Private Finance Office
Bespoke private finance for high-value property, luxury assets, and complex mortgages, structured for high-net-worth individuals worldwide.
Tailored Finance Solutions
Million Plus Private Finance delivers specialist mortgages and asset funding for HNW and UHNW clients worldwide, offering discreet, fast and competitive solutions for complex, multi-jurisdictional deals.
Trusted Finance
Expertise
200+
Global Lenders
£4.2 Billion+
Assets Financed
40 Years
ExperienceHow it Works
Confidential Enquiry
Share your requirements securely.
Tailored Proposal
We design a bespoke funding plan.
Securing Terms
We secure the best approval.
Completion
Funds arranged and finalised.
case studies
Insights
Lending Specialist
Paul Welch, founder of Million Plus Private Finance, is a leading expert in bespoke funding for high-net-worth clients. With 30+ years’ experience, he secures creative solutions and exclusive terms for exceptional properties and luxury assets.
frequently asked questions
Finance Questions Answered
What is a high-net-worth or ultra-high-net-worth mortgage?
A high-net-worth (HNW) or ultra-high-net-worth (UHNW) mortgage is a bespoke property loan designed for individuals with significant wealth or complex financial circumstances. Typically, lenders consider someone HNW if they have annual income above £300,000 or liquid assets exceeding £3 million, although criteria vary by lender.
These mortgages often exceed £1 million and allow lenders to assess your overall financial position rather than just your salary. This may include evaluating multiple income sources such as dividends, trust income, or investment returns, and offering flexible repayment terms.
Due to their complexity, HNW and UHNW mortgages are usually arranged through private banks and specialist lenders rather than high street providers.
How big a mortgage can I get for a multi-million-pound property?
The size of mortgage you can secure for a high value home depends on your income, assets, credit profile, and the property itself. For ultra-high-net-worth clients, affordability is often assessed holistically where lenders will consider your total wealth, liquidity, and asset base, not just income multiples.
While some lenders may offer 4 to 5.5 times verified income, others use asset backed lending structures, reviewing your investment portfolios, property holdings, or trusts. Loan to value (LTV) ratios typically range between 70% and 85%, depending on the lender and the strength of your financial profile.
In exceptional cases, where collateral and liquidity are strong, bespoke lenders may extend terms further. A tailored approach ensures the mortgage aligns with your wealth strategy and overall risk profile.
How do lenders assess complex or non-standard income and assets?
High-net-worth mortgage underwriting is far more flexible than standard retail lending. Instead of relying solely on salary slips or PAYE income, lenders may consider:
- Dividend or investment income
- Retained business profits
- Trust distributions
- Rental income from property portfolios
- Director or shareholder income
- Capital gains or realised assets
Lenders will typically average these earnings over several years and apply stress tests to account for fluctuations. They also evaluate your total balance sheet including investments, liabilities, and liquidity to determine borrowing capacity.
Transparent, well documented financial records help lenders build confidence and structure bespoke solutions tailored to your overall wealth profile.
Can I borrow through a company, SPV, or trust structure?
Yes. Many high-net-worth individuals acquire and hold property through Special Purpose Vehicles (SPVs), companies, or trusts for tax efficiency, estate planning, or asset protection. Private banks and specialist lenders are familiar with these structures and can provide tailored finance accordingly.
However, lending through such entities involves additional due diligence. Lenders will typically review:
- The ownership and control structure
- Financial statements of the entity
- Governance and beneficial ownership
- Tax and regulatory considerations
- Any guarantees or cross-charges required
Some lenders may request personal guarantees from directors or trustees. With the right structure, documentation, and professional advice, securing property finance via an SPV or trust is entirely achievable.
Why do interest rates on million pound or bespoke mortgages fluctuate, and how are they set?
Interest rates for large or bespoke mortgages are influenced by a range of factors beyond standard retail lending. Key drivers include:
- Bank of England base rate movements
- SONIA swap rates and bond yields
- Lender funding costs and liquidity
- Credit risk margins and loan complexity
- Property type, location, and term length
These loans are individually structured and often substantial, pricing can vary depending on risk appetite, loan size, and funding source.
At Million Plus Private Finance, we monitor market trends and swap curve movements closely, helping clients decide when to fix or hedge rates to suit their goals and transaction timelines.
Private Office Experts
Paul Welch
CEO & Founder
Sahar Khalil
Sales & Marketing Director
Claire Martin
Senior Executive Assistant
Client Testimonials
Exceptional From Start to Finish
Absolutely brilliant from start to finish. Exceptional expertise in complex, non-standard cases. I could not recommend them more highly.
Made a Stressful Purchase Feel Simple
They made securing my dream holiday home seamless. In a challenging market, their mortgage expertise removed stress and delivered results beyond expectation.
Reliable and Highly Responsive
Outstanding, client-focused service throughout. Communication was clear, proactive, and efficient. I would confidently use them again for any mortgage requirement.
Finance Without Limits
From prime properties to luxury assets, we secure tailored solutions beyond the high street.
