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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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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.

AllReal EstateFinanceCase StudiesMortgagesJetsYachtsLifestyleCarsSuper YachtsAircraftArtWine
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.

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.

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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 to sell your wine collection: exchanges vs auctions
Wine19 May 2026

How to sell your wine collection: exchanges vs auctions

Selling a fine wine collection involves choosing between exchanges like Liv-ex for speed and price transparency, and auctions for rare bottles and potential record prices. This guide details the processes, costs, and strategic considerations for each to help you maximise your return.

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.

Where UHNW Capital is Flowing: Top 5 Pre-IPO Sectors in 2026
Finance19 May 2026

Where UHNW Capital is Flowing: Top 5 Pre-IPO Sectors in 2026

A detailed analysis of the five key sectors—Defence Tech, Space, AI, Consumer Internet, and Web3—attracting billions in UHNW and institutional capital in the pre-IPO secondary market.

The New Pre-IPO Market: Why UHNW Investors Now Pay Premiums, Not Discounts
Finance18 May 2026

The New Pre-IPO Market: Why UHNW Investors Now Pay Premiums, Not Discounts

Discover the fundamental shift in the pre-IPO secondary market, where sophisticated UHNW and institutional investors are no longer seeking discounts but are paying significant premiums for scarce access to the world's leading private companies.

Anthropic's Secondary Market: A Case Study in Pre-IPO Valuation Premiums
Finance18 May 2026

Anthropic's Secondary Market: A Case Study in Pre-IPO Valuation Premiums

A deep dive into the pre-IPO secondary market for AI leader Anthropic, exploring why secondary trades are pricing the company at more than double its last primary funding round valuation.

How to Sell Pre-IPO Stock: A Strategic Guide for Founders and Early Employees
Finance18 May 2026

How to Sell Pre-IPO Stock: A Strategic Guide for Founders and Early Employees

A strategic guide for founders and early employees on selling pre-IPO stock. Learn how to assess your position, navigate company restrictions like ROFR, find qualified buyers, and structure a discreet transaction.

How long should you hold investment wine?
Wine18 May 2026

How long should you hold investment wine?

The optimal holding period for investment-grade wine is typically between 5 and 10 years, though this can extend to 20 years or more for exceptional vintages. Learn how a wine's drinking window, scarcity, and region impact the ideal duration.

What is the big three of wine investment: Bordeaux, Burgundy, Champagne
Wine18 May 2026

What is the big three of wine investment: Bordeaux, Burgundy, Champagne

The 'big three' of wine investment are Bordeaux, Burgundy, and Champagne. These regions dominate the secondary market due to their unparalleled quality, scarcity, age-worthiness, and global brand recognition, forming the cornerstone of most fine wine portfolios.

What is en primeur wine buying and is it worth it?
Wine18 May 2026

What is en primeur wine buying and is it worth it?

En primeur, or wine futures, is the process of buying wine while it is still ageing in the barrel, one to two years before bottling. It can be a worthwhile strategy for securing sought-after wines at their initial release price, offering potential for financial appreciation and guaranteed provenance.

What is Ferrari Classiche certification and why does it matter?
Cars18 May 2026

What is Ferrari Classiche certification and why does it matter?

Ferrari Classiche certification is the ultimate verification of a vintage Ferrari's authenticity from the Maranello factory. Learn how this 'Red Book' process works, its costs, and why it adds significant value and prestige for collectors and investors.

Why is fine wine considered a recession-proof investment?
Wine18 May 2026

Why is fine wine considered a recession-proof investment?

Fine wine is considered a recession-proof investment due to its unique supply-demand dynamics, low correlation with traditional markets, and its status as a tangible asset with potential tax benefits.

How Pre-IPO Secondary Deals Are Structured: A Guide for HNW Investors
Finance18 May 2026

How Pre-IPO Secondary Deals Are Structured: A Guide for HNW Investors

A technical guide for HNW investors on how pre-IPO secondary deals are executed, from simple direct share transfers to complex SPVs, forward contracts, and synthetic exposure, with worked examples from SpaceX and Anthropic.

The Pre-IPO Secondary Market in 2026: A Guide for UHNW Investors
Finance18 May 2026

The Pre-IPO Secondary Market in 2026: A Guide for UHNW Investors

The pre-IPO secondary market has transformed into a seller-controlled environment, characterised by intense buyer demand, severe supply scarcity, and significant price premiums over primary funding round valuations.

What is the J-Curve in luxury car depreciation?
Cars18 May 2026

What is the J-Curve in luxury car depreciation?

Discover the J-Curve in luxury car depreciation, where certain vehicles' values fall, bottom out, and then appreciate significantly over time. Learn how to identify and finance these high-performance assets.

How to buy off-market hypercars and collector vehicles
Cars15 May 2026

How to buy off-market hypercars and collector vehicles

Learn how to buy off-market hypercars like Bugatti and Koenigsegg. Our expert guide covers specialist brokers, due diligence, financing, and navigating the exclusive world of private vehicle sales.

ICE vs EV collector cars: which is the better investment in 2026?
Cars14 May 2026

ICE vs EV collector cars: which is the better investment in 2026?

For 2026, blue-chip Internal Combustion Engine (ICE) collector cars with rarity, provenance, and manual gearboxes represent the more predictable investment over emerging but volatile Electric Vehicle (EV) collectibles.

Which luxury car brands hold their value best?
Cars14 May 2026

Which luxury car brands hold their value best?

Limited-production supercars and hypercars from brands with strong motorsport heritage, such as Ferrari and Porsche, typically hold their value best and often appreciate over time.

What is the 1000 mile rule for supercar investments?
Cars13 May 2026

What is the 1000 mile rule for supercar investments?

The 1000-mile rule is a collector's benchmark suggesting a modern supercar's investment value falls sharply after 1,000 miles, as it transitions from a new collectible to a used vehicle. This principle is critical for managing supercars as appreciating assets.

How to verify provenance when buying fine art
Art12 May 2026

How to verify provenance when buying fine art

Verifying art provenance involves scrutinising ownership documents, consulting catalogues raisonnés and looted art databases, and engaging experts to confirm authenticity and legal title.

What are the hidden costs of owning fine art?
Art12 May 2026

What are the hidden costs of owning fine art?

Beyond the hammer price, the true cost of owning fine art includes significant annual expenses for specialist insurance, climate-controlled storage, conservation, and valuations, often totalling 1-2% of the artwork's value.

Can you borrow money against your art collection?
Art12 May 2026

Can you borrow money against your art collection?

Yes, you can secure a loan against your fine art collection. This process, known as art-backed lending, allows you to access significant liquidity from your art without selling it, providing capital for investments, business opportunities, or wealth planning.