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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

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  • Luxury Items
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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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What is asset-backed lending and who qualifies?
Finance22 July 2026

What is asset-backed lending and who qualifies?

Discover asset-backed lending, a bespoke finance solution for HNWIs. Learn how to leverage luxury assets like art, cars, and watches for liquidity without selling.

How to Finance a Luxury Property Development in the UK
Development Finance21 July 2026

How to Finance a Luxury Property Development in the UK

Financing a luxury UK property development requires a blend of senior debt, mezzanine finance, and developer equity from specialist lenders and private banks. Success hinges on a strong professional team, a viable scheme with a clear exit strategy, and a detailed financial proposal.

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Crypto-Backed Loans Explained: Borrow Against Bitcoin Without Selling
Crypto21 July 2026

Crypto-Backed Loans Explained: Borrow Against Bitcoin Without Selling

A crypto-backed loan allows you to borrow fiat currency against your Bitcoin or Ethereum, providing liquidity without needing to sell and trigger a tax event. Learn how these facilities work, the risks of margin calls, and how they can be used for property or investment.

Milan luxury property market: why it is surging ahead in 2026
Real Estate20 July 2026

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

Discover why Milan's prime real estate is booming in 2026. Our expert guide covers key districts, powerful tax incentives for foreign buyers, and the drivers behind its surge as a top European investment destination.

Italy flat tax for new residents: EUR 300k explained
Visas Residency20 July 2026

Italy flat tax for new residents: EUR 300k explained

Italy's special tax regime allows new residents to pay a fixed annual tax of €100,000 on all foreign-sourced income, offering significant tax efficiency and simplicity for up to 15 years.

Monaco residency and tax: the complete guide for UHNW individuals
Visas Residency20 July 2026

Monaco residency and tax: the complete guide for UHNW individuals

Discover the requirements for Monaco residency, its zero income tax benefits, and the application process. This expert guide for UHNW individuals covers everything from bank deposits to UK tax implications.

What is a green mortgage and how much can it save you?
Mortgages16 July 2026

What is a green mortgage and how much can it save you?

A green mortgage is a loan secured against an energy-efficient property, rewarding the borrower with a lower interest rate or cashback. Savings come from both the preferential mortgage terms and reduced household energy bills.

The Biggest Mistake Borrowers Make with Large Mortgages
Mortgages16 July 2026

The Biggest Mistake Borrowers Make with Large Mortgages

Discover the single biggest mistake HNW borrowers make with large mortgages. Learn how a messy credit footprint can ruin your application and how to pre-screen lenders.

A Comprehensive Guide to Securing a Mortgage in Retirement
Mortgages14 July 2026

A Comprehensive Guide to Securing a Mortgage in Retirement

Discover how securing a mortgage in your 70s, 80s, or even 90s is achievable with specialist lenders. This guide explains how pension and investment income are used for affordability, the types of products available, and the strategic financial planning opportunities this unlocks.

How to Secure a Mortgage in Retirement in the UK (2026 Guide)
Mortgages14 July 2026

How to Secure a Mortgage in Retirement in the UK (2026 Guide)

Discover how to secure a mortgage in retirement in the UK. This comprehensive 2026 guide explains how specialist lenders assess pension and investment income, the age limits, and the types of products available up to age 95.

What are dry vs wet mortgage rates at private banks?
Mortgages13 July 2026

What are dry vs wet mortgage rates at private banks?

A 'dry' mortgage rate is a standalone loan priced without any requirement to transfer assets, while a 'wet' rate is a preferential, lower rate offered on the condition that the borrower places Assets Under Management (AUM) with the bank.

How long does a large mortgage application take?
Mortgages13 July 2026

How long does a large mortgage application take?

A large mortgage application (£1m+) typically takes 6 to 12 weeks, but complex cases involving international assets or trusts can extend to 4-6 months due to enhanced due diligence.

Source of Wealth vs Source of Funds: What Lenders Want to Know
Mortgages13 July 2026

Source of Wealth vs Source of Funds: What Lenders Want to Know

Understand the critical difference between Source of Wealth (SoW) and Source of Funds (SoF). Learn what evidence lenders require for large mortgage applications and why these AML checks are vital.

How Do Lenders Assess Complex Income for Large Mortgages?
Mortgages10 July 2026

How Do Lenders Assess Complex Income for Large Mortgages?

Lenders, particularly private banks and specialist financiers, assess complex income for large mortgages through manual underwriting, taking a holistic view of an applicant's total wealth including retained profits, bonuses, RSUs, and investment income, rather than relying on automated calculations.

What is the High Net Worth exemption for mortgages?
Mortgages7 July 2026

What is the High Net Worth exemption for mortgages?

The High Net Worth (HNW) mortgage exemption is an FCA provision allowing lenders to use flexible affordability criteria for borrowers with an annual net income over £300,000 or net assets over £3,000,000.

How much can you borrow for a large mortgage in 2026?
Mortgages7 July 2026

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

For a large mortgage of £1 million or more in 2026, high-net-worth (HNW) individuals can typically borrow between 5 to 6.5 times their annual income through private banks who assess total wealth, not just salary.

What is Ferrari Classiche certification and why does it matter?
Cars7 July 2026

What is Ferrari Classiche certification and why does it matter?

Discover what Ferrari Classiche certification entails, the process involved, and why the coveted 'Red Book' is essential for verifying authenticity, enhancing value, and preserving the heritage of a classic Ferrari.

How to sell your wine collection: exchanges vs auctions
Wine6 July 2026

How to sell your wine collection: exchanges vs auctions

Expert guide comparing fine wine exchanges like Liv-ex and traditional auctions for selling your collection. Understand the differences in fees, speed, and pricing to maximise your return.

How much can you borrow for a large mortgage in 2026?
Mortgages6 July 2026

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

In 2026, high-net-worth individuals can borrow significantly more for a large mortgage than standard income multiples suggest. Private banks assess total wealth, offering multiples of 5.5x, 6x or higher on complex global incomes, unlocking multi-million-pound financing.

How long should you hold investment wine?
Wine6 July 2026

How long should you hold investment wine?

The optimal holding period for investment-grade wine is typically between 5 and 20 years, varying by region and vintage to maximise appreciation as scarcity increases.

What is the big three of wine investment: Bordeaux, Burgundy, Champagne
Wine6 July 2026

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

The "big three" of wine investment refers to Bordeaux, Burgundy, and Champagne, the three French regions that have historically dominated the fine wine market due to their consistent quality, established secondary market, and long-term price appreciation potential.

What is en primeur wine buying and is it worth it?
Wine2 July 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 in the barrel, years before it is bottled. This guide explores whether it's a worthwhile strategy for collectors and investors in 2026.

Why is fine wine considered a recession-proof investment?
Wine1 July 2026

Why is fine wine considered a recession-proof investment?

Fine wine is considered a recession-proof investment due to its tangible nature, inelastic demand from global high-net-worth consumers, a finite supply that decreases as it's consumed, and a historically low correlation with traditional financial markets.

How to buy off-market hypercars and collector vehicles
Cars1 July 2026

How to buy off-market hypercars and collector vehicles

Discover how to access and purchase exclusive off-market hypercars and collector vehicles. Learn the role of specialist brokers, due diligence, and financing.