How large is a large mortgage?
Many of the high street lenders will offer maximum mortgages of between £2 – £5 million with differing loan to values (LTV).
In our experience, sophisticated borrowers can benefit from a more personalised service when the loan size exceeds £1m.
In theory there is no maximum loan and our high-net-worth broker team can comfortably source bespoke mortgages of £10m, £25m and above.
How do you find a large mortgage lender?
While some of the high street lenders do offer million pound mortgages they are hard to find and their lending criteria can be rigid and difficult to work with.
When borrowing more than £2 million you will need a specialist adviser as many of the lenders will only work with an intermediary broker. The lenders and private banks that offer large mortgages won’t accept applications direct. All introductions must be from a specialist broker.
We have access to professional advisers that understand complex income arrangements, including offshore, and always provide an efficient and discreet service.
Where loans exceed £5 million then a private bank can often be the best source of finance. These deals are created and arranged around the borrower’s needs, providing professional and efficient solutions.
HIGH NET WORTH
LENDING
bespoke lending
Private bank mortgages
A private bank mortgage is a loan that is issued by a private bank, rather than a high street lender.
Private banks are much smaller institutions, and as such, they are often able to offer a more bespoke service to their clients. This can be extremely beneficial for those who have specific requirements or who are looking for a more personal level of service.
Private banks will typically offer a higher level of customer service than high street lenders, meaning that you can expect a more efficient and responsive service. They will provide innovative lending solutions to solve problems and can move quickly when required.
The interest rates offered by private banks can also be extremely competitive. Because they are not bound by the same regulations as high street lenders, private banks are able to offer a wider range of products and rates tailored to their clients needs.
This can make them a great option for those who are looking for a more flexible mortgage deal.
Solutions are available for property purchases, buy to let, equity release and second homes.
Mortgage deposits
The minimum deposit for a large mortgage is 15% of the property value.
Our advisers can often find lenders that will consider loans secured against other assets, or multiple assets, and will negotiate a personalised lending solution that meets all of your requirements, no matter how much you need to borrow.
High net worth mortgages
High-net-worth (HNW) mortgages are specialised financial products designed to cater to the unique needs of individuals seeking to finance high value properties.
HNW mortgages involve larger loan amounts and often come with bespoke terms and conditions that reflect the borrower’s financial complexity.
Tailored lending solutions
Personalised lending solutions for high-net-worth and sophisticated clients. Our advisers can secure the best large mortgage loans on your UK and worldwide properties.
Large UK mortgages for foreign nationals, expats & non-residents
Funding that includes solutions for complex ownership structures such as offshore assets and trusts. HNW individuals can use their company retained profits to qualify for a larger mortgage. Facilities that accommodate some or all of the loan on an interest only basis. The more unusual property types can also be accommodated, such as castles, barn conversions and churches.
Your lending solution will be sourced from an extensive network of lenders and built around you and your needs, tailored to fit in with complex personal situations.
Large mortgages
Complex mortgages
High value mortgages
Private bank mortgages
Get started
When you are ready, we can introduce you to a large loan specialist for an initial conversation.
You will have the opportunity to learn more about this bespoke service and how the large mortgage loan team can assist you.
We work with one of the largest and most experienced independent mortgage brokers in the UK.
With over 45 years of experience in the mortgage industry they really understand the challenges that clients can face when looking for a mortgage.
They have the experience and expertise to help guide you through the complex process of buying a house, remortgaging, raising bridging finance or investing in the property market.
Fully FCA regulated, they have more expertise across more lending solutions than any other broker and have specialist teams in place to work with clients through every stage of their journey.
Mortgages for professionals
Securing a mortgage can be a challenging process, but if you are a professional with qualifications and a stable income, you could be eligible for mortgages designed specifically for certain occupations.
Typically, this includes solicitors, accountants, doctors, and others who are viewed as having stable, high-earning professions.
Your status as a professional may grant you access to exclusive rates or bespoke deals that general mortgage products don’t offer.
