Mortgages without AUM | Private Wealth Mortgages | LDN

Mortgages Without Assets Under Management

Our private client advisers have a wealth of experience when it comes to arranging high-value property finance without assets under management. Providing you with only the most personal of services throughout the process, our strong relationships with both our valued clients and trusted lenders mean we are expert problem solvers who can think creatively about your case and offer you a bespoke solution to suit your needs.

Mortgages Without Assets Under Management

At LDN Finance, we understand high-value mortgages often require a bespoke and tailored approach where you may wish to have the flexibility of not having to place assets with the lender.

Traditionally, high net worth individuals looking to begin a private banking relationship have been required to place assets under management (AUM) as security against a large loan. However, as the market has become more saturated and competitive, many lenders now offer large mortgages without assets under management – basing applications on the client’s overall profile and not just the deal in question.

With access to a huge number of mainstream, private, and specialist lenders, our expert advisers are perfectly positioned to help you secure high-value property finance and nurture a new private banking relationship. As such, your personal broker will secure you the very best bespoke solution for your needs, whether you’re purchasing a multi-million home in Belgravia, remortgaging an existing asset to release equity or looking to expand your high-value buy to let portfolio.

To discuss your circumstances in more detail, get in contact with our expert private client advisers today. Alternatively, we have a dedicated Private Clients site, which provides more details for high-net-worth individuals, for more information contact us.

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Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.



We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.



We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.

What is dry lending?

Over recent years, private banks and specialist lenders have been forced to react to a changing property finance market. As more mainstream and commercial lenders have begun to enter the high-net-worth mortgage space and offer loans above £1 million, the private banking sector has had to become more flexible to remain competitive. Whilst private banking relationships traditionally relied upon the client placing AUM with the bank (such as cash, stocks, and shares), private banks are now increasingly reducing their asset requirements when offering large loans.

Mortgages without assets under management, also known as ‘dry lending’, are when assets do not need to be transferred to the bank to secure a mortgage. Instead, the private bank assesses each client’s affordability by taking their wider wealth, income and asset profile into account – no matter where the assets are held. This enables our expert brokers to present your full financial circumstances to our extensive network of commercial and private banks to secure a large mortgage without assets under management that best suits your requirements.

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How can LDN Finance help to secure mortgages without assets under management?

At LDN Finance, we understand you may wish to have the flexibility of not having to place assets with the bank. We take a holistic approach to understand your circumstances in their entirety, no matter how complex your circumstances may be, before presenting our trusted network of private and specialist banks with your full financial profile.

As this type of lending has become more readily available in correlation with an increasingly competitive market, private banks are keen to maintain long-lasting and trusting relationships with their clients. The beauty of this relationship is that there is no ‘one size fits all’. Our expert brokers have a wealth of experience in securing mortgages without assets under management working closely with our trusted network of private banks and specialist lenders to arrange bespoke mortgage arrangements to suit your circumstances at competitive, market-leading rates. As such, you can expect to receive a much more personal service as opposed to the transactional nature of taking out a conventional mortgage.

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Our happy clients

Excellent and outstanding professional service from start to finish. From offering as many options as possible, to explaining to me very quickly what the benefits are and what I should really be thinking about moving forward. Thoroughly recommend.

Mr. M

July 2021

5 Stars! The LDN team supported us purchasing our family home, without their support and as an expat it would have been very difficult to obtain our new home in the UK. I would totally recommended them.

Mr. S

August 2021

Johnny Martin held our hands through the entire process calmly and professionally. Brilliant service, efficient and swift in response to everything. He made the entire journey uncomplicated even when the bank made it complicated. Highly recommended.

Mr. H

July 2021

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Contact our professional and experienced private client advisers today for an efficient, discreet and tailored service.


Prefer to chat? Call us on 020 3903 9875


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