Lending and mortgages
Manual underwriting based on your full financial picture
Weatherbys Private Bank offers flexible loans and mortgages secured against residential property using flexible underwriting rather than fixed criteria and automated credit scoring. We consider applicants of all ages and assess a variety of income streams, such as salary or investments. We will also consider various asset classes or guarantees as potential security.
Key lending features:
- Not reliant on credit scoring: We use human assessment, not algorithms to understand your wealth and affordability.
- No upper age limit: We consider applicants of all ages, including those aged 70 and over.
- Asset-backed lending: We consider investment portfolios as part of your security.
- Manual underwriting: Every decision is made by a person who understands complex HNW income structures.
- Fast decisions: Direct access to decision-makers for quick turnaround on bridging and offers.
When you apply for a loan or mortgage with us, we look at the bigger picture, taking time to understand your circumstances so we can make a well-informed, practical decision.
If bridging finance is more suitable, we can look at that too. We always aim to give you a quick decision and make the whole process simple and easy to understand and we will liaise with your surveyors and lawyers too.
How our lending process works
Initial consultation: Discuss your requirements with your named private banker.
Holistic assessment: We review your income, assets, expenditure and liabilities (manual underwriting).
Decision in principle: Receive a fast response from our in-house lending committee.
Valuation and legal: We liaise directly with your surveyors and solicitors to streamline the process.
Drawdown: Funds are released upon completion.
| Loan type | Best for | Key differentiator |
|---|---|---|
| Residential mortgages | Purchasing or refinancing a main home | Manual assessment of complex or multi-source income |
| Bridging loan | Short-term funding for property breaks | Fast execution and interest-only options |
| Secured loans | Capital for home improvements or gifting | Borrowing secured against property or liquid investments |
| Lombard loan | Unlocking liquidity without selling investments | Borrowing secured against an investment portfolio |
Lending FAQs
Weatherbys does not solely rely on using automated credit scoring. Every lending application is assessed individually by a private banker who reviews your full financial picture, including assets and investments.
Yes. Weatherbys has no upper age limit for applicants. We lend to older clients, considering pension income, investment portfolios and property assets.
Lending is primarily secured against residential property, but we also consider investment portfolios, land and personal guarantees as part of the overall security package.
Yes. We provide short-term bridging finance for clients who need fast access to capital before longer-term funding is in place or a property is sold.
Yes. Weatherbys can consider Lombard lending, allowing clients to borrow against an eligible investment portfolio without needing to sell their investments.
Don’t forget
Your home may be at risk if you don’t keep up repayments on the mortgage or loan secured against it.
All our mortgages and loans are subject to underwriting and criteria. You must be 18 or over to apply. Terms and conditions apply.