Borrowing
We pride ourselves in understanding all types of customers and their forms of income regardless of whether you are a high-net-worth individual or retail customer.
Borrowing
We pride ourselves in understanding all types of customers and their forms of income regardless of whether you are a high-net-worth individual or retail customer.
Our range of innovative mortgages is tailored towards the needs of our customers: entrepreneurs, property professionals, contractors and professionals—be they first-time buyers looking for a residential loan to existing homeowners looking to remortgage.
Structured Wealth Mortgages
Designed for high-net-worth individuals* with complex financial circumstances.
We understand that wealth and complex income can be structured in many ways, and that traditional affordability assessments do not always capture the full picture. That’s why our specialist underwriting team assesses each application individually and may consider your broader financial position alongside standard income measures.
Applications are supported by a dedicated Relationship Manager who will work closely with you throughout the mortgage process.
Structured Wealth Mortgage features :
Dedicated Relationship Manager
Ongoing support and periodic reviews
Tailored assessment of complex wealth and income profiles
Consideration of eligible foreign currency income, subject to lending criteria
Consideration of eligible assets as part of the affordability assessment
Mortgage loan amounts from £750,000 to £10,000,000, subject to eligibility, affordability and lending criteria
*Individuals with annual net income of no less than £300,000 or net assets of no less than £3,000,000, or whose obligations are guaranteed by a person with income or assets of such amount.
Mass Affluent Mortgages
Designed for eligible UK residents with an annual gross income over £100,000 and/or net assets of at least £50,000, excluding their main residence.
We recognise that assets, income and cash flow can be structured in different ways. Our specialist underwriting team assesses each application individually and may consider your broader financial position alongside standard income measures.
Applications are supported by a dedicated Relationship Manager who will work closely with you throughout the mortgage process.
Mass Affluent Mortgage features:
Dedicated Relationship Manager
Ongoing support and periodic reviews
Tailored transaction structuring and underwriting
Consideration of eligible foreign currency income, subject to lending criteria
Consideration of eligible assets as part of the affordability assessment
Mortgage loan amounts from £500,000 to £10,000,000, subject to eligibility, affordability and lending criteria
Consumer Mortgages
Whether you’re buying your first home, moving home or remortgaging, Cynergy Bank’s Consumer Mortgages are designed to support a range of borrowing needs.
Every application is individually assessed so we can understand your circumstances and assess whether one of our mortgage options may be suitable for your needs.
Consumer Mortgage features:
Capital repayment, interest-only and part repayment and part interest-only options
Joint Borrower Sole Proprietor mortgages available
Individual mortgage underwriting
Mortgage loan amounts from £250,000 to £2,000,000, subject to eligibility, affordability and lending criteria
Cynergy Bank’s lending criteria. The availability of mortgage products, features and loan amounts will depend on your individual circumstances. Terms and conditions apply.
Cynergy Bank only offers its own mortgage products and is not a whole-of-market provider.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Ways you can contact us
Email us
using our online form.
