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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

Services

  • Real Estate
  • Yachts
  • Jets
  • Cars
  • Luxury Items
  • Premium Domains
  • Private Finance

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  • Paul Welch
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Global Presence

  • London
  • Guernsey
  • Monaco
  • Dubai

© 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 do lenders assess complex income for large mortgages?
Mortgages26 May 2026

How do lenders assess complex income for large mortgages?

Lenders assess complex income for large mortgages through manual underwriting, where specialists review an applicant's entire financial profile, including retained profits, bonuses, RSUs, and investment returns.

Why UK High Street Banks Decline Expat Mortgage Applications
Expat Mortgages23 May 2026

Why UK High Street Banks Decline Expat Mortgage Applications

UK high street banks frequently decline expat mortgage applications because their rigid, automated underwriting systems are not designed to assess foreign currencies, complex remuneration structures, or the nuances of different international jurisdictions.

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What is the minimum income for a million pound mortgage?
Mortgages20 May 2026

What is the minimum income for a million pound mortgage?

For a £1 million mortgage, a typical minimum income required by high street lenders is between £220,000 and £250,000, based on standard 4x to 4.5x income multiples. However, private banks and specialist lenders can offer greater flexibility for high-net-worth individuals.

What is the High Net Worth exemption for mortgages?
Mortgages20 May 2026

What is the High Net Worth exemption for mortgages?

The FCA's High Net Worth (HNW) mortgage exemption allows individuals with significant income or assets to access more flexible and bespoke lending solutions by opting out of certain standard affordability assessments.

How much can you borrow for a large mortgage in 2026?
Mortgages19 May 2026

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

For a large mortgage in 2026, high-net-worth individuals can typically borrow between 5 to 7 times their annual income, as private banks assess total wealth and complex income streams, not just standard multiples.

Why Sophisticated Investors Borrow Before They Sell
Finance11 May 2026

Why Sophisticated Investors Borrow Before They Sell

A practical guide on leveraging your investment portfolio to access tax-free cash. Learn the step-by-step process of using asset-backed loans like Lombard loans to unlock liquidity without triggering Capital Gains Tax.