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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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© 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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Lisbon vs Porto luxury property: investment comparison for 2026
Real Estate4 June 2026

Lisbon vs Porto luxury property: investment comparison for 2026

Lisbon offers a mature, liquid luxury property market, while Porto presents higher growth potential and value. This analysis compares prime districts, yields, and taxes for UHNW investors considering Portugal in 2026.

Milan luxury property market: why it is surging ahead in 2026
Real Estate4 June 2026

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

Milan's luxury property market is surging in 2026, driven by post-Olympic investment, favourable tax regimes for foreign buyers, and its status as a global finance and fashion capital. Prime districts like Quadrilatero della Moda and Porta Nuova are seeing significant demand.

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How ultra-high-net-worth individuals structure their borrowing
Finance4 June 2026

How ultra-high-net-worth individuals structure their borrowing

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.

The complete guide to expat mortgages in the UK for 2026
Expat Mortgages4 June 2026

The complete guide to expat mortgages in the UK for 2026

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.

What is asset-backed lending and who qualifies?
Finance4 June 2026

What is asset-backed lending and who qualifies?

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.

Crypto-backed loans explained: borrow against Bitcoin without selling
Crypto2 June 2026

Crypto-backed loans explained: borrow against Bitcoin without selling

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.

Monaco residency and tax: the complete guide for UHNW individuals
Visas Residency2 June 2026

Monaco residency and tax: the complete guide for UHNW individuals

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.

Spain Beckham Law explained: the 24% flat tax for expats
Visas Residency1 June 2026

Spain Beckham Law explained: the 24% flat tax for expats

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.

What is a green mortgage and how much can it save you?
Mortgages28 May 2026

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

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 Biggest Mistake Borrowers Make with Large Mortgages
Mortgages28 May 2026

The Biggest Mistake Borrowers Make with Large Mortgages

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.

What is the stamp duty on a 2 million pound home in the UK?
Mortgages27 May 2026

What is the stamp duty on a 2 million pound home in the UK?

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.

How Large Bridging Loans Work for Buy Before You Sell
Mortgages26 May 2026

How Large Bridging Loans Work for Buy Before You Sell

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.

Source of Wealth vs Source of Funds: What Lenders Want to Know
Mortgages26 May 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) for large mortgage applications. Learn what documents lenders require to comply with AML regulations.

Can foreign nationals get large UK mortgages?
Mortgages26 May 2026

Can foreign nationals get large UK mortgages?

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.

How long does a large mortgage application take?
Mortgages26 May 2026

How long does a large mortgage application take?

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.

Why you need a specialist broker for a large mortgage
Mortgages26 May 2026

Why you need a specialist broker for a large mortgage

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.

How interest-only mortgages work for high value properties
Mortgages26 May 2026

How interest-only mortgages work for high value properties

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.

What are dry vs wet mortgage rates at private banks?
Mortgages26 May 2026

What are dry vs wet mortgage rates at private banks?

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.

Case Study: Securing a £1.8M UK Mortgage for a UAE-Based Executive
Expat Mortgages26 May 2026

Case Study: Securing a £1.8M UK Mortgage for a UAE-Based Executive

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.

How to Secure a UK Expat Mortgage in 2026: The Definitive Guide
Expat Mortgages26 May 2026

How to Secure a UK Expat Mortgage in 2026: The Definitive Guide

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.

Are jumbo mortgage rates higher than standard rates in 2026?
Mortgages26 May 2026

Are jumbo mortgage rates higher than standard rates in 2026?

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.

Should you choose a 2-year or 5-year fixed rate mortgage in 2026?
Mortgages26 May 2026

Should you choose a 2-year or 5-year fixed rate mortgage in 2026?

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.

How do lenders assess complex income for large mortgages?
Mortgages26 May 2026

How do lenders assess complex income for large mortgages?

Lenders assess complex income for large mortgages through manual underwriting, where specialists review an applicant's entire financial profile, including retained profits, bonuses, RSUs, and investment returns.

What is Lombard lending and how to use your portfolio as collateral?
Finance26 May 2026

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

Lombard lending allows you to secure a loan against your investment portfolio, providing access to significant liquidity without needing to sell assets and trigger capital gains tax. This is a flexible financing tool for HNW individuals to fund property, investments, or other large purchases.