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MillionPlus
Whether you are looking to buy, sell, or finance a luxury asset, our team is here to assist. Tell us what you need.
Powered by MillionPlus AI · Privacy Policy
MillionPlus Journal
Market intelligence, case studies and expert commentary on property, luxury asset finance, crypto-backed lending and private wealth.
Discover how ultra-high-net-worth individuals use sophisticated borrowing as a strategic tool for wealth enhancement, tax efficiency, and liquidity management, leveraging their entire balance sheet through specialist financial structures.
A complete guide to securing a UK expat mortgage in 2026, covering eligibility criteria, income verification for non-residents, deposit requirements, and the application process for HNW individuals.
Asset-backed lending is a type of financing where a loan is secured against the value of a specific asset. It is primarily designed for HNW and UHNW individuals who possess significant assets but require liquidity without wishing to sell them.
A crypto-backed loan allows you to use your digital assets, like Bitcoin, as collateral to secure a fiat currency loan. This provides immediate liquidity without needing to sell your crypto and trigger a potential capital gains tax event.
Explore the complete guide to Monaco residency for UHNW individuals. Learn about the application process, tax benefits, and financial requirements to relocate to this premier jurisdiction.
Discover Spain's Beckham Law, the special impatriate tax regime offering a 24% flat rate on Spanish income and exempting most foreign income. Learn the requirements, benefits, and how to apply.
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.