Personalised Advice for Every Step of Homeownership Journey
If your income doesn’t fit a standard box, you need a lender who doesn’t use one. We move beyond high-street algorithms to access private banks and specialist lenders, structuring high-value facilities that align with your complex income and wider wealth objectives.
Preferential Rates
Equity Release
Private Bank Mortgages
Large Loan Specialists
Complex Income Solutions
Interest-Only Strategies
- Strategic Financing for Prime Acquisitions.
For high-net-worth buyers, the challenge is rarely affordability; it is structure. Whether you are acquiring a central London apartment or a country estate, we build the mortgage around your specific wealth profile.
How we can help:
- High-Value Large Loans
- Complex Income Structuring
- Private Bank Access
- Optimising Your Home Finance
Your home is often your most valuable asset, yet your largest monthly liability. We view refinancing as a strategic tool to optimize personal liquidity, not just a rate swap.Whether you need to reduce monthly costs through interest-only structures or release equity for lifestyle goals, we architect the facility to align with your long-term wealth strategy.
How we can help:
- Strategic Capital Release
- Private Bank Access
- Proactive Rate Management
- Cross-Border Mortgage Structuring
The UK property market is a global asset class, but financing it from abroad requires specialist underwriting. Whether you are an Expat, a Foreign National, or purchasing via an offshore trust, we access international banking desks that lend based on your global income streams.
How we can help:
- No UK Footprint Required
- Offshore & Trust Structures
- Foreign Income & Currency
Tailored Lending Advice, Built Around You
We work with leading banks and private lenders to tailor finance solutions that align with your needs — not just your paperwork.
Why Clients Choose Key Capital
We work closely with clients to secure better terms, unlock opportunities, and deliver long-term financial confidence. Whether your situation is straightforward or more complex, our experience across residential, commercial, and specialist finance ensures you receive clarity, insight, and a smooth path to completion.
Tailored Advice, Not Templates
Bespoke lending strategies shaped around your goals and informed by market insight.
Market Insight & Negotiating Power
Direct access to decision-makers at 100+ lenders, from private banks to specialist funds.
Efficient Execution
We align lenders and legal teams to keep your transaction moving with clarity and confidence.
Long-Term Partnership
We act as a discreet, long-term advisor — from first acquisitions to complex portfolio strategies.
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Frequently Asked Questions
Whether you’re buying your first home or navigating a more complex purchase, here are some common questions we’re asked.
If you’d rather talk it through — we’re here.
This depends on your income, existing liabilities, and property profile. While most banks offer up to 4.5x income, we work with private lenders and niche institutions that can go higher — especially for high-net-worth or complex-income clients.
Not necessarily. Some of our lenders specialise in helping clients who are new to the UK or don’t yet have a local credit footprint.
Yes. We routinely work with self-employed clients and international professionals. Whether you’re paid in USD, AED, or through dividends, we identify lenders who can assess your real income picture — not just your payslips.
With the right documents in place, we can secure terms in as little as 48 hours. Mortgage completion typically takes around four weeks for straightforward cases. For more complex scenarios, timelines may vary — but we proactively manage the process to keep things moving.
