3,000,000) may fall outside standard regulated mortgage contracts.