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Private Bank Mortgages
Private bank mortgages offer exclusive financing solutions that are tailored to the needs of high net worth individuals and affluent clients.
Panthera Finance have many years’ experience working with high and ultra-high net worth individuals and introducing them to private banks who can cater for their diverse needs.
What is a private bank mortgage?
Private bank mortgages provide bespoke financing solutions designed specifically for high-net-worth (HNW) individuals. Catering exclusively to affluent clients, private banks tailor their products, processes, and expertise to meet the unique financial needs of the wealthy.
Custom HNW mortgage lending
Panthera Finance are a team of highly experienced advisors, well accustomed to working with high and ultra-high-net-worth individuals and high-profile clients. While high street lenders may still offer the most suitable solution for some larger borrowing needs, we provide access to a diverse range of private banks, each specialising in different areas of the wealth spectrum.
Why do high-net-worth clients choose private bank mortgages?
For HNW clients exploring debt financing, private bank mortgages can offer greater flexibility than high street lenders. Private bankers are experienced in handling complex financial profiles and take a more holistic approach to assessing mortgage affordability, considering a client’s overall wealth. They also tend to be more open to asset-based interest-only repayment structures, which are less common with mainstream lenders.
Advantages of private bank mortgages
Key advantages of private bank mortgages include bespoke lending terms, integrated wealth management, enhanced service and discretion, and competitive, flexibly structured loans that align to the needs of affluent clients. This comprehensive financing approach enables clients to leverage assets effectively, while maintaining financial stability under the expert guidance of private bankers and their credit teams.
Panthera Finance’s Lasting Relationships
We appreciate that mortgage eligibility can be assessed through a holistic view of a person’s finances, ensuring a property loan is as individual as our clients’ needs. We are proud to have access to a vast network of private banks, covering a broad range of lending appetites and specialist niches, including entrepreneurs & business owners, c-suite executives, financial professionals, sport & entertainment professionals, tech industry leaders, private family and wealth beneficiaries, expatriates & global investors, and property investors & developers.
Expert advisers on hand to help
Our mortgage advisors have nurtured deep relationships with private banks and specialist lenders who understand the wider finances of wealthier borrowers. By choosing us as your property finance partner, we will work closely with key lending decision-makers to deliver high value mortgages and large lending facilities that are as bespoke as our clients’ needs.
Contact us to start your tailored property finance journey today.
Meet our dedicated team
Meet our experienced advisors who understand the nuances of private bank lending.
Andrew Chalton
Private Client Director
A former winner of the British Mortgage Award for “Large Loans,” Andrew is a seasoned structured debt advisor with over a decade of experience delivering bespoke funding solutions for high-net-worth and private clients.
He has cultivated strong relationships with Family Offices and key individuals within private equity and hedge funds. His expertise allows him to craft tailored solutions for clients with non-traditional income streams and diverse asset structures, ensuring their unique financial objectives are met.
Andrew is dedicated to providing exceptional service across time zones, ensuring both domestic and international clients receive the attention they deserve. His extensive network of professionals, including lawyers, tax advisers, buying agents and interior designers, enables him to address all client requirements seamlessly.
In his downtime, Andrew enjoys listening to motivational podcasts, traveling with his fiancée, playing golf, taking long walks with his Golden Retriever and watching his beloved Liverpool FC play at Anfield.
Tim Kemp
Co-founder
Tim is a co-founding partner of Panthera Finance LLP and the company’s principal.
He has 18 years’ extensive experience advising high and ultra-high net worth clients on high-value mortgages. Trusted by the UK’s top lenders, he connects clients with private banks for a holistic financial approach.
With a background as a financial planning consultant for expats in Singapore and many years as a mortgage broker in London, Tim provides mortgage advice in the context of a clients’ broader financial needs.
Tim enjoys spending time with his wife and son when not working and loves to travel and keep fit. He splits his time between London and Liverpool.
Alex Weldon
Associate Director
With 15 years’ experience in the property industry, Alex has extensive knowledge of the London & wider UK housing markets.
Since joining the finance sector in 2018, he has developed lending expertise and built strong lender relationships, achieving exceptional results for a diverse range of clients, including first-time buyers, portfolio landlords and high net worth individuals.
With a degree in engineering & design, Alex is highly analytical and excels in finding solutions for complex scenarios.
Alex is a dedicated father of two young children who enjoys the occasional round of golf while balancing family life.
Anthony Farren
Senior Mortgage & Protection Advisor
Since joining Panthera Finance in 2019, Anthony has specialised in residential, buy-to-let, expat mortgages, complex lending, and short-term bridging finance.
He serves a diverse client base, including first-time buyers, home movers, and expats seeking investment opportunities, offering tailored solutions to meet their needs.
As a skilled protection advisor, Anthony also helps clients with life insurance and protection planning, ensuring their financial security and peace of mind.
At home on the golf course and tennis court, he can also be found in the gym. When not there, Anthony loves to spend time with his family & friends, especially in a pub garden on a summer’s day.
Dan Gracie
Specialist Lending Director
With 18 years’ experience as a mortgage broker, Dan now specialises in complex cases and earned the 2023 British Specialist Lending Award for “Broker: Complex Income.”
He has developed strong relationships with lenders, which he leverages to create bespoke solutions for clients who don’t fit traditional criteria.
Dan handles a diverse range of scenarios, including expats, foreign currency income, overseas work, company owners, high net worth individuals, commercial properties and large property portfolios.
Outside work, Dan can usually be found on the tennis court, experimenting with different cuisines in the kitchen, or being a roadie for his drummer son and dancer daughter.
Jason Caprioli
Lending Director
Jason is a partner at Panthera Finance LLP and the company’s principal commercial specialist.
He focuses on securing development debt, long-term finance and equity for residential and commercial projects. With prior experience at major UK banks including Barclays and Coutts, as well as specialist start-ups, Jason excels in finding comprehensive finance solutions.
His close relationships with key lenders & funders and his attention to detail help to facilitate reliable funding decisions early in the process.
Jason is a keen athlete and has completed an Ironman and swum the English Channel. He regularly undertakes challenges to raise funds for both children’s and cancer non-profit organisations.
Our team are here to help
Our professional advisors would be delighted to speak with you and discuss your requirements.
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