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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.
Lenders, particularly private banks and specialist financiers, assess complex income for large mortgages through manual underwriting, taking a holistic view of an applicant's total wealth including retained profits, bonuses, RSUs, and investment income, rather than relying on automated calculations.
The High Net Worth (HNW) mortgage exemption is an FCA provision allowing lenders to use flexible affordability criteria for borrowers with an annual net income over £300,000 or net assets over £3,000,000.
For a large mortgage of £1 million or more in 2026, high-net-worth (HNW) individuals can typically borrow between 5 to 6.5 times their annual income through private banks who assess total wealth, not just salary.
Discover what Ferrari Classiche certification entails, the process involved, and why the coveted 'Red Book' is essential for verifying authenticity, enhancing value, and preserving the heritage of a classic Ferrari.
Expert guide comparing fine wine exchanges like Liv-ex and traditional auctions for selling your collection. Understand the differences in fees, speed, and pricing to maximise your return.
In 2026, high-net-worth individuals can borrow significantly more for a large mortgage than standard income multiples suggest. Private banks assess total wealth, offering multiples of 5.5x, 6x or higher on complex global incomes, unlocking multi-million-pound financing.
The optimal holding period for investment-grade wine is typically between 5 and 20 years, varying by region and vintage to maximise appreciation as scarcity increases.
The "big three" of wine investment refers to Bordeaux, Burgundy, and Champagne, the three French regions that have historically dominated the fine wine market due to their consistent quality, established secondary market, and long-term price appreciation potential.
En primeur, or 'wine futures', is the process of buying wine while it is still in the barrel, years before it is bottled. This guide explores whether it's a worthwhile strategy for collectors and investors in 2026.
Fine wine is considered a recession-proof investment due to its tangible nature, inelastic demand from global high-net-worth consumers, a finite supply that decreases as it's consumed, and a historically low correlation with traditional financial markets.
Discover how to access and purchase exclusive off-market hypercars and collector vehicles. Learn the role of specialist brokers, due diligence, and financing.
The J-Curve in luxury car depreciation describes the value trajectory of a rare vehicle, which initially drops steeply, bottoms out, and then begins to appreciate, often surpassing its original value.
Verifying art provenance involves meticulously researching and documenting an artwork's history of ownership, exhibition, and publication to confirm its authenticity, value, and legal title. This guide details the essential steps for UHNW collectors.
In 2026, ICE vehicles with manual gearboxes offer established investment value, while limited-run EV hypercars present a high-risk, high-reward alternative.
Discover which luxury car brands like Ferrari and Porsche hold their value best through an expert analysis of resale value, depreciation factors, and financing strategies.
Discover the '1000 mile rule' for supercar investments. Learn how mileage impacts resale value and how to maximise your returns on collectible high-performance vehicles.
A guide for HNW individuals on sophisticated lending solutions beyond traditional mortgages, including Lombard loans, single-stock financing, and crypto-backed loans, which offer superior rates and flexibility.
Private art sales, or private treaty sales, are increasingly preferred over public auctions by UHNW collectors due to their discretion, cost-effectiveness, and mitigation of auction risks. This shift allows for greater control over the sale of high-value artworks.
Explore the world of blue-chip art investment in 2026. Learn what defines artists like Warhol and Richter, how to acquire and finance works, and the strategies for UHNW portfolios.
For new collectors, the secondary art market offers a lower-risk entry with established artists and transparent pricing, while the primary market presents higher-risk, higher-reward opportunities and a direct connection to emerging talent. Understanding the key differences is crucial for building a successful collection.