How a let-to-buy mortgage can be helpful

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    “We know that time is precious for you, we can work around your availability while searching for the most competitive mortgage products and overseeing your mortgage application from start to finish”.

    Jonathan Smith – (CeMAP, BA Hons, Aff SWW, CeRER)

    As a celebrity, applying for a mortgage when buying a property makes financial sense. You may not have adequate funds immediately to hand to buy a property outright. Or you may prefer not to tie up all of your money in one investment. Securing a mortgage as a celebrity, however, can be harder than you think. Mainstream lenders aren’t always willing to offer a mortgage when you have a non-standard income or irregular work contracts. That’s why you need a specialist celebrity mortgage.

    At Trinity Finance, we work closely with private banks and specialist lenders offering this niche mortgage. They have a more flexible approach when it comes to lending to celebrities. Your complex income and work contracts are taken into account as well as your assets and other unique circumstances relating to your celebrity career. Here, we’ll explain the issues faced when approaching mainstream lenders for a mortgage when you have a celebrity status. We’ll highlight how private banks and specialist lenders differ from this, allowing you to secure a mortgage and buy your dream home.

    Why would you consider a mortgage when you’re a celebrity?

    People often assume that celebrities pay for their homes outright. They’re surprised to hear that there’s such a thing as a ‘celebrity mortgage’. Yet as a celebrity yourself, there are some compelling reasons for wanting to arrange a mortgage.

    As you’re a high-profile individual benefiting from a lucrative career, you’ll no doubt want to invest some of your earnings. One way is to purchase a luxury home so that you can enjoy a comfortable lifestyle. However, just because you have a high income, this doesn’t necessarily mean that you’ve got enough cash to buy one outright. Even if you did, that may not make the most financial sense. Instead of tying up all of your money in a property purchase, you can arrange a celebrity mortgage. This allows you to retain financial liquidity. Your money can then be invested elsewhere and you’ll benefit from the returns on those investments.

    You also have to bear in mind the volatile nature of your celebrity career. You don’t, unfortunately, have any guarantee of securing continuous work. This means you may have long gaps in between contracts. By using your money to make other investments, you’re ensuring that your funds continue to grow. This gives you a financial backup should you need one in the future. In the meantime, you can buy the home of your dreams with a celebrity mortgage. The cost of this will be spread over many years, giving you the opportunity to budget for your mortgage payments in advance.

    Your ability to secure a mortgage as a celebrity

    Having a celebrity status and being a high net worth individual means that many doors open for you. One unexpected challenge you’re presented with, however, is that it’s difficult for you to apply for a standard mortgage. Lenders usually consider your income to be a non-standard one. For example, when working abroad, you may be paid in a foreign currency. Your income may also be comprised of different types of payments, such as signing fees, royalties and bonuses. The rate at which you get paid can also be unpredictable. This is because of the intervals between your various work projects.

    Other factors can also affect the possibility of being accepted for a mortgage when you’re a celebrity. This is regardless of whether you’re a singer/songwriter, a professional sportsperson, an actor, an entertainer or a social media influencer. These factors include how much you’re paid and how the payments are made to you, the details of your current contract as well as your expected employment when the contract ends and for the long term.

    The mortgage benefits available to you as a celebrity

    To provide you with the funding you need to buy your dream home, private banks and specialist lenders offer celebrity mortgages. This niche type of mortgage specifically caters to the unique nature of your career and income structure as a high net worth individual. Specialist lenders and private banks have a more holistic approach when it comes to your career, income and assets. They offer more flexibility than mainstream lenders with their lending terms and criteria. You can also rely on discretion and confidentiality as well as an underwriting service that caters to your circumstances and requirements as a celebrity.

    Speak with an expert about securing a celebrity mortgage

    Our expert mortgage brokers – located throughout Kent, London and Edinburgh – are skilled in arranging celebrity mortgages. You’ll benefit from a bespoke mortgage service that is not only highly efficient but is also designed to fit around your schedule. Your celebrity mortgage application will be tailor-made to allow for your contracts and complex income structure. It will then be presented to the private bank or specialist lender most suited to handling your unique income streams and meeting your high-value mortgage requirements.

    At Trinity Finance, we work closely with niche lenders and private banks offering large mortgage loans. Your dedicated mortgage broker will negotiate the best celebrity mortgage rate and the most flexible terms on your behalf. To arrange a consultation, just give us a call on 01322 907 000 and take the first step towards owning your luxury home. If you prefer, send us an email at or an enquiry via our contact form. One of our mortgage consultants will reply to you as quickly as possible with more information about celebrity mortgages in London, Kent or Edinburgh.

    Using a specialist lender

    If you earn over £300,000 per year or have assets that are worth over £3 million, you’re considered to be a high net worth individual. As we’ve already mentioned, your career and earnings as a celebrity are unpredictable in the same way that they are for many high net worth individuals. Mainstream lenders struggle to assess you on this basis as they have rigid criteria to adhere to.

    Private banks and specialist lenders, however, are specifically geared to handling complex situations. They have a flexible approach to assessing your earnings and determining the amount you can borrow. They provide discretion and understand that you may wish to use a pseudonym to keep details of your purchase private. Niche lenders also understand the nature of your work contracts and earnings and provide a bespoke service that optimises these for lending purposes.

    If you have assets over a certain amount, for example, you may be able to secure an asset-based mortgage. This would remove any affordability issues that may arise from your changeable income streams. With an asset-based mortgage, you can usually benefit from a lower interest rate as your assets are considered to be security by the lender.

    Applying for a celebrity mortgage

    Your ability to secure a celebrity mortgage can depend on various factors. These include the amount you’re paid, how your earnings are paid to you, the type of industry you’re working in, the details of your current contract and your employment prospects for the future.

    For example, if you’re a social media influencer, you may have very high earnings. A specialist lender will weigh up the potential income you stand to make compared with the short-term risk of this type of career. Another example is if you’re an actor in a popular television series. You will have a set contract until the filming of the series has ended. This could be for 6 months or a year, for instance. But without a new contract lined up when that one ends, the lender has to ascertain how you can maintain your mortgage repayments for the rest of the mortgage term. There are various ways you can improve your chances of having a successful mortgage application, which we’ve detailed below.

    Get expert assistance from our mortgage brokers

    Our mortgage brokers are highly experienced in arranging mortgages for celebrities as well as other high net worth individuals. They will advise you on the paperwork needed to strengthen your application depending on the type of celebrity you are. They will tailor-make your application according to the unique nature of your work projects and income. This will then be presented to the private bank or specialist lender most equipped to finding a bespoke solution to your financial situation.

    Strengthen your application

    Collect as much evidence as you can to support your application. This will depend on what you do for a living and we’ve provided some examples below.

    • Provide details of the social media platforms you’re on and the following you have on each. Confirm details of the income you receive from your social media posts as well as sponsorships. For existing contracts, detail the terms and who you’ve signed them with. Confirm how long you expect to continue this for and back it up with a business plan.
    • Provide details of your current contract as well as those for the previous 2 or 3 years. Confirm your experience within the industry leading up to your current contract. Give information about any pre-agreed contracts or projects that will be taking place in the future. Obtain a letter from your agent that backs up your contract details from both the past and the future. Provide SA302 tax statements for the last 2 or 3 years.
    • The level at which you are at as a sportsperson is a big factor in your ability to secure a mortgage. The lender will take your age and earnings into account as well as the length of your current contract. Provide details of your future plans when you decide to no longer compete as a sportsperson. For example, you may remain working in the industry but in a different capacity. Also, give the lender details of any assets or investments that you have.

    Entertainer. Give the lender details of how long you’ve worked in the industry and future work that’s been agreed upon. Provide your certified accounts for the previous 2 or 3 years. If you’ve set up more than one company to allow for different types of earnings, make sure the lender is aware of this.

    Purchase your dream home using a celebrity mortgage

    To get started with your celebrity mortgage application, just give us a call on 01322 907 000. Our qualified mortgage brokers – located throughout Kent, London and Edinburgh – will ensure that you have the correct paperwork available to optimise your chances of a successful application. Providing a personalised service, your application will be tailor-made and the right lender for your circumstances will be sourced. Your dedicated mortgage broker will oversee the mortgage process from start to finish, keeping you updated as it progresses. Our brokers can work around your schedule and are contactable via different mediums to make things easier for you.

    At Trinity Finance, we know which lenders are well-equipped for dealing with celebrity mortgages and our brokers will approach them accordingly. Some private banks and specialist lenders only deal with borrowers who have been introduced by mortgage brokers. This means that, by using our services, you’ll benefit from access to more opportunities than you would find if you tried to source a mortgage yourself. You can rest assured of our discretion at all times and we can also help you with other aspects of the home-buying process. These include arranging your home insurance as well as mortgage payment protection insurance. For more information, send an email to us at or an enquiry via our contact form. One of our specialist mortgage brokers will reply to you as quickly as possible with further details.


    It’s harder to secure a celebrity mortgage without a deposit but it is possible. Our mortgage brokers will approach lenders who offer 100% mortgages but you should be aware that your options will be limited. To strengthen your application, it’s helpful if you have some assets that you can provide as security for the lender.

    Yes. Your credit history may have been affected by your unpredictable finances but you can still apply for a mortgage. Just bear in mind that you may not benefit from such a good interest rate. Specialist lenders offer flexibility with bad credit mortgages, particularly if you have assets that you can provide as security.

    Yes. You can apply whether you’re a first-time landlord or already have an investment portfolio that you wish to add to. The rental income you can achieve will be the crucial factor for being accepted for a buy-to-let mortgage.