Scott joined property finance specialists Together in 2017 and is the Private Client Director. With over 20 years’ experience in financial services, he has built an enviable network across the industry having worked with HNW clients, Hedge Funds, Insurance and Financial Advisory businesses. 

My current mortgage deal on my home is coming to an end soon. What do I need to know about remortgaging this year? 

Many homeowners, including high net worth borrowers, are coming to the end of low fixed rate deals secured five to seven years ago. The challenge is that today’s market looks very different, with higher rates, more cautious valuations, and tighter lending criteria. In some cases, even your existing lender may not offer the same flexibility, particularly if your circumstances have changed. Planning early is key. At Together, we specialise in supporting borrowers with complex incomes or unique properties, helping to make the remortgaging process as simple and stress-free as possible.

I’ve been reading about the Mansion Tax. Is it the right time to sell my £2m+ house? 

With the Mansion Tax due to come into force in April 2028, it’s natural for high value homeowners to reassess their plans. However, selling is not always the only or best response. A forced decision made too early can limit flexibility and potentially crystallise tax or capital losses unnecessarily. For many homeowners, the priority is understanding how the new tax affects cash flow and overall wealth planning, rather than exiting the property altogether. Options such as remortgaging or releasing capital can help managefuture liabilities while retaining long term control.

I’m paid largely through dividends rather than a salary. How does that impact my mortgage options?

If most of your income comes from dividends, you may find that mainstream lenders take a more cautious view. Many focus on salary alone, or apply strict rules around dividend sustainability, which can limit borrowing or slow the process. For high net worth borrowers, the key is working with a lender that understands complex income and company structures. At Together, we take a holistic view of income and assets, helping clients secure funding that reflects their true financial position, including dividends, directors’ loans, and investment income, rather than a narrow snapshot based solely on salary.