Does Julius Baer offer mortgages in the UK?

by Aaron Strutt

Jun 01 2025

There is a huge amount of competition to attract high-net-worth and ultra-high-net-worth borrowers in the mortgage market. High street mortgage lenders have been targeting private banking customers to offer them more competitively priced large loan rates with the need for them to provide assets under management.

1. Does Julius Baer offer mortgages in the UK?

Yes—Julius Baer provides real estate financing, including mortgages, but these are predominantly offerings that are tailored and discretionary rather than standard retail products.  there is competition to attract high-net-worth (HNW) and ultra-high-net-worth (UHNW) borrowers in the mortgage market. 

2. What is the mortgage lending criteria?

Julius Baer’s general lending criteria aren’t publicly detailed, but broadly for high‑net‑worth and private bank mortgages in the UK, lenders typically:

• Require significant assets or income, often ≤60–65% loan-to-value (LTV), though up to smaller deposit mortgages may be offered in strong cases.

• Assess overall wealth—not just income—including investments, bonuses, pensions, foreign income, trusts, RSUs, and business holdings.

• Require minimum assets under management with the bank (often from £500 k upwards), though some offer dry lending without asset requirements.

• Provide bespoke underwriting, flexible repayment (interest-only, part-and-part), and take account of complex income/property structures.

• Utilise discretionary frameworks beyond standard mortgage models, especially for complex cases.

Given Julius Baer's private banking model, acceptance likely hinges on a holistic wealth assessment, relationship, and lending discretion rather than fixed numeric thresholds.

3. Which private banks does Julius Baer compete with in the UK?

Julius Baer competes within the UK private banking sector alongside:

• Arbuthnot Latham & Co. This lender is great for international clients and larger loan complex cases.

• C. Hoare & Co. Excellent for land owners and those with country estates.

• Coutts & Co. Good for international clients and those with complex situations seeking £1 million+.

• Goldman Sachs International. Excellent for ultra-high net worth.

• Handelsbanken. A more down-to-earth private bank with some decent acceptance criteria. 

• JPMorgan Chase & Co. Excellent for ultra-high net worth.

• UBS. Excellent for ultra-high net worth.

Additional players expanding in the UK market include EFG, which is pursuing aggressive growth and attracting ultra-high-net-worth clients.

4. What other banks Julius Baer customers could use for potentially cheaper mortgage rates?

For high-value or HNW mortgage options, clients could explore:

Here is Trinity Financial's pick of the lenders offering £1 million and £2 million mortgages. You can also view our best buy table.

5. How much are the lowest priced £1 million+ mortgages?

There is a wide selection of lenders offering £1 million+ mortgages starting from 3.75%. 

Summary Table

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage