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Whether you are looking to buy, sell, or finance a luxury asset, our team is here to assist. Tell us what you need.
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MillionPlus
Whether you are looking to buy, sell, or finance a luxury asset, our team is here to assist. Tell us what you need.
Powered by MillionPlus AI · Privacy Policy
MillionPlus Journal
Market intelligence, case studies and expert commentary on property, luxury asset finance, crypto-backed lending and private wealth.
For a £1 million mortgage, a typical minimum income required by high street lenders is between £220,000 and £250,000, based on standard 4x to 4.5x income multiples. However, private banks and specialist lenders can offer greater flexibility for high-net-worth individuals.
The FCA's High Net Worth (HNW) mortgage exemption allows individuals with significant income or assets to access more flexible and bespoke lending solutions by opting out of certain standard affordability assessments.
Selling a fine wine collection involves choosing between exchanges like Liv-ex for speed and price transparency, and auctions for rare bottles and potential record prices. This guide details the processes, costs, and strategic considerations for each to help you maximise your return.
For a large mortgage in 2026, high-net-worth individuals can typically borrow between 5 to 7 times their annual income, as private banks assess total wealth and complex income streams, not just standard multiples.
A detailed analysis of the five key sectors—Defence Tech, Space, AI, Consumer Internet, and Web3—attracting billions in UHNW and institutional capital in the pre-IPO secondary market.
Discover the fundamental shift in the pre-IPO secondary market, where sophisticated UHNW and institutional investors are no longer seeking discounts but are paying significant premiums for scarce access to the world's leading private companies.
A deep dive into the pre-IPO secondary market for AI leader Anthropic, exploring why secondary trades are pricing the company at more than double its last primary funding round valuation.
A strategic guide for founders and early employees on selling pre-IPO stock. Learn how to assess your position, navigate company restrictions like ROFR, find qualified buyers, and structure a discreet transaction.
The optimal holding period for investment-grade wine is typically between 5 and 10 years, though this can extend to 20 years or more for exceptional vintages. Learn how a wine's drinking window, scarcity, and region impact the ideal duration.
The 'big three' of wine investment are Bordeaux, Burgundy, and Champagne. These regions dominate the secondary market due to their unparalleled quality, scarcity, age-worthiness, and global brand recognition, forming the cornerstone of most fine wine portfolios.
En primeur, or wine futures, is the process of buying wine while it is still ageing in the barrel, one to two years before bottling. It can be a worthwhile strategy for securing sought-after wines at their initial release price, offering potential for financial appreciation and guaranteed provenance.
Ferrari Classiche certification is the ultimate verification of a vintage Ferrari's authenticity from the Maranello factory. Learn how this 'Red Book' process works, its costs, and why it adds significant value and prestige for collectors and investors.
Fine wine is considered a recession-proof investment due to its unique supply-demand dynamics, low correlation with traditional markets, and its status as a tangible asset with potential tax benefits.
A technical guide for HNW investors on how pre-IPO secondary deals are executed, from simple direct share transfers to complex SPVs, forward contracts, and synthetic exposure, with worked examples from SpaceX and Anthropic.
The pre-IPO secondary market has transformed into a seller-controlled environment, characterised by intense buyer demand, severe supply scarcity, and significant price premiums over primary funding round valuations.
Discover the J-Curve in luxury car depreciation, where certain vehicles' values fall, bottom out, and then appreciate significantly over time. Learn how to identify and finance these high-performance assets.
Learn how to buy off-market hypercars like Bugatti and Koenigsegg. Our expert guide covers specialist brokers, due diligence, financing, and navigating the exclusive world of private vehicle sales.
For 2026, blue-chip Internal Combustion Engine (ICE) collector cars with rarity, provenance, and manual gearboxes represent the more predictable investment over emerging but volatile Electric Vehicle (EV) collectibles.
Limited-production supercars and hypercars from brands with strong motorsport heritage, such as Ferrari and Porsche, typically hold their value best and often appreciate over time.
The 1000-mile rule is a collector's benchmark suggesting a modern supercar's investment value falls sharply after 1,000 miles, as it transitions from a new collectible to a used vehicle. This principle is critical for managing supercars as appreciating assets.