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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.

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Italy flat tax for new residents: EUR 300k explained
Visas Residency9 September 2026

Italy flat tax for new residents: EUR 300k explained

Discover Italy's flat tax regime for new residents. Learn how the €100k substitute tax on foreign income works and how it can extend to family members.

Italy Flat Tax for New Residents: EUR 300k Explained
Visas Residency9 September 2026

Italy Flat Tax for New Residents: EUR 300k Explained

Italy's flat tax regime for new residents is an annual payment of €100,000 that covers all foreign-source income. The €300,000 figure often cited refers to the cumulative cost over three years.

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How to Insure a High Net Worth Property Portfolio
Insurance9 September 2026

How to Insure a High Net Worth Property Portfolio

Insuring a HNW property portfolio requires a bespoke approach using specialist insurers who offer tailored policies, consolidated under a single portfolio plan. This involves accurate valuations, comprehensive coverage for unique risks, and proactive risk management.

The Complete Guide to Expat Mortgages in the UK for 2026
Expat Mortgages9 September 2026

The Complete Guide to Expat Mortgages in the UK for 2026

Securing a UK expat mortgage in 2026 requires demonstrating robust affordability to a specialist lender, typically with a deposit of at least 25%, and navigating complex underwriting.

Are jumbo mortgage rates higher than standard rates in 2026?
Mortgages8 September 2026

Are jumbo mortgage rates higher than standard rates in 2026?

Contrary to common belief, jumbo mortgage rates for loans over £1 million are not necessarily higher than standard rates. For high-net-worth clients, private banks often offer highly competitive or even lower rates based on the overall client relationship and assets under management.

Luxury real estate in Madrid vs Barcelona: prime districts compared
Real Estate8 September 2026

Luxury real estate in Madrid vs Barcelona: prime districts compared

Madrid's prime property market, centered in districts like Salamanca, typically offers classic architecture and better value per square metre. Barcelona's luxury market, led by areas such as Eixample, provides a vibrant coastal lifestyle often at a premium price point.

Portugal IFICI regime: what replaced NHR for new residents
Visas Residency8 September 2026

Portugal IFICI regime: what replaced NHR for new residents

Portugal has replaced its popular Non-Habitual Resident (NHR) tax scheme with the new IFICI regime. This incentive is highly targeted at scientific researchers, tech professionals, and innovators, offering a 20% flat tax on eligible income and exemptions on foreign-source income for 10 years.

What is Lombard lending and how to use your portfolio as collateral?
Mortgages8 September 2026

What is Lombard lending and how to use your portfolio as collateral?

Lombard lending is a form of financing where a loan is granted using a client's liquid investment portfolio, such as stocks and bonds, as collateral, allowing access to liquidity without selling assets.

Lisbon vs Porto luxury property: investment comparison for 2026
Real Estate8 September 2026

Lisbon vs Porto luxury property: investment comparison for 2026

In 2026, Lisbon is Portugal's established prime property market for stable, blue-chip assets, while Porto offers higher rental yields and greater potential for capital growth from a lower price base.

Milan luxury property market: why it is surging ahead in 2026
Real Estate8 September 2026

Milan luxury property market: why it is surging ahead in 2026

Milan's luxury property market is experiencing a significant surge in 2026, driven by its growing status as a post-Brexit financial hub, attractive tax incentives, and massive Olympic investment.

Crypto-backed loans explained: borrow against Bitcoin without selling
Crypto8 September 2026

Crypto-backed loans explained: borrow against Bitcoin without selling

A crypto-backed loan allows you to use your digital assets, such as Bitcoin or Ethereum, as collateral to borrow fiat currency without having to sell your holdings and trigger a potential capital gains tax event.

How to finance a luxury property development in the UK
Development Finance8 September 2026

How to finance a luxury property development in the UK

Discover how to secure development finance for high-end UK property projects. Our expert guide covers funding sources, costs, and lender criteria for luxury developments.

How Ultra-High-Net-Worth Individuals Structure Their Borrowing
Finance8 September 2026

How Ultra-High-Net-Worth Individuals Structure Their Borrowing

UHNWIs structure borrowing by leveraging their entire balance sheet, using assets like investment portfolios and real estate as collateral for bespoke credit lines. This strategic approach, often facilitated by private banks, is used to fund new investments and manage liquidity without liquidating assets.

The Complete Guide to Expat Mortgages in the UK for 2026
Expat Mortgages8 September 2026

The Complete Guide to Expat Mortgages in the UK for 2026

An expat mortgage allows UK citizens and foreign nationals living abroad to buy or remortgage property in the UK. Lenders assess applicants based on foreign income, credit history, and country of residence, often requiring specialist advice.

What is asset-backed lending and who qualifies?
Finance7 September 2026

What is asset-backed lending and who qualifies?

Asset-backed lending is a bespoke financing solution where a loan is secured against a high-value asset. It is primarily for HNW/UHNW individuals seeking liquidity without selling assets.

Lender Perspectives on Private Equity Loans: Founder vs Executive vs Investor
Finance25 August 2026

Lender Perspectives on Private Equity Loans: Founder vs Executive vs Investor

Explore how specialist lenders assess loan applications against private company shares based on four key borrower profiles: the founder, the senior executive, the smaller shareholder, and the family office.

Private Market Equity Lending: A Solution for the 'Asset-Rich, Liquidity-Constrained'
Finance25 August 2026

Private Market Equity Lending: A Solution for the 'Asset-Rich, Liquidity-Constrained'

An in-depth explanation of private market equity lending, exploring how it solves the 'asset-rich, liquidity-constrained' problem for founders, executives, and investors with significant wealth tied up in unlisted companies.

How do lenders assess complex income for large mortgages?
Mortgages25 August 2026

How do lenders assess complex income for large mortgages?

Lenders assess complex income for large mortgages through manual underwriting by specialist private banks, who analyse multiple streams like bonuses, commissions, retained profits, and vested RSUs over a 2-3 year period to establish a sustainable income figure.

What is the minimum income for a million pound mortgage?
Mortgages24 August 2026

What is the minimum income for a million pound mortgage?

The minimum income for a £1 million mortgage typically ranges from £167,000 to £225,000, but this depends entirely on the lender's criteria. While high street banks often use a rigid 4.5x income multiple, private banks assess a client's total wealth and offer more flexible, bespoke affordability models.

What is the High Net Worth exemption for mortgages?
Mortgages24 August 2026

What is the High Net Worth exemption for mortgages?

The High Net Worth (HNW) exemption allows UK lenders to bypass standard mortgage affordability rules for clients with an annual net income over £300,000 or net assets exceeding £3,000,000. This enables more flexible, bespoke lending solutions for individuals with complex financial profiles.

How much can you borrow for a large mortgage in 2026?
Mortgages24 August 2026

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

For high-net-worth individuals in 2026, borrowing capacity for a large mortgage is not limited by standard income multiples. Private banks assess total wealth, complex income, and future earnings to lend at multiples of 5.5x to 6x or higher.

How to Sell Your Wine Collection: Exchanges vs Auctions
Wine24 August 2026

How to Sell Your Wine Collection: Exchanges vs Auctions

Deciding how to sell your fine wine? Compare specialist wine exchanges like Liv-ex with traditional auction houses like Sotheby's to maximise returns and choose the right channel for your collection.

How Long Should You Hold Investment Wine?
Wine24 August 2026

How Long Should You Hold Investment Wine?

The optimal holding period for investment wine typically ranges from 5 to 20 years, balancing the wine's maturation curve against market dynamics and your personal financial strategy.

Why Professional UK Property Investors Are Buying as Amateurs Panic Sell in 2026
Real Estate21 August 2026

Why Professional UK Property Investors Are Buying as Amateurs Panic Sell in 2026

An analysis of the 2026 UK buy-to-let market, explaining why legislative and economic pressures are forcing amateur landlords to sell, creating a major buying opportunity for professional investors.