Domus
Private Finance
Bespoke lending and protection for high-net-worth individuals and complex financial situations
Some clients require more than a standard mortgage application. Multiple income streams, international assets, large loan sizes, or complex ownership structures all call for a different kind of advice — and access to lenders who understand that complexity.
A Different Kind of Client. A Different Kind of Advice.
High-net-worth clients are rarely short of options — but they are often poorly served by advisers who don't fully understand their financial picture. Complex income, overseas assets, large loan sizes, and multi-property portfolios all require lenders who can underwrite outside standard criteria.
We have established relationships with private banks, specialist lenders, and Lloyd's market insurers who operate at this level. We bring the advice; they bring the capacity.
We work under full discretion. Introductions come through private banks, wealth managers, accountants, and family offices — we're experienced in operating within existing professional relationships without disrupting them.
Who We Work With
Company directors, business owners, professionals with complex income structures, multi-property investors, and clients introduced through private banks or wealth managers.
How We Work
We handle the full advice and application process, working alongside your existing advisers. Introductions can be made directly or via a trusted third party — we're flexible.
FCA Regulated
All advice is given under our FCA authorisation. Risk warnings and regulatory disclosures are provided clearly — never designed out for aesthetic reasons.
What We Can Help With
Each engagement is shaped around the client's specific situation — there is no standard product list.
Bespoke Large Loans
Complex and high-value lending that falls outside standard residential criteria — unusual income structures, non-standard properties, or loan sizes that require a private lender relationship.
Complex Income & International Assets
Lending for clients with income from multiple sources, foreign assets, or complex ownership structures. We work with private banks and specialist lenders who understand the full picture.
Wealth & Estate Protection
For clients with significant estates, we work alongside wealth managers and solicitors to ensure that life and critical illness cover is correctly structured — including IHT-efficient arrangements.
Specialist High-Value Insurance
High-value buildings, contents, and collections require specialist underwriting. We work with Lloyd's market insurers who can cover what standard providers cannot.
Common Questions
What loan sizes can Domus arrange through private bank relationships?
We regularly arrange lending above £1m and have placed transactions well in excess of £5m. The key is not loan size alone — it is the combination of loan size, income complexity, and property type that often falls outside standard high-street criteria.
Can you help if I've been declined by a high-street lender?
Yes — high-street declines are frequently the result of automated underwriting that cannot accommodate complexity. Private banks and specialist lenders use human underwriters who can assess the full picture. A decline elsewhere is not a barrier.
How is income assessed for clients with complex or overseas income?
Private lenders assess income on a case-by-case basis — looking at dividends, retained profits, foreign income, trust distributions, and asset wealth. We present your case in the format each lender prefers, which significantly affects the outcome.
Do you work with wealth managers and family offices?
Yes. We regularly receive introductions from wealth managers, private banks, accountants, and family offices. We work within existing professional relationships without disrupting them, and we update the introducing party throughout the process.
Regulatory note: Domus Finance is authorised and regulated by the Financial Conduct Authority. All advice is given on a regulated basis where applicable. Not all products and services are regulated by the FCA — we will always be clear about the regulatory status of any advice or arrangement before proceeding.
Speak to Us in Confidence
If you have a complex requirement or would like to explore whether we can help, we're happy to have an initial conversation — entirely without obligation.
Discretion assured • FCA regulated • No obligation