Arbuthnot Latham
At a Glance
An independent UK private bank offering an entrepreneurial, relationship-led approach to wealth management and bespoke cross-border debt structuring.
Typical Lending Profile
Highly regarded for structuring high-value residential and buy-to-let debt where foreign income streams, corporate entities, or trusts are involved. They evaluate a client’s holistic global financial footprint rather than relying on rigid, tick-box domestic income ratios.
Where they may be a good fit
International Investors & Expats: Non-resident individuals and expatriates requiring sophisticated cross-border underwriting for premium UK property acquisitions.
UK Non-Doms & Offshore Entities: Clients requiring debt solutions that smoothly interface with complex offshore holding companies, trusts, or structures like Isle of Man entities.
US-Connected Persons: Individuals subject to complex transatlantic rules who require tailored investment-backed or property lending within the UK.
Approach to Private Banking
Lending is anchored within an international relationship-service model. While they value holistic wealth management connections, they maintain a highly practical, commercially minded view on standalone credit opportunities for global citizens.
Pavilion's View
Arbuthnot bridge the gap between traditional British private banking and agile commercial lending. They are superb at working with specialist high-value mortgage brokers, with direct access to experienced decision-makers and a genuinely collaborative approach to structuring complex cases.
They are particularly creative in the way they build intermediary relationships, from broker breakfasts and intimate dinners prepared by their award-winning in-house chefs to insightful educational events for younger entrepreneurs within the industry. Importantly, these events create opportunities for high-value brokers to build relationships directly with the bank’s credit decision-makers, encouraging the open dialogue that can be invaluable when structuring and negotiating more complex transactions.
Their dedicated teams for international clients and offshore structures also make them a strong choice where a cross-border transaction requires speed, flexibility and clear lines of communication.
