Private-Banking Perks: How Asset Transfers Cut Jumbo Rates by 0.25%

When it comes to financing luxury properties, affluent borrowers are discovering an effective strategy to save thousands—leveraging private banking relationships to unlock discounted jumbo mortgage rates. One of the most compelling benefits? A rate reduction of up to 0.25% just by transferring assets into a qualifying account.

What Is a Jumbo Loan?

A jumbo loan is a type of mortgage used to finance properties that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). In most parts of the U.S., this means loans above $766,550 (as of 2025), although limits vary by location.

These loans typically come with stricter underwriting criteria and higher interest rates. However, private banking clients may be able to bypass some of those costs.

How Asset Transfers Reduce Jumbo Rates

Private banks often reward clients who bring over substantial assets—typically $250,000 to $1 million or more—by offering lower mortgage rates. These rate discounts can go as high as 0.25% off the standard jumbo rate.

This incentive works as a form of cross-collateralization: in return for bringing your investment portfolio or cash deposits under the bank’s management, you’re offered better loan terms.

Example Scenario

A client looking to borrow $1.5 million on a high-end home could save up to $375 per month with a 0.25% rate reduction. Over a 30-year loan, that’s a potential savings of $135,000—just for parking assets in a qualifying account.

Ready to explore jumbo mortgage options with private banking perks? Speak to a Lending Specialist Toda

Benefits of Transferring Assets

• Lower Interest Rates: As noted, discounts can reach 0.25% or more.
  
• Streamlined Approval: Existing clients with asset relationships may benefit from faster underwriting.
  
• Financial Consolidation: Manage loans, investments, and deposits in one place.
  
• Access to Exclusive Services: Wealth management, estate planning, and concierge banking.
  

Requirements for Private Banking Discounts

Each institution has its own eligibility criteria, but common requirements include:

• Minimum Asset Transfer: Typically $250,000 to $1 million+
  
• Account Type: Brokerage, savings, or investment management accounts often qualify
  
• Loan Amount: Usually applies to jumbo loans only
  
• Borrower Profile: High-net-worth individuals with strong credit histories
  

Tip: Ask your bank if a relationship discount applies to your mortgage scenario. Many clients leave money on the table by not inquiring.

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• Jumbo Mortgage Basics
  
• Compare Today’s Jumbo Rates
  
• High-Net-Worth Borrowing Strategies
  

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Frequently Asked Questions

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