Large Mortgages for High-Net-Worth Individuals
Why High-Net-Worth Borrowers Choose Million Plus
Securing a high-value mortgage is rarely straightforward. Million Plus specialises in navigating these complexities, presenting your full financial profile in a way that maximises borrowing potential and access to competitive lending.
We structure high-value mortgages around complex income, multiple properties, and international assets, working discreetly with UK private banks, international lenders, and specialist finance houses. Our team carefully compiles business accounts, dividends, retained earnings, offshore funds, and investment portfolios, giving lenders a complete picture of your wealth.
Every application is handled with discretion, precision, and efficiency, ensuring flexible, long-term solutions tailored to your financial goals and lifestyle.
Mortgage Services
Our mortgage services span everything from premium property finance to unique borrower needs, giving clients access to a complete range of solutions in one place.
Mortgage Calculator
Our mortgage calculator lets you estimate interest rates, repayments and borrowing costs. Built for high-value mortgages, it provides a clear view of premium property finance.
This calculator is designed for large mortgages over £1 million and complex financial profiles.
Coming Soon
Get Expert Guidance Today
Share your details and our team will get back to you promptly by phone or email. Our advisers will provide personalised guidance and outline your mortgage options, helping you navigate complex lending scenarios efficiently.
How We Secure Large Mortgages for Complex Wealth Profiles
1. Comprehensive Financial Assesment
We review your income streams, business profits, investment portfolios, offshore holdings, and long-term wealth objectives to understand your full financial profile.
2. Strategic Lender Matching
We identify private banks and specialist lenders best suited to your circumstances, ensuring access to competitive rates and bespoke lending solutions.
3. Application Preparation
Our team compiles a detailed, lender-ready submission including financial statements, property valuations, and complex income documentation to maximise approval potential.
4. Negotiation and Structuring
We negotiate loan terms, interest rates, LTV, and flexible repayment structures, including interest-only or hybrid options, tailored to preserve liquidity and optimize cashflow.
5. Completion and Ongoing Support
Million Plus coordinates valuation and execution processes for a seamless mortgage close, and continues to provide advice on refinancing, portfolio management, and private bank relationships.
case studies
Mortgage Closings
Comprehensive Support for High-Value Borrowing
Million Plus Private Finance structures large mortgages for high-net-worth individuals through private banks and specialist lenders, using bespoke, wealth-based lending strategies.
Securing a large mortgage requires extensive market knowledge, exceptional negotiation capability, and the ability to design lending structures that reflect complex wealth profiles. Million Plus Private Finance specialises in arranging high-value mortgages that are tailored around your total financial position, including property portfolios, business ownership, offshore structures, investment income, and multi-jurisdiction asset bases.
Our direct access to more than three hundred private banks, specialist lenders, and international financing institutions allows us to secure competitive terms that are not typically available through mainstream channels. We work proactively with lenders who understand complex income, entrepreneurial earnings, and diverse wealth strategies. This ensures that every application is built around your full financial footprint rather than narrow affordability criteria.
Expat and international clients benefit from our expertise in cross-border lending. We are experienced in structuring loans around foreign currency income, international tax requirements, multi-jurisdiction residency, and offshore investment vehicles. Our team ensures a coherent narrative is presented to the lender, strengthening the application and positioning you for approval on favourable terms.
Flexible repayment is central to high-net-worth lending. Interest-only and hybrid structures are used to preserve liquidity and maintain investment capital. We support strategic refinancing, equity release, and multi-property restructuring to ensure that mortgage arrangements complement your broader wealth and tax planning objectives. Our approach enables clients to optimise cashflow while maintaining the ability to invest when opportunities arise.
From first consultation to completion, Million Plus Private Finance manages the entire process with precision. We assess financial documents early and work with your legal, tax, and advisory teams to produce lender-ready submissions that reduce delays and improve outcomes. Every stage is coordinated with discretion and transparency, ensuring that you receive clear communication and a seamless experience.
Market conditions can shift quickly. We monitor interest rates, lender appetite, regulatory developments, and global economic events to advise you on timing, structure, and product selection. Our insight helps clients take advantage of favourable lending conditions and avoid unnecessary cost.
High-value borrowing requires more than simple product access. It demands experienced structuring, strong lender relationships, and a strategic approach that integrates long-term wealth planning. High-net-worth individuals, international clients, business owners, and investors choose Million Plus Private Finance because we combine technical expertise with personalised service. The result is a bespoke finance solution that protects your interests and supports your objectives, whether you are purchasing, refinancing, developing, or consolidating property assets.
frequently asked questions
Mortgage Questions Answered
How much can I borrow with a large mortgage?
The amount you can borrow with a large mortgage depends on your overall financial profile rather than a simple income multiple. Private banks assess income from multiple sources, including salary, bonuses, dividends, business profits, investment income, and offshore or trust assets. They also consider your net worth, existing property portfolio, and long-term wealth strategy. Million Plus Private Finance structures applications to present this full picture clearly, often enabling significantly higher borrowing than standard lending models.
What income or assets do I need to qualify for a £2m+ mortgage?
Qualification for a million pound or large mortgage is based on your overall financial profile rather than just salary. Lenders and private banks consider income from multiple sources, including bonuses, dividends, business profits, investment returns, and trust or offshore holdings. They also assess your existing property portfolio and net worth. Million Plus Private Finance structures your application to highlight these assets effectively, showing lenders the full picture of your wealth.
What deposit is required for large mortgages over £2 million?
Loan-to-value ratios for large mortgages typically range between 60% and 75%, though in prime locations or with strong wealth backing, higher LTVs may be available. The deposit required depends on property type, lender appetite, and your wider financial position. For example, a £2 million property may require a £400,000 deposit at 80% LTV, but portfolio backed or asset supported lending can reduce this. Million Plus Private Finance structures applications to optimise deposit requirements while preserving liquidity.
Do private banks offer better rates for high value mortgages?
Loan-to-value (LTV) ratios for million pound mortgages typically range between 60% and 75%, but in prime London or high value properties, we can negotiate up to 85% in some cases. The deposit required depends on factors such as property type, lender criteria, and your overall financial profile. For example, a £2 million property in Chelsea might require a deposit of £400,000 at 80% LTV, but with portfolio backed lending or multiple assets, this could be reduced. Million Plus structures applications to optimise deposit requirements while still accessing competitive interest rates and maintaining flexibility for cashflow or investment planning.
Are interest only or hybrid mortgages available?
Yes, interest-only and hybrid repayment options are widely used for high-net-worth clients. Interest-only mortgages provide lower monthly payments while preserving capital for other investments or liquidity needs, whereas hybrid structures combine interest-only with capital repayment for a balanced approach. Million Plus helps clients structure these mortgages around their broader financial strategy, ensuring that cashflow, tax planning, and long-term wealth goals are all considered. We work with private banks to implement these flexible structures seamlessly.
Can expats secure million pound mortgages?
Yes, expats can secure million pound mortgages, but cross border lending requires specialist expertise. Million Plus handles multi currency income, overseas assets, and international tax filings to present your application effectively to private banks. We negotiate with lenders experienced in foreign income and offer bespoke repayment structures to accommodate currency risk and liquidity considerations. Whether you live in Dubai, Singapore, or the US, we ensure your application aligns with lender expectations and maximises borrowing potential while maintaining discretion and speed.
Current million pound mortgage rates?
Rates vary depending on the lender, the property type, and your overall financial profile. Private banks often offer more competitive and tailored rates than retail lenders, especially when clients have assets under management or multiple properties. Million Plus continuously monitors market conditions, including SONIA swap rates and Bank of England base rate changes, to identify opportunities for the best terms. Our advisers negotiate directly with lenders to secure rates that reflect both the market and your bespoke financial circumstances.
How long does approval take for a large mortgage?
Approval times vary depending on complexity, lender, and documentation, but large mortgages typically take between four and eight weeks from submission to offer. Complex cases involving international income or multiple assets may take longer. Million Plus Private Finance accelerates approvals by preparing lender ready submissions, coordinating valuations early, and engaging decision makers directly at private banks and specialist lenders.
Can I secure a large mortgage with complex income and multiple properties?
Million Plus Private Finance specialises in structuring applications that reflect complex income streams and multi property portfolios. This includes bonuses, dividends, carried interest, retained profits, and investment returns. For clients with multiple properties, we coordinate valuations, equity release strategies, and refinancing options to optimise overall borrowing capacity. Every application is tailored to the client’s full wealth profile, ensuring access to larger loans and more competitive terms than standard retail lending models.
exclusive marketplace
Luxury Real Estate
Finance Without Limits
From prime property to complex, high-value assets, Million Plus delivers bespoke finance solutions beyond the high street. We combine extensive market insight, private bank access, and expert structuring to support ambitious clients with sophisticated financial needs, in the UK and internationally.
