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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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£1.85 Million Auction Bridging Loan for Renovation Project
Auction Finance14 January 2026

£1.85 Million Auction Bridging Loan for Renovation Project

Our client identified a high-value residential property at auction, intended for renovation and resale. The short settlement window created a barrier for traditional lenders, and the property's condition meant additional funding would be required post-acquisition. Million Plus Private Finance reviewed the client's portfolio, projected renovation costs, and funding requirements.

£3.1 Million Multi-Property Auction Loan for Portfolio Expansion
Auction Finance14 January 2026

£3.1 Million Multi-Property Auction Loan for Portfolio Expansion

Our client sought to acquire three high-value auction properties in succession to expand an existing residential portfolio. Traditional lenders were cautious due to the speed of acquisitions and multi-property complexity. Million Plus Private Finance structured a bespoke multi-property auction loan.

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£2.4 Million Short-Term Loan for London Auction Property
Auction Finance14 January 2026

£2.4 Million Short-Term Loan for London Auction Property

Our client aimed to secure a prime central London property at auction, but traditional lenders could not provide rapid funding within the auction timetable. The property was a mixed-use building, combining residential flats and a commercial unit, which added complexity for conventional mortgage providers.

£12m Lombard Loan Secured Against Multi-Asset Portfolio
Case Studies13 January 2026

£12m Lombard Loan Secured Against Multi-Asset Portfolio

A tech entrepreneur approached Million Plus Private Finance requiring fast access to liquidity for a luxury property acquisition in London. Most of their net worth was held in a diversified investment portfolio that included global equities, corporate bonds, and structured products held across two private banks in different jurisdictions.

£3m Facility Secured for International Property Refinancing
Case Studies13 January 2026

£3m Facility Secured for International Property Refinancing

A finance executive with significant equity holdings required a seamless refinancing solution on a UK investment property portfolio. Traditional lenders raised concerns related to cross-border income streams and international residency arrangements, resulting in slow progress and restrictive terms.

£7.5m Liquidity Release for Business Expansion Using Securities Collateral
Case Studies13 January 2026

£7.5m Liquidity Release for Business Expansion Using Securities Collateral

A family office sought capital to co-invest in a strategic business acquisition while preserving exposure to long-held equity positions. Their goal was to access liquidity from a portfolio including blue-chip equities and government bonds without selling or restructuring core holdings.

£4.5 Million Multi-Crypto Mortgage for Portfolio Diversification
Case Studies13 January 2026

£4.5 Million Multi-Crypto Mortgage for Portfolio Diversification

Our client, an international investor with holdings in Bitcoin, Ethereum, and other digital assets, sought a mortgage to diversify their UK property portfolio. High-value multi-property finance with cryptocurrency collateral posed challenges for standard lenders due to volatility and multi-jurisdiction holdings.

£1.9 Million Ethereum-Backed Mortgage for a UK Investment Property
Case Studies13 January 2026

£1.9 Million Ethereum-Backed Mortgage for a UK Investment Property

Our client, a high-net-worth entrepreneur, sought to finance a UK investment property using Ethereum as collateral. The property was a multi-unit residential building intended for rental income, and traditional lenders were cautious due to crypto volatility and non-standard income sources.

£2.8 Million Bitcoin-Backed Mortgage for a Luxury London Property
Case Studies13 January 2026

£2.8 Million Bitcoin-Backed Mortgage for a Luxury London Property

Our client, a high-net-worth investor with a substantial Bitcoin portfolio, required a mortgage to acquire a high-value residential property in London. Conventional lenders were hesitant due to cryptocurrency collateral and cross-border assets.

$4.2 Million Multi-Crypto Facility for Business Acquisition
Case Studies13 January 2026

$4.2 Million Multi-Crypto Facility for Business Acquisition

Loan-to-value ratios for this multi-asset facility were assessed based on the mix of underlying digital assets, approved custody structures, jurisdiction, and market conditions at the time of execution.

$10 Million Stablecoin-Backed Facility for Investment Diversification
Case Studies13 January 2026

$10 Million Stablecoin-Backed Facility for Investment Diversification

Loan-to-value ratios for this facility were structured with reference to the stablecoin-led collateral profile, approved custody arrangements, jurisdiction, and prevailing market conditions. Collateral buffers and monitoring frameworks were agreed to ensure stability throughout the loan term, with final terms set in advance to support the client's diversification strategy while preserving long-term digital asset positions.

$8 Million Bitcoin-Backed Loan for Portfolio Expansion
Case Studies13 January 2026

$8 Million Bitcoin-Backed Loan for Portfolio Expansion

Loan-to-value ratios for this facility were determined based on the composition of the client's cryptocurrency portfolio, approved custody arrangements, jurisdiction, and prevailing market conditions.

£4.8 Million UK Expat Mortgage for an International Consultant with Overseas Business Income
Case Studies13 January 2026

£4.8 Million UK Expat Mortgage for an International Consultant with Overseas Business Income

Our client, a British expatriate working internationally as a senior consultant, required a UK expat mortgage to purchase a prime UK property valued at £4.8 million. Although the client continued to live and work abroad, the property was intended as a long-term family base and investment within their wider wealth strategy.

£2 Million UK Expat Mortgage for a Self-Employed British Client with Multi-Currency Income
Case Studies13 January 2026

£2 Million UK Expat Mortgage for a Self-Employed British Client with Multi-Currency Income

Our client, a British expatriate living overseas, approached Million Plus Private Finance to arrange a UK expat mortgage for the purchase of a new family home. The client was self-employed, already owned a UK property, and wished to retain this property so their daughter could continue living there.

How We Secured a £12 Million Expat Property Finance Solution
Case Studies13 January 2026

How We Secured a £12 Million Expat Property Finance Solution

Our client, a British expatriate living and working in Asia, wanted to purchase a luxury residence in London valued at £12 million. With income spread across several international sources and currencies, our client found that traditional UK lenders were unwilling to support his application.

£4.5 Million Cross-Border Private Bank Mortgage for an International Client
Case Studies13 January 2026

£4.5 Million Cross-Border Private Bank Mortgage for an International Client

Our client is a UK national residing overseas, with income derived from international business interests and diversified investment portfolios held across multiple jurisdictions. The challenge was that cross-border income, foreign currency earnings, and overseas tax documentation placed the application outside standard retail lending criteria. Currency exposure and jurisdictional complexity required specialist structuring.

£1.85 Million Interest-Only Private Bank Mortgage for a High-Earning Professional
Case Studies13 January 2026

£1.85 Million Interest-Only Private Bank Mortgage for a High-Earning Professional

Our client is a senior professional with a high base salary supported by annual bonuses and long-term incentive income. While overall earnings were strong, income fluctuated year to year. The challenge was that retail lenders discounted a substantial portion of variable income, limiting borrowing potential and restricting repayment structure options.

£3.2 Million Private Bank Mortgage for a Business Owner with Retained Profits
Case Studies13 January 2026

£3.2 Million Private Bank Mortgage for a Business Owner with Retained Profits

Our client is the majority shareholder and director of a profitable UK-based trading company. While personal PAYE income was relatively modest, significant wealth was held within retained company profits and investment assets. The challenge was that high street lenders focused primarily on salary and dividends, materially restricting borrowing capacity.

£3.1 Million UK Mortgage Refinancing for a Property Investor (2025)
UK Mortgages13 January 2026

£3.1 Million UK Mortgage Refinancing for a Property Investor (2025)

Our client, a high-net-worth property investor, required a £3.1 million mortgage facility to refinance multiple UK properties, including both prime London and regional assets. The objective was to release equity and simplify existing borrowing arrangements. Existing mortgages were fragmented across several lenders, resulting in restrictive terms and administrative complexity.

£1.85 Million Mortgage for a Regional UK Estate Purchase (2025)
UK Mortgages13 January 2026

£1.85 Million Mortgage for a Regional UK Estate Purchase (2025)

Our client sought a £1.85 million mortgage to acquire a countryside estate in the South of England valued at £2.6 million. The client held multiple UK properties, with income generated through rental portfolios and investment distributions.

£2.4 Million Mortgage for a London-Based Entrepreneur (2025)
UK Mortgages13 January 2026

£2.4 Million Mortgage for a London-Based Entrepreneur (2025)

Our client, a UK-based entrepreneur, sought a £2.4 million mortgage to purchase a prime London residence valued at £3.2 million. The client's income comprised dividends, retained company profits, and investment income, rather than a conventional PAYE salary. Traditional lenders focused narrowly on salary drawings, disregarding retained profits and balance sheet strength.

Landlord Tax Changes Explained Simply (What UK Property Owners Need to Know)
Real Estate13 January 2026

Landlord Tax Changes Explained Simply (What UK Property Owners Need to Know)

Being a landlord used to be straightforward. Buy a property, rent it out, deduct your mortgage and expenses, pay tax on what's left. Simple. Not anymore. Over the past decade, landlord tax changes have fundamentally altered how rental income is taxed, what expenses you can deduct, and how much you'll ultimately pay HMRC.

Holiday Lets vs Long-Term Lets: Which Pays More?
Finance13 January 2026

Holiday Lets vs Long-Term Lets: Which Pays More?

The question hits landlords' inboxes constantly: should I Airbnb this property or let it long-term? Rising rents make traditional buy-to-let look attractive again. But holiday let nightly rates seem unbeatable. Convert that coastal cottage to short-term stays and watch the income roll in, right? Not quite.

Can a Landlord Increase Rent? UK Rules Explained
Real Estate12 January 2026

Can a Landlord Increase Rent? UK Rules Explained

Rent increases cause genuine anxiety for tenants. You're settled in your home, managing your budget, then a letter arrives proposing higher monthly payments. Can your landlord actually do this? Do you have any say in the matter? For landlords, rent increases are equally contentious. Property costs rise—mortgages, maintenance, insurance, regulations. Raising rent feels justified.