Barclays Private Bank mortgages

Using Barclays Private Bank for a mortgage or financial services can offer distinct advantages—but it’s best suited for high-net-worth individuals (HNWIs) or those with complex income structures like RSUs, bonuses, or international assets.

Barclays Private Bank offers residential and buy-to-let fixed and variable-rate mortgages, typically for properties in prime postcodes. Its mortgage rates are typically available up to £10 million as standard.

Here’s a breakdown of why someone might use Barclays Private Bank:

Why Use Barclays Private Bank To Get A Mortgage?

1. Tailored Lending Solutions

• Custom mortgage structures (e.g., interest-only, large loans over £1m, cross-border collateral).

• Willingness to lend based on:

  • RSU income, bonuses, foreign income.

  • Assets under management (AUM) rather than just salary. Potentially lend against property portfolios. 

• Mortgages can be asset-backed or linked to your investment portfolio (e.g. Lombard lending).

2. Access to Larger Mortgage Amounts

• Suitable for £1 million+ mortgages or where you exceed traditional loan-to-value or income multiples.

• Can offer high loan-to-income multiples (e.g., 5x–6x) for qualifying clients.

3. Flexible Underwriting

• Can consider non-standard income, including:

  • Vested and expected RSUs (case-by-case).

  • Carried interest (e.g., in private equity).

  • Dividends, trust income and international salaries.

4. Wealth and Investment Services

• You gain access to:

  • Dedicated private banker.

  • Investment advisory/portfolio management.

  • Tax planning, succession, and estate services.

• Often a “whole balance sheet” approach—not just lending, but full wealth management.

5. Cross-Border Capabilities

• Useful if you're:

  • An expat or foreign national buying in the UK.

  • Holding global assets.

  • Paid in non-GBP currencies.

  • Running an international firm.

6. Barclays for Intermediaries Offers High-Net-Worth Client Mortgages Aswell 

• If your financial situation is not too complex, you may be better off with a standard Barclays mortgage:

  • Barclays for Intermediaries offers larger mortgage loans to higher earners and has some impressively priced rates if you want a mortgage between £2 million and £10 million.

Considerations Before Choosing Barclays Private Bank

Ideal For:

• Tech professionals with RSU-heavy compensation looking for £1m+ mortgages.

• Entrepreneurs, business owners, or private equity partners with complex income.

• Expats or HNWIs wanting holistic wealth planning + lending in one place.

• Buyers seeking bespoke structures like interest-only, currency-linked, or investment-backed mortgages.

If you don’t meet the eligibility thresholds or want a mortgage without bundling wealth management, a specialist mortgage broker like Trinity Financial may get you similar flexibility without the private bank commitment. 

Comparison: Barclays Private Bank vs Specialist Broker Like Trinity Financial

How Trinity Financial Can Help You Get A £1million+ Mortgage

Choose a specialist broker if you:

• Don’t meet the AUM/investment thresholds for a private bank.

• Want the most competitively priced available rate without wealth management.

• Need help shopping around multiple lenders who offer large mortgage loans.

• Want quick approval and efficiency.

Call Trinity Financial on 020 7016 0790 to secure a private bank or £1 million+ mortgage, book a consultation, or complete our mortgage questionnaire. 

The information contained within was correct at the time of publication but is subject to change.

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