Specialist Private Finance for Global Clients
GSB Private Finance
Asset-backed private finance solutions for individuals, corporate structures, companies, and trusts.
At GSB Private, we specialise in complex, cross-border facilities typically starting from £1m+. Our clients are high-net-worth individuals, families, and international structures who require bespoke lending solutions that standard retail banks cannot provide. We work only with a selective network of private banks and specialist lenders to structure facilities around your global assets and wealth profile.
To discuss any of these matters further, get in touch.
1.
Expatriate & International Client Mortgages (£1m+)
- Access to a selective pool of lenders who accept foreign nationals and expat applicants.
- Use of foreign income and foreign currency to demonstrate and support affordability;
- Borrowing against single assets, large portfolios, HMOs and student accommodation.
We specialise in arranging bespoke mortgage facilities for expatriates and international clients with cross-border wealth. This includes:
As an international client, your pool of lenders is more restricted and the landscape changes frequently. Our team maintains strong relationships with the selective lenders who remain active in this market, ensuring access for clients with significant borrowing requirements.
We work closely with you and chosen lenders to present your wealth profile in the right way, taking into account FX exposure, complex income, and offshore assets.
2.
Global Residential & Investment Property Finance
- Principal Private Residences (PPRs)
- Buy-to-Let (BTL) portfolios for investment
- Properties across the UK, UAE, Europe, and the Far East
Our team supports high-value purchases and refinancing
Typical facilities are structured from £1m upwards. We collaborate with buying agents and property specialists to help secure family homes or investment properties, while arranging bespoke repayment profiles, from interest-only to blended solutions.
Every transaction is unique. We structure financing in the most appropriate jurisdiction and format, ensuring facilities align with both investment and family objectives.
3.
High Net Worth and Complex Mortgages
- Onshore and offshore trusts, limited companies, foundations, and funds
- HNW exemptions to support affordability
- “Dry lend” mortgages without Assets Under Management (AUM) requirements
Our expertise lies in bespoke mortgage solutions for clients with complex income, asset, or ownership structures. We work with private banks and specialist lenders able to look beyond rigid retail credit models.
As a HNW or UHNW client, you often require flexibility that retail banks cannot provide. We secure lending solutions that accommodate your business structures, global income, and evolving regulatory landscape, while ensuring your wider wealth is considered at every stage.
4.
UAE Mortgages (Private Client & Investment Focus)
- Dedicated home loan services for clients looking to purchase a residential or investment property in the UAE;
- Ready-made property and offplan developments;
- Residents and non-residents;
- Employed and self-employed;
- Home Loans (brought to you by Holo).
As a Dubai-headquartered firm, we provide specialist support for high-value residential and investment property finance in the UAE.
For private clients requiring bespoke, large-scale solutions, we leverage our network of lenders to structure competitive facilities for both residents and non-residents.
Alongside our Private Finance offering, we also provide Home Loans by GSB through our partnership with Holo, an online, fee-free mortgage broking platform for residents seeking standard local mortgages. This ensures both HNW clients and retail borrowers are directed to the right solution.
5.
Portfolio Landlord Finance
- Lending against multiple properties with cross-collateralised facilities
- Financing in personal names, companies, or partnerships
- Incorporating personal income to support portfolio lending (“top slicing”)
We arrange finance for professional landlords and corporate ownership structures
With ongoing tax and regulatory changes, lenders interpret landlord policies differently. We work with you to navigate this complexity, ensuring facilities remain scalable and efficient for portfolio growth. Typical engagements involve portfolios valued at £2m+.
6.
Bridging Finance for High-Value Transactions
- Short-term funding solutions;
- Assistance with an exit strategy and securing of new longer-term facilities when appropriate;
- Open and closed bridging solutions.
Bridging finance can provide the temporary solution required when you want to move quickly on a property purchase or refinance.
7.
Portfolio-Backed Lending (Lombard Loans)
- Quick underwriting and release of funds
- Low-cost, flexible structures
- Use of multi-asset portfolios or single-line stock/fund holdings
Lombard facilities enable liquidity without liquidating investments, secured against liquid portfolios such as equities, bonds, and funds.
Facilities are typically arranged from £500k upwards, allowing clients to fund property acquisitions, business investments, or lifestyle purchases without disturbing core portfolios.
How we can help?
Our services are designed for clients with complex finance requirements and facilities typically starting from £1m+. We act as a bridge between you and the selective network of private banks and specialist lenders able to deliver bespoke solutions.
To discuss any of these matters further, get in touch today. To read more about what we do and how our team can help you with these topics, download our Bespoke Finance Solutions guide below.
FAQs
Facilities generally start from £1m+, tailored to HNW and UHNW clients.
We arrange bespoke, high-value facilities (typically £1m+) through a structured process designed for expatriates, HNW and UHNW clients:
Initial consultation and eligibility check.
Tailored options from private banks and specialist lenders.
Application submission and underwriting.
Asset valuation and legal conveyancing.
Completion and drawdown of the facility.
Our team positions your application to highlight global income, assets, and structures, ensuring lenders focus on your wealth profile rather than retail credit scoring.
We specialise in arranging high-value, complex lending solutions for HNW and UHNW clients, expatriates, and international structures. Unlike retail brokers, our team comes from Private Banking backgrounds and understands how lenders assess sophisticated applications.
Through our global network of private banks and specialist lenders, we:
Source facilities typically start from £1m+.
Structure applications to highlight global wealth and income, not just local credit scores.
Navigate cross-border ownership, trusts, and corporate structures.
Our role goes beyond finding a loan; we position you with the right lender, ensuring a faster, more certain approval for complex transactions.
At GSB Private Finance, we are experts in sourcing, arranging and advising clients on all aspects of their financing needs. However, what sets us apart from our peers is the Private banking experience of our team.
Our team has all worked within Private Banks and Lenders, bringing the first-hand experience of the borrowing process and ever-changing landscape.
We understand lending, but more importantly, our team understands how banks and lenders (and their respective Credit Risk teams) assess and evaluate applications. Therefore, we specialise in not only sourcing the best and most appropriate deal in the market but also ensuring we are positioning and articulating these applications accordingly to give them the best chance of being approved quickly.