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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.

020 7519 4950

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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.

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 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.

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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.

Source of Wealth vs Source of Funds: What Lenders Want to Know
Mortgages26 May 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) for large mortgage applications. Learn what documents lenders require to comply with AML regulations.

Can foreign nationals get large UK mortgages?
Mortgages26 May 2026

Can foreign nationals get large UK mortgages?

Yes, foreign nationals and non-residents can secure large UK mortgages, typically over £1 million. Success depends on meeting specific criteria from private banks and specialist lenders regarding deposit size, income verification, and source of wealth.

How long does a large mortgage application take?
Mortgages26 May 2026

How long does a large mortgage application take?

A large mortgage application (£1M+) in the UK typically takes 6 to 12 weeks, but can extend to 4+ months for complex cases due to enhanced due diligence (EDD) on income and wealth.

Why you need a specialist broker for a large mortgage
Mortgages26 May 2026

Why you need a specialist broker for a large mortgage

A specialist broker is essential for a large mortgage (£1M+) to access private banks and off-market products. They provide bespoke underwriting for complex income and negotiate superior terms unavailable from high street lenders.

How interest-only mortgages work for high value properties
Mortgages26 May 2026

How interest-only mortgages work for high value properties

Interest-only mortgages for high-value properties allow borrowers to only service the interest monthly, deferring capital repayment until the term ends via a pre-agreed strategy. This structure is favoured by HNW individuals for cash flow efficiency and leveraging capital.

What are dry vs wet mortgage rates at private banks?
Mortgages26 May 2026

What are dry vs wet mortgage rates at private banks?

A 'dry' mortgage from a private bank is a standalone lending facility, whereas a 'wet' mortgage offers a discounted rate in exchange for placing significant Assets Under Management (AUM) with the bank.

Case Study: Securing a £1.8M UK Mortgage for a UAE-Based Executive
Expat Mortgages26 May 2026

Case Study: Securing a £1.8M UK Mortgage for a UAE-Based Executive

A detailed breakdown of how a UAE-based executive, initially declined by a high street bank, secured a £1.8M UK mortgage by leveraging a specialist private bank that understood his complex, tax-free income.

How to Secure a UK Expat Mortgage in 2026: The Definitive Guide
Expat Mortgages26 May 2026

How to Secure a UK Expat Mortgage in 2026: The Definitive Guide

A comprehensive guide for expatriates on securing UK property finance in 2026. Learn why the market has shifted, the steps to apply, and what specialist lenders can offer.

Are jumbo mortgage rates higher than standard rates in 2026?
Mortgages26 May 2026

Are jumbo mortgage rates higher than standard rates in 2026?

Contrary to common assumptions, jumbo mortgage rates for high-net-worth individuals in the UK are often lower than standard rates due to competition among private banks.

Should you choose a 2-year or 5-year fixed rate mortgage in 2026?
Mortgages26 May 2026

Should you choose a 2-year or 5-year fixed rate mortgage in 2026?

Choosing between a 2-year and 5-year fixed rate mortgage in 2026 depends on your risk appetite and personal circumstances, balanced against market expectations for the Bank of England Base Rate.