Bespoke Buy-to-Let Lending for High-Net-Worth Investors

Achieve your property investment potential.
GB Bank - Getting it done.

Buy-to-Let Solutions for High-Net-Worth Investors

At GB Bank, we understand that high net worth (HNW) investors have unique ambitions and require a lending partner with the agility, expertise, and discretion to match. Our bespoke Buy-to-Let solutions are designed to support sophisticated investment strategies.

GB Bank’s definition of a High Net Worth individual is those that earn over £500,000 and have net assets of £10m+.

What we offer

Customised, high-value lending solutions for substantial asset holders.
Flexible financing for personal, SPV, trust, and offshore investments.
Loans available up to £20 million and up to 75% LTV
No UK residency required* – available to global HNW clients
No minimum income
Complex ownership structures considered, including SPVs, trusts, and offshore entities
Wide range of asset types accepted, including HMOs, Multi-Unit Blocks & Mixed-Use Developments
No maximum age
Arrangement fees can be added to the loan
Top-slicing considered

*UK bank account required

Speak to a Lending Specialist

Why Global Investors choose GB Bank?

Bespoke Funding for Ambitious Investors

We support high-net-worth investors with bespoke funding solutions — lending up to £20m, no matter the scale or complexity of the deal.

High loan amounts

Borrow up to £20 million, with competitive terms and up to 75% loan-to-value.

Flexible asset classes

We fund a wide range of properties including HMOs, MUBs, and mixed-use developments.

Complex structures considered

We support SPVs, offshore entities, and discretionary trusts - ideal for sophisticated investors.

Tailored lending solutions

Dedicated underwriters and fast-track approvals give you clarity, speed, and confidence.

FAQ's

Find quick answers to all your GB Bank queries! Explore our FAQ section for guidance on accounts and More

Frequently Asked Questions

Do you offer bespoke lending solutions for High-Net-Worth clients?

GB Bank specialises in structuring tailored Buy-to-Let finance for HNW investors with complex income, asset portfolios, or ownership structures. We take a pragmatic, relationship-driven approach and assess each case on its individual merits.

‍

Is there a maximum loan size for HNW clients?

We offer Buy-to-Let loans up to £20 million, with flexible terms to suit the unique requirements of HNW borrowers, whether they are investing personally, through a family trust, or via corporate structures.

‍

Can you consider global income or assets as part of affordability?

We work with intermediaries whose clients have global income streams, offshore assets, or wealth held in trusts. We understand the financial profiles of HNW individuals and offer flexible underwriting to accommodate them.

‍

Do you support portfolio investors looking to scale quickly?

We regularly work with clients building or restructuring large portfolios. Our process is designed to offer speed, certainty, and confidence, making us a strong partner for those looking to scale efficiently.

‍

What property types are available to HNW investors?

HNW clients can access lending on residential Buy-to-Let, HMOs, MUFBs, Mixed Use Developments, and developer exit loans. We’re also happy to consider prime properties, high-value units, and more complex investment scenarios.