Samantha Dunne, Banking Director with Hampden Bank explains how the Bank can create bespoke mortgage solutions for people with unconventional careers.

For most first-time buyers, purchasing a luxury multi-million-pound property with a high loan-to-value rate would be impossible on many levels. But private banking is never about applying a ‘one-size-fits-all’ approach to complex financial situations.

At Hampden Bank, two questions consistently shape our thinking. What do high-net-worth clients truly want from their bank? And how are these expectations changing in a world of rapid transformation?

For the important decisions, people still want real advice from banking experts that they know and trust. We don’t underestimate the importance of having physical offices to meet face-to-face, or for our bankers to meet clients at a location convenient to them.

Before exploring the answers, it’s worth considering what we mean by ‘high-net-worth' and if the term is still relevant today.

Our high-net-worth clients typically come from a range of backgrounds. They may be business owners, entrepreneurs, professionals, landowners, or perhaps those who are inheriting wealth. But there are also some new high-net-worths on the block. They are often tech developers, influencers, sports professionals, professional gamers. This new breed are individuals who are developing wealth in ways that did not exist before.