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MillionPlus

A luxury asset marketplace and specialist finance advisory. Discreet, global, and backed by a carefully selected panel of private banks and specialist lenders.

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  • London
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© 2026 Millionplus.com International Ltd. All rights reserved.

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Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Million Plus is a trading style of MillionPlus.com International Limited. All finance enquiries are referred to Million Plus Private Finance Limited (FCA No. 1006539), which is an appointed representative of TMG Direct Limited. TMG Direct Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 786245) and is registered with the Information Commissioner's Office under the Data Protection Act 2018 (Registration No. ZA178200). Commercial mortgages, buy-to-let mortgages, and some forms of asset lending are not regulated by the Financial Conduct Authority. Million Plus Private Finance Ltd is a credit broker, not a lender.

MillionPlus.com International Limited is registered in Guernsey No. 66225. Registered Address: Office 4, Caslon Court, Pitronnerie Road, St Peter Port, GY1 2RW. Million Plus Private Finance Limited is registered in England and Wales No. 08503362. Registered Address: Azets Burnham Yard, Beaconsfield, Bucks, United Kingdom, HP9 2JH.

MillionPlus Journal

Insights & News

Market intelligence, case studies and expert commentary on property, luxury asset finance, crypto-backed lending and private wealth.

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Buy-to-let Mortgages for High Value Properties: The Complete Guide
Mortgages28 July 2026

Buy-to-let Mortgages for High Value Properties: The Complete Guide

A comprehensive guide to securing buy-to-let mortgages for properties over £1 million, covering lender criteria, tax implications, and structuring for HNW investors.

Later Life Lending and Equity Release for High Value Homes
Mortgages28 July 2026

Later Life Lending and Equity Release for High Value Homes

A guide for UHNW homeowners on using later life lending and equity release for properties valued over £1m. Explore lifetime mortgages, strategic uses for IHT planning, and the specialist lenders involved.

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Portfolio Landlord Mortgages: Financing Multiple Investment Properties
Mortgages28 July 2026

Portfolio Landlord Mortgages: Financing Multiple Investment Properties

A portfolio landlord mortgage is a specialised finance product for investors with four or more mortgaged properties. This guide covers lending criteria, SPV structures, and strategies for financing a property portfolio in 2026.

What is a green mortgage and how much can it save you?
Mortgages16 July 2026

What is a green mortgage and how much can it save you?

A green mortgage is a loan secured against an energy-efficient property, rewarding the borrower with a lower interest rate or cashback. Savings come from both the preferential mortgage terms and reduced household energy bills.

The Biggest Mistake Borrowers Make with Large Mortgages
Mortgages16 July 2026

The Biggest Mistake Borrowers Make with Large Mortgages

Discover the single biggest mistake HNW borrowers make with large mortgages. Learn how a messy credit footprint can ruin your application and how to pre-screen lenders.

A Comprehensive Guide to Securing a Mortgage in Retirement
Mortgages14 July 2026

A Comprehensive Guide to Securing a Mortgage in Retirement

Discover how securing a mortgage in your 70s, 80s, or even 90s is achievable with specialist lenders. This guide explains how pension and investment income are used for affordability, the types of products available, and the strategic financial planning opportunities this unlocks.

How to Secure a Mortgage in Retirement in the UK (2026 Guide)
Mortgages14 July 2026

How to Secure a Mortgage in Retirement in the UK (2026 Guide)

Discover how to secure a mortgage in retirement in the UK. This comprehensive 2026 guide explains how specialist lenders assess pension and investment income, the age limits, and the types of products available up to age 95.

What are dry vs wet mortgage rates at private banks?
Mortgages13 July 2026

What are dry vs wet mortgage rates at private banks?

A 'dry' mortgage rate is a standalone loan priced without any requirement to transfer assets, while a 'wet' rate is a preferential, lower rate offered on the condition that the borrower places Assets Under Management (AUM) with the bank.

How long does a large mortgage application take?
Mortgages13 July 2026

How long does a large mortgage application take?

A large mortgage application (£1m+) typically takes 6 to 12 weeks, but complex cases involving international assets or trusts can extend to 4-6 months due to enhanced due diligence.

Source of Wealth vs Source of Funds: What Lenders Want to Know
Mortgages13 July 2026

Source of Wealth vs Source of Funds: What Lenders Want to Know

Understand the critical difference between Source of Wealth (SoW) and Source of Funds (SoF). Learn what evidence lenders require for large mortgage applications and why these AML checks are vital.

How Do Lenders Assess Complex Income for Large Mortgages?
Mortgages10 July 2026

How Do Lenders Assess Complex Income for Large Mortgages?

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.

What is the High Net Worth exemption for mortgages?
Mortgages7 July 2026

What is the High Net Worth exemption for mortgages?

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.

How much can you borrow for a large mortgage in 2026?
Mortgages7 July 2026

How much can you borrow for a large mortgage in 2026?

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.

How much can you borrow for a large mortgage in 2026?
Mortgages6 July 2026

How much can you borrow for a large mortgage in 2026?

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.

How to Release Capital From a Property Portfolio Without Selling (2026)
Real Estate23 June 2026

How to Release Capital From a Property Portfolio Without Selling (2026)

Discover how experienced property investors use portfolio remortgaging to release capital without selling assets, avoiding Capital Gains Tax and positioning their portfolios for strategic growth.

Portfolio landlord mortgages: financing multiple investment properties
Mortgages9 June 2026

Portfolio landlord mortgages: financing multiple investment properties

A comprehensive guide for HNW investors on portfolio landlord mortgages. Learn about PRA rules, SPV structures, and how to finance multiple properties in the UK.

What is a green mortgage and how much can it save you?
Mortgages28 May 2026

What is a green mortgage and how much can it save you?

A green mortgage offers preferential terms, like rate discounts or cashback, for purchasing or upgrading energy-efficient properties with a high EPC rating. Discover how they work and the potential savings on both your loan and energy bills.

The Biggest Mistake Borrowers Make with Large Mortgages
Mortgages28 May 2026

The Biggest Mistake Borrowers Make with Large Mortgages

The most significant error high-net-worth borrowers make is applying to multiple lenders directly, creating a damaging credit footprint. A specialist broker can pre-screen your application to secure the best terms without harming your credit profile.

What is the stamp duty on a 2 million pound home in the UK?
Mortgages27 May 2026

What is the stamp duty on a 2 million pound home in the UK?

The standard Stamp Duty Land Tax (SDLT) on a £2 million home in England or Northern Ireland is £151,250. This figure can rise significantly to £211,250 if it is an additional property or even higher for non-UK residents.

How Large Bridging Loans Work for Buy Before You Sell
Mortgages26 May 2026

How Large Bridging Loans Work for Buy Before You Sell

Discover how large bridging loans enable you to buy a new property before selling your current one. Learn about the process, costs, and criteria from the experts at Million Plus.