Private Banking Mortgages
Opes Financial Partners are specialists in providing large mortgage and private asset finance to high net worth and ultra-high net worth clients. We provide a professional service that will achieve a result that meets your expectations. We have many years of experience assisting clients purchasing high value property in prime London and prime locations around the world. Through our extensive network of private banks we source and negotiate the best possible terms for our clients.
When providing private finance it is important to match the right banker with the client. Most private banks have specialist bankers for each sector specialising in resident domicile and non-domicile, non-resident Russia and CIS, South Asia, Far East Asia, Middle East and the Americas. Specialist bankers have a deeper local knowledge and are far better equipped to understanding a client’s source of wealth, aspirations and financial needs as well as the opportunity for the bank.
Private Banks are typically looking for a wider banking relationship rather than just assisting with stand-alone finance. This could include a requirement for cash on deposit or assets under management (AUM). We assist in providing the optimum balance between finance and deposits. Pricing and loan against value is impacted by the asset relationship. The spread on the loan can be considerably less when deposits and AUMs are brought to the relationship. Higher LTVs can be achieved through cross collateralization whereby the loan is secured over the property and other securable assets. There are also options available for standalone lending.
With our private clients confidentiality is of utmost importance. We offer to sign non-disclosure documents to guard sensitive client information. This is in addition to operating under UK data protection rules.
We often work closely with the client’s wealth manager, trustees, tax advisor, lawyer and existing banks to provide finance solutions that take into consideration legal and tax implications for the client.