High Value Mortgages
Tailored solutions for large mortgage loans
Mortgages over £1 million often require specialist knowledge and access to lenders that understand complex income, assets, and high-net-worth requirements. With high-value lending, every detail counts, bespoke underwriting to flexible terms.
We’ll take the time to understand your complete financial picture and leverage our lender relationships to access preferential rates, high loan-to-value (LTV) products, and tailored lending terms.
Whether you’re purchasing a prime property, refinancing an existing asset, or seeking funding against a unique estate, we offer clarity, speed, and expert guidance.
We take time to understand your complex income structures
Funding for high-value homes, estates, and luxury properties
Access to private banks and specialist lenders
Bespoke lending solutions for loans over £1 million
Specialist lending FAQs: For £1M+ loans
Specialist lending often raises more questions than standard mortgages. Here are some FAQs to help.
What qualifies as a high-value mortgage?
Typically, any mortgage over £1 million is considered high-value, although criteria can vary by lender.
Who offers high-value mortgages?
In addition to mainstream lenders, high-value mortgages are often arranged through private banks, wealth divisions, or specialist lenders offering bespoke terms.
How is affordability assessed for large mortgages?
Lenders will evaluate total wealth, income, assets, and liabilities, often taking a holistic view beyond salary alone. Self-employed borrowers, company directors, and those with investment income may need to provide more detailed documentation.
Can I borrow with a low income but high net worth?
Yes. High-net-worth individuals may be eligible for ‘asset-rich’ lending, where borrowing is based on wealth and assets rather than traditional income multiples.
What deposit is required for a high-value mortgage?
Most lenders require at least 20–40% deposit for high-value properties, though high-net-worth clients may qualify for higher LTV loans with the right profile and supporting assets.
Can I get a high-value mortgage on an unusual property?
Yes. We work with lenders who specialise in non-standard and luxury properties including listed buildings, new builds, and bespoke developments.
What if I need a fast decision on a large loan?
High-value mortgages can often be fast-tracked with private lenders or specialist teams. Our brokers work closely with decision-makers to accelerate approvals when timing is critical.
What happens if I can’t make mortgage payments?
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
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Secure a bespoke mortgage for high-value property
Need a mortgage over £1 million? Our specialist brokers tailor solutions to suit complex income, premium properties, and private lending requirements. Get in touch with our team now.
