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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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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.

Head Office: Aegon House, 13 Lanark Square, London, E14 9QD. 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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How Interest-Only Mortgages Work for High Value Properties
Mortgages10 September 2026

How Interest-Only Mortgages Work for High Value Properties

Interest-only mortgages for high-value properties allow borrowers to pay only the interest monthly, keeping payments low. The full capital is repaid at the end of the term using a pre-agreed asset, such as an investment portfolio or property sale, a structure favoured by HNW individuals for cash flow efficiency.

What is the stamp duty on a 2 million pound home in the UK?
Mortgages10 September 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 residential property in England or Northern Ireland is £153,750. This amount can increase significantly if it is an additional property or purchased by a non-UK resident.

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The Biggest Mistake Borrowers Make With Large Mortgages
Mortgages10 September 2026

The Biggest Mistake Borrowers Make With Large Mortgages

The single biggest mistake borrowers make with large mortgages is approaching multiple lenders directly, creating a chaotic credit footprint that signals desperation and makes securing the best terms progressively harder. A strategic, broker-led approach is essential.

What are dry vs wet mortgage rates at private banks?
Mortgages9 September 2026

What are dry vs wet mortgage rates at private banks?

A 'dry' mortgage rate is a standard loan rate, whereas a 'wet' rate is a preferential, lower rate offered on the condition that you transfer significant Assets Under Management (AUM) to the bank.

Are jumbo mortgage rates higher than standard rates in 2026?
Mortgages8 September 2026

Are jumbo mortgage rates higher than standard rates in 2026?

Contrary to common belief, jumbo mortgage rates for loans over £1 million are not necessarily higher than standard rates. For high-net-worth clients, private banks often offer highly competitive or even lower rates based on the overall client relationship and assets under management.

What is Lombard lending and how to use your portfolio as collateral?
Mortgages8 September 2026

What is Lombard lending and how to use your portfolio as collateral?

Lombard lending is a form of financing where a loan is granted using a client's liquid investment portfolio, such as stocks and bonds, as collateral, allowing access to liquidity without selling assets.

How do lenders assess complex income for large mortgages?
Mortgages25 August 2026

How do lenders assess complex income for large mortgages?

Lenders assess complex income for large mortgages through manual underwriting by specialist private banks, who analyse multiple streams like bonuses, commissions, retained profits, and vested RSUs over a 2-3 year period to establish a sustainable income figure.

What is the minimum income for a million pound mortgage?
Mortgages24 August 2026

What is the minimum income for a million pound mortgage?

The minimum income for a £1 million mortgage typically ranges from £167,000 to £225,000, but this depends entirely on the lender's criteria. While high street banks often use a rigid 4.5x income multiple, private banks assess a client's total wealth and offer more flexible, bespoke affordability models.

What is the High Net Worth exemption for mortgages?
Mortgages24 August 2026

What is the High Net Worth exemption for mortgages?

The High Net Worth (HNW) exemption allows UK lenders to bypass standard mortgage affordability rules for clients with an annual net income over £300,000 or net assets exceeding £3,000,000. This enables more flexible, bespoke lending solutions for individuals with complex financial profiles.

How much can you borrow for a large mortgage in 2026?
Mortgages24 August 2026

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

For high-net-worth individuals in 2026, borrowing capacity for a large mortgage is not limited by standard income multiples. Private banks assess total wealth, complex income, and future earnings to lend at multiples of 5.5x to 6x or higher.

How to Use a Portfolio Remortgage to Release Capital and Scale Your Investments
Mortgages21 August 2026

How to Use a Portfolio Remortgage to Release Capital and Scale Your Investments

A detailed how-to guide for experienced property investors on using a portfolio remortgage to release trapped equity, consolidate debt, and strategically scale their investments without selling assets.

How to Finance a Super-Prime Property: A UHNW Guide to Private Bank Lending
Real Estate11 August 2026

How to Finance a Super-Prime Property: A UHNW Guide to Private Bank Lending

A detailed guide on how UHNW individuals finance super-prime property. Learn about private bank lending, Lombard loans, and using an investment portfolio to secure tax-efficient funding for trophy assets.

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.

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.