Financing Tips for Buying a Beverly Hills Luxury Home

By Coldwell Banker® Beverly Hills

When you're navigating the Beverly Hills luxury real estate market, where $10M+ is often the starting point, financing isn't about qualifying. It's about structuring. Our exclusive clientele often arrives with wealth in hand, but choosing the right financing strategy can optimize liquidity, preserve portfolio strength, and enhance long-term returns. If you're purchasing an ultra-luxury estate in Beverly Hills, here’s how to approach financing like a private wealth advisor, not a retail borrower.

• Ultra-high-net-worth buyers often use financing to optimize wealth, not out of necessity.
• Private banking offers tailored loan structures, portfolio-backed lending, and greater discretion.
• Strategic leverage can preserve capital for investments while securing luxury real estate.
• Choosing the right lender is as important as choosing the right property.

Why UHNW Buyers Choose to Finance Luxury Real Estate

• Even buyers with liquid assets often leverage financing to keep capital working elsewhere: in equities, real estate, or alternative investments.
• With estate homes on Alpine Drive, Beverly Park, or Trousdale commanding prices well above $10M, strategic borrowing can improve long-term asset growth.
• Leveraged purchasing also creates opportunities for tax efficiency, asset protection, and estate planning.

• Unlike conventional mortgages, private banking offers customized lending solutions based on overall asset strength.
• These services are built for clients with multi-asset portfolios, cross-border income streams, or significant holdings in trusts and partnerships.
• Top-tier lenders offer discreet, relationship-based services ideal for clients accustomed to confidentiality and concierge-level service.

• Securities-based lending allows buyers to borrow against investment portfolios without liquidation.
• Hybrid jumbo loans can blend fixed and floating rates across tranches for tailored repayment structures.
• Cross-collateralization lets buyers use equity from other properties to finance new acquisitions; it’s a powerful tool for those expanding real estate holdings across Beverly Hills, Bel-Air, and Holmby Hills.

• For buyers acquiring trophy estates or legacy homes, financial advisors and tax strategists should be involved from the initial offer stage.
• Structuring the purchase through trusts, LLCs, or international entities requires proactive legal and tax planning, not last-minute decision-making.
• We work with many agents whose clients require coordination with family offices and legal teams to ensure everything from title vesting to international reporting is executed properly.

• In competitive Beverly Hills transactions, speed matters, but discretion does too.
• Private banking relationships often enable expedited underwriting, flexible draw schedules, and tailored documentation, giving buyers a quiet edge without compromising privacy.
• For celebrity clients or international investors, this behind-the-scenes agility is often what secures the deal.

• Leverage can be a smart way to preserve liquidity in volatile markets.
• Many ultra-wealthy clients use financing not out of need, but to maintain optionality, especially when other investment opportunities arise.
• Luxury estates in Beverly Hills can also be used as leverage assets themselves, allowing for repositioning across a broader real estate portfolio.

• Custom jumbo products are available with loan amounts well above conforming limits, designed for elite borrowers.
• Interest-only options may suit clients expecting liquidity events or planning future asset shifts.
• Portfolio underwriting takes the entire financial ecosystem into account, allowing flexibility not available through standard lenders.

Yes! Many high-net-worth buyers choose to finance to keep capital working elsewhere. Strategic leverage often enhances portfolio flexibility and can provide tax advantages.

There is no single “best.” Private banking institutions are preferred because they offer bespoke solutions, fast approvals, and discretion. Your lender should align with your financial goals and structure.

Not with the right team in place. Private banks often offer expedited approvals and quiet pre-underwriting that can make financed buyers just as competitive as cash offers, without sacrificing strategic benefits..

At this level, wealth isn’t the question, but strategy is. Our clients come to the table with complex financial portfolios, and they expect more than transactional support. They expect discretion, perspective, and a partner who understands the long game.

At Coldwell Banker® Beverly Hills, we help clients evaluate how each property acquisition fits into broader goals—whether that means working with private banks, structuring credit solutions around existing assets, or preserving liquidity to stay investment-ready.

In a market that moves quickly and quietly, our role is to make sure every decision is informed, intentional, and aligned with what you're building next.