Private Clients

Private Banking & Family Office Services in the UK

Empire Global Finance delivers advisory support that helps clients access private banking, family office and specialist lending services with clarity and confidence. 

Managing significant wealth requires careful structure, discretion and strategic planning. While private banks and family offices provide this, clients often need an experienced advisor who can prepare their financial position properly and introduce them to the right institutions. Our role is to coordinate this process, shape the information lenders and private banks expect, and ensure clients receive solutions suited to their wider wealth strategy. 

Understanding the Role of a Private Office

A family office operates as the central management hub for substantial wealth. It oversees governance, structuring, reporting and long-term planning. Many UHNW families require help navigating these environments, especially when wealth is spread across jurisdictions, asset classes or generations. 

We support clients by working alongside their family office, ensuring all advisers, banks and lenders remain aligned. Our work focuses on clarity, preparation and coordination, so financial decisions are made with full visibility. 

Family Office Finance Strategies

High-value planning involves more than cash flow. It requires coordinated borrowing, liquidity planning and credit structuring. We assist clients and their advisers with: 

  • Cross-border asset and liquidity planning. 
  • Introducing the right private banks and specialist lenders.
  • Structuring borrowing around long-term objectives. 
  • Ensuring lending supports succession and investment strategies. 
  • Managing risk and credit exposure across multiple entities. 

Our role is to ensure each financial decision fits coherently within the wider plan.

Specialist Lending & UHNW Finance

UHNW clients often require lending routes that fall outside standard banking. We work with private banks, wealth lenders and specialist institutions to help clients secure: 

  • Large property facilities. 
  • Leverage for investment or business activity. 
  • Liquidity without disturbing portfolios. 
  • Credit solutions for complex asset bases. 
  • Cross-border funding structures.

We prepare the case, shape the financial narrative and position it with lenders who understand the scale and complexity of UHNW wealth. 

Ultra-High-Net-Worth Loans in the UK

The UK lending landscape varies widely at this level. We compare lenders’ approaches, introduce suitable institutions and prepare submissions that reflect the full strength of the client’s balance sheet. Whether securing leverage against real estate, refinancing portfolios or building tax-efficient structures, we guide clients toward solutions that support their wider financial objectives. 

Bespoke Mortgage Solutions for HNWIs

HNW mortgages often require flexibility that standard lenders cannot provide. We work with private banks and specialist lenders who consider: 

  • Wealth held across investments and international assets. 
  • Irregular or investment-linked income. 
  • High-value properties. 
  • Interest-only or flexible structures. 
  • Loans secured against diverse assets. 

Our job is to present the financial picture clearly so the right lender engages without hesitation. 

Private Bank Mortgages

Private banks approach lending with human judgment. They evaluate the entire financial footprint rather than relying on automated affordability tests. We help clients: 

  • Identify the right private bank. 
  • Prepare financials and documentation for credit teams. 
  • Highlight the strengths of the structure and long-term potential. 
  • Negotiate bespoke terms. 
  • Ensure the facility works alongside broader wealth planning.

We bridge the gap between client goals and private bank decision-making. 

The Role of Private Banking Mortgage Advisors

Complex wealth often needs specialist interpretation. As advisors, we: 

  • Present assets, liquidity and structures in lender-ready form. 
  • Introduce lenders suited to the client’s circumstances. 
  • Explain requirements clearly and manage expectations. 
  • Reduce underwriting friction. 
  • Negotiate structures that reflect the client’s aims. 

This advisory support ensures private banks can assess the case quickly and accurately. 

Private Wealth Lending in the UK

We support clients who need lending that complements long-term financial planning. This includes: 

  • Asset-linked borrowing 
  • Liquidity lines secured against portfolios 
  • Multi-bank negotiation 
  • Tax-sensitive structures 
  • Coordinated funding for property and investment activity 

Our involvement ensures lending does not disrupt broader strategy. 

Flexible Luxury Asset Finance

We help clients access lenders who finance high-value assets without requiring a sale. This includes: 

  • Yachts 
  • Aircraft 
  • Fine art 
  • Classic cars 
  • Collectables 

We coordinate valuations, lender introductions and structure proposals clearly so funding moves efficiently. 

Global Luxury Asset Management

We support clients who need oversight of valuable assets by helping coordinate: 

  • Acquisition advice 
  • Valuation and insurance 
  • Reporting and oversight 
  • Cross-border asset management 
  • Disposal strategies 

Our role is to ensure specialists, advisers and lenders remain aligned. 

Lombard Lending in the UK

We help clients access lenders who offer portfolio-backed borrowing. This enables liquidity while keeping investments intact. Our role is to identify the right lender, prepare documentation and position the case for fast approval.

Securities Backed Lending

We assist clients who wish to borrow against investment portfolios. Advantages include: 

  • Liquidity without selling assets 
  • Competitive rates 
  • Flexible use of funds 
  • Continued market participation 

We prepare the case, manage lender expectations and coordinate each step. 

Why Clients Choose Empire Global Finance

We are advisors, not a bank, and our independence is one of our major strengths. Clients work with us because we provide: 

  • Access to a global network of private banks and specialist lenders. 
  • Complete confidentiality. 
  • Clear, strategic financial preparation.
  • Expertise with complex structures and cross-border wealth. 
  • Negotiation that prioritises the client, not the lender. 
  • Support that integrates seamlessly with existing advisers, family offices and accountants. 

We manage the complexity so clients can make informed, confident decisions. 

Speak With Our Team

If you require lending, structuring or private banking support, we will help you secure the right solution with clarity and discretion. Contact the team at Empire Global Finance to begin a confidential discussion.

Get in Touch