Borrowing designed around you

At Arbuthnot Latham, we offer a relationship-led approach to borrowing. We take the time to get to know you, your situation, and then design a lending solution that is right for you. We have a reputation for flexibility, speed of decision making, and an ability to create simple lending solutions in response to what can sometimes be complex needs.

As a private bank, we can consider your overall earnings to determine affordability. This is especially important if you work in a profession where you have an irregular monthly income.

Become a client

How we can help you

Buying your dream home, a holiday home or a second property? We can help with our relationship-led borrowing service. Our lending team will collaborate with your private banker to create a mortgage that is designed around you and your needs.

  • Mortgages from £500,000 or currency equivalent
  • Currency mortgages in US dollar and euro, secured by properties in the UK
  • Fixed rate and tracker rate mortgages across 2, 3 and 5 years (sterling only)
  • Advice provided on the most appropriate repayment strategy, terms and interest rate types
  • Terms available up to 15 years
  • Loan-to-value up to 60%, based on your individual circumstances
  • Sole propriety, joint mortgages available

We only offer advice on our own range of mortgage products. Find out more about our mortgages:

Become a client

Your home or property may be repossessed if you do not keep up repayments on your mortgage. Mortgages will only be provided to those over the age of 18. Credit is subject to status and approval.

Our specialisms

Supporting individuals with irregular income

For some professions earnings can fluctuate month by month and may come from different sources like commissions, dividends, and trust payments. We understand this and offer greater flexibility when assessing your ability to service your borrowing. We can consider your wider wealth and income across several different sources, including income derived in a foreign currency.

Helping international property investors

We are experienced in helping foreign investors finance UK real estate, either directly or through UK structures. With an income and asset base that is often derived and located outside the UK, our teams work with you to ensure that acquisitions are structured tax-efficiently from the outset.

Helping the next generation get on the property ladder

If helping your loved ones on to, and up, the property ladder is important to you, we can also support you with sole propriety, joint-borrower mortgages.

Access to a flexible borrowing facility

With our revolving credit solution, you have the freedom to draw down a loan, repay it and reborrow again whenever you choose, providing you do not exceed your limit.

Becoming a client

Take control of your finances today by completing our enquiry form. Alternatively, you can call us on the number below and one of our team will be more than happy to talk about your future.

+44 (0)20 7012 2500

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Private Banking with Arbuthnot Latham


Savings Accounts

Manage your money over the short and medium term, with our range of instant access, notice and fixed rate savings accounts.

Switching to us

Switching to Arbuthnot Latham couldn't be simpler with the Current Account Switch Service. Find out more with our Switch Service Guide and check if your current bank is part of the Switch Service.

Account Switching

Current & historic rates

Find out more about the details of our current and historic rates. You'll also find information on reference rates, VISA exchange rates and more. You can discuss any queries you have with your dedicated relationship manager.