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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 Journal
Market intelligence, case studies and expert commentary on property, luxury asset finance, crypto-backed lending and private wealth.
Rate Decision Prediction: Why the Bank of England Will Hold Interest Rates at 3.75% This Week Published: 17 March 2026 Author: Paul Welch This Thursday, March 19, the Bank of England’s Monetary Policy Committee (MPC) will announce its latest decision on the UK’s base interest rate. Just a few weeks ago, the financial markets considered […]
Market Alert Red Alert: Why the UK Mortgage Market Just Hit a Tipping Point The financial markets have sent a clear and urgent signal. In the last 48 hours, the underlying costs that determine every fixed-rate mortgage in the UK have surged dramatically. This is not a minor fluctuation. It is a seismic shift that […]
While super-prime London still attracts global wealth, the £1m–£10m buyer is increasingly heading for the country Prime London property has hit a soft patch, and it’s not just political noise or tax threats behind the slowdown. According to Paul Welch, founder of Million Plus Private Finance, affluent buyers in the £1m–£10m range are prioritising space, lifestyle and value, pushing demand beyond the […]
If you’re approaching the end of your current mortgage deal, you’ve probably asked yourself this question more than once. The decision between fixing your mortgage rate now or waiting for a potentially better deal can feel overwhelming, particularly during periods of rate uncertainty. The truth is there’s no single answer that works for everyone. What […]
Property sits at the core of generational wealth planning. For high-net-worth individuals and families, residential and commercial property represents both tangible security and strategic opportunity—assets that appreciate, generate income, and can be structured for long-term tax efficiency. How the wealthy use property to reduce tax isn’t about evasion or aggressive schemes. It’s about early planning, […]
The question hits landlords’ inboxes constantly: should I Airbnb this property or let it long-term? Rising rents make traditional buy-to-let look attractive again. But holiday let nightly rates seem unbeatable. Convert that coastal cottage to short-term stays and watch the income roll in, right? Not quite. Holiday lets vs long term lets isn’t a simple […]
Property ownership represents a cornerstone of UK wealth accumulation, with residential and commercial real estate comprising approximately 65% of high-net-worth individual portfolios according to wealth management studies. However, property’s tax treatment—capital gains tax on disposals, inheritance tax on estates, income tax on rentals, and stamp duty on acquisitions—creates substantial friction costs that can erode returns […]
Imagine living somewhere with no traffic noise, no cars, and yes—no income tax. Sounds like fantasy, doesn’t it? Yet there’s a place just an hour’s flight from London where this reality exists. Welcome to Sark, the only tax free island in Europe that most people have never heard of. Sark is a British Crown Dependency […]
Why Deposits and Tenancy Agreements Matter More Than Ever With the Renters’ Rights Bill progressing through Parliament, landlords face an evolving regulatory landscape that demands greater attention to compliance and documentation. Changes to tenancy laws, deposit regulations, and eviction procedures mean that getting your initial tenancy agreement and deposit protection right has never been more […]
Imagine owning a home worth less than the mortgage you owe on it. That’s negative equity – and it’s a situation that catches more homeowners off guard than you might think. Whether you’re a first-time buyer worried about market fluctuations or a homeowner considering remortgaging, understanding negative equity is crucial. This guide explains what negative […]
You’ve had your offer accepted—congratulations! But here’s what many first-time buyers don’t expect: the legal process of buying your home can feel more complex than finding it. Enter the property lawyer, also known as a conveyancer. This professional guides you through every legal step from offer acceptance to the moment you pick up your keys. […]
Getting onto the property ladder has never been straightforward, but here’s something many first-time buyers don’t realize: the UK government offers numerous schemes specifically designed to help you purchase your first home—or even move up the ladder as an existing homeowner. From savings schemes that boost your deposit by 25% to programs that let you […]
You’ve found your dream property—maybe it’s a stunning Georgian townhouse in Bath, or a contemporary penthouse overlooking the Thames. You’re ready to make your move, but there’s one critical question standing between you and that purchase: how do you secure the best possible mortgage deal? Here’s the thing—most people think getting a mortgage is straightforward. […]
Don’t pay off your mortgage. Yes, you read that right. Most people in the UK think the smartest financial move is paying off their mortgage as quickly as possible. But what if that conventional wisdom is actually holding you back from building serious wealth? Here’s what most people don’t realize: wealthy individuals rarely pay off […]
Can you still get a mortgage after age 60? What about 75 or even 89? Yes, you can. And many people are doing just that. Later life lending is no longer a niche option. It’s a mainstream financial tool that helps individuals borrow in retirement, access equity, and support intergenerational wealth planning. This guide explains […]
There’s something undeniably appealing about buying a fixer-upper: the idea of transforming a neglected property into your dream home, adding value through sweat equity, and potentially making a tidy profit when you sell. But before you get swept up in the romance of renovation shows, it’s worth asking: is buying a fixer-upper really a smart […]
When you’re buying a home, you’ll face a mountain of paperwork, legal jargon, and financial decisions. One question that often causes confusion is: do I need life insurance to get a mortgage? The short answer is no—life insurance is not a legal requirement for getting a mortgage in the UK. However, that doesn’t mean it’s […]
Your mortgage renewal might feel like a long way off, but preparing early could save you thousands of pounds and spare you from unnecessary stress. Whether your current deal ends in six months or next year, now’s the time to get ahead of the game. A mortgage renewal is when your existing mortgage deal comes […]
The UK buy to let (BTL) mortgage market is entering a new phase in 2025. Despite headlines about rates and regulation, the fundamentals remain strong with rising rental demand, limited supply, and renewed competition among specialist lenders. For high-net-worth investors and portfolio landlords, this environment offers significant opportunity, provided finance is structured correctly. In this […]
Owning UK Property While Living Abroad – The Expat Mortgage Guide Owning property in the UK while living overseas is entirely possible with the right financial structure and specialist guidance. At Million Plus Private Finance, we help British expats living in the UAE, Saudi Arabia, Singapore, Hong Kong, and France secure tailored UK expat mortgages […]