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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

  • Real Estate
  • Yachts
  • Jets
  • Cars
  • Luxury Items
  • Art
  • Premium Domains
  • Private Finance

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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.

AllReal EstateFinanceCase StudiesMortgagesJetsYachtsLifestyleCarsSuper YachtsAircraftArtWine
Art-backed lending: how to borrow against your collection
Art28 July 2026

Art-backed lending: how to borrow against your collection

Art-backed lending allows collectors to unlock the value of their art without selling. Discover how to secure a loan against your collection, understand the key terms like LTV and interest rates, and navigate the process with expert guidance.

Private jet finance: how to fund your first aircraft
Jets28 July 2026

Private jet finance: how to fund your first aircraft

Learn how to secure an aircraft loan to fund your first private jet. This guide covers loan types, lender criteria, typical costs, and the step-by-step financing process for UHNW buyers.

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Later Life Lending and Equity Release for High Value Homes
Mortgages28 July 2026

Later Life Lending and Equity Release for High Value Homes

A guide for UHNW homeowners on using later life lending and equity release for properties valued over £1m. Explore lifetime mortgages, strategic uses for IHT planning, and the specialist lenders involved.

Portfolio Landlord Mortgages: Financing Multiple Investment Properties
Mortgages28 July 2026

Portfolio Landlord Mortgages: Financing Multiple Investment Properties

A portfolio landlord mortgage is a specialised finance product for investors with four or more mortgaged properties. This guide covers lending criteria, SPV structures, and strategies for financing a property portfolio in 2026.

Classic car finance: funding collector and vintage vehicles
Cars28 July 2026

Classic car finance: funding collector and vintage vehicles

Discover how specialist classic car finance enables the acquisition of high-value collector vehicles. Learn about loan types, lender criteria, and integrating automotive assets into your wealth strategy.

How to finance a superyacht: loan structures and lender options
Yachts28 July 2026

How to finance a superyacht: loan structures and lender options

Financing a superyacht is a strategic decision for UHNWIs, involving specialised marine mortgages or asset-backed loans from private banks and specialist lenders.

How to Insure a High Net Worth Property Portfolio
Insurance27 July 2026

How to Insure a High Net Worth Property Portfolio

Insuring a high net worth property portfolio requires a specialist, bespoke insurance policy that consolidates cover for all properties under a single arrangement, offering higher limits, broader cover, and a dedicated service that standard insurers cannot provide.

How Ultra-High-Net-Worth Individuals Structure Their Borrowing
Finance22 July 2026

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

Ultra-high-net-worth individuals use borrowing not just for acquisitions but as a strategic tool for wealth enhancement, liquidity, and tax efficiency. They leverage complex assets and investment portfolios through private banks to secure preferential, bespoke lending terms.

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.

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.