Million Pound Mortgages
Million Pound Mortgages require specialist knowledge and access to private banks. Million Plus Private Finance arranges bespoke lending for high-net-worth clients, entrepreneurs, and international buyers. We provide tailored finance solutions for UK properties valued at £1 million and above, ensuring flexibility, speed, and discretion.
Why Choose Million Plus Private Finance For Your Million Pound Mortgage?
Securing a million-pound mortgage is often more complex than standard lending. Retail banks may not recognise bonuses, dividends, retained profits, or investment income. Million Plus Private Finance structures applications to reflect the full financial picture of high-net-worth clients. We arrange lending for primary residences, investment properties, and refinancing, considering multi-property portfolios, international assets, and flexible repayment options. Every mortgage is bespoke, ensuring private banks and specialist lenders assess your complete financial profile to provide optimal borrowing terms.
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Our mortgage services span everything from premium property finance to unique borrower needs, giving clients access to a complete range of solutions in one place.
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Share your details and our team will get back to you promptly by phone or email. Our senior advisers provide personalised advice, reviewing your financial profile to structure the most suitable lending strategy.
Million Plus Private Finance has decades of experience arranging million-pound mortgages. We work with an extensive network of private banks and specialist lenders, including long-standing relationships built over decades, to secure bespoke lending solutions. Our team structures complex income from bonuses, dividends, retained profits, or business revenue to maximise borrowing potential.
We handle multi-property portfolios and international assets, presenting each application to lenders with full transparency. Interest-only and hybrid repayment options are available, providing flexibility and liquidity for investment planning.
Clients benefit from a seamless process, with Million Plus Private Finance coordinating with legal teams, tax advisers, and underwriters. Every step, from application to completion, is managed with discretion and speed. Our approach ensures that million-pound mortgages align with broader financial strategies, whether purchasing prime London property, refinancing a portfolio, or acquiring international real estate.
case studies
Mortgage Closings
High-value property finance requires meticulous planning and expert knowledge. Million Plus Private Finance ensures every million-pound mortgage reflects the client’s total wealth and investment goals.
Our senior advisers assess complex income, for example combining dividend income with retained profits or business revenue, multiple property ownership, and offshore assets, structuring applications to maximise lender confidence. We maintain direct relationships with private banks and specialist lenders to negotiate competitive terms, flexible repayment options, and interest-only or hybrid structures tailored to client needs.
We monitor market conditions to provide real-time guidance on rates, lender appetite, and structuring opportunities. Documentation is prepared to ensure seamless submission to lenders, such as structuring lending across multiple properties or consolidating facilities within a single borrowing framework, reducing delays and ensuring optimal outcomes.
Clients benefit from discretion, speed, and tailored advice throughout the mortgage process.
Million Plus Private Finance provides high-net-worth clients with white-glove service, ensuring their million-pound mortgage aligns with both immediate liquidity needs and long-term financial strategies.
frequently asked questions
Mortgage Questions Answered
How do I get a million-pound mortgage with complex income?
Million Plus Private Finance presents your full financial profile to private banks and specialist lenders, including complex income sources such as bonuses, dividends, carried interest, retained profits, and investment income. We also consider multiple properties and offshore assets to provide a complete view of your financial standing. By structuring your application strategically, we ensure lenders fully understand your borrowing capacity, allowing access to higher loan amounts and competitive terms. Our senior advisers guide you step by step, preparing documentation, coordinating valuations, and ensuring your case is positioned for fast, discreet approval.
Typical LTV and deposit requirements?
Loan-to-value (LTV) ratios generally range from 60% to 75%, but for prime properties or when backed by strong financial profiles, some lenders may allow up to 85%. Deposits depend on the property type, lender policies, and the structure of your income. For complex income scenarios, Million Plus Private Finance works with lenders to optimise deposit requirements, potentially leveraging investment portfolios or securities to reduce upfront cash outlay while still accessing competitive rates and repayment terms tailored to ultra-high-net-worth clients and high-net-worth clients.
Can expats secure million-pound mortgages?
Yes, expatriates can secure high-value mortgages, but this requires careful planning. Million Plus Private Finance structures cross-border income, offshore holdings, and multi-currency earnings to meet lender requirements. We work with banks experienced in international lending, ensuring foreign salaries, dividends, or investments are presented in a way that maximises borrowing potential. Our team also advises on currency risk, tax considerations, and deposit strategies, so expat clients can confidently access high-value UK property finance without unnecessary delays or complications.
Are interest-only or hybrid mortgages available?
Yes, interest-only and hybrid mortgage structures are popular for clients with complex income. Interest-only options reduce monthly repayments while preserving capital for investment or liquidity purposes. Hybrid structures combine interest-only with partial capital repayment, offering flexibility and gradual debt reduction. Million Plus Private Finance advises clients on the most suitable structure based on income patterns, investment plans, and cashflow needs, negotiating with private banks and specialist lenders to implement tailored solutions that align with long-term wealth management strategies.
How long does a million pound mortgage take to arrange?
The timeframe for arranging a million pound mortgage depends on the complexity of the application, property type, and lender requirements. In straightforward cases with complete documentation, private bank or specialist lender approvals can be achieved within four to six weeks. More complex scenarios involving international income, multi-property portfolios, or bespoke structuring may take longer due to enhanced underwriting and legal coordination. Million Plus Private Finance manages valuations, documentation, and lender communication to streamline the process and avoid unnecessary delays wherever possible.
Current rates for million-pound mortgages?
Rates depend on the lender, property type, and your overall financial profile. Private banks often provide more competitive terms than retail lenders, especially for clients with complex income or multiple assets. Million Plus Private Clients monitors market conditions daily, including Bank of England base rates and SONIA swaps, to secure the best available deals. We leverage relationships with specialist lenders to negotiate personalised terms, ensuring rates reflect both your unique profile and the broader property market conditions.
How is complex income handled?
Income from bonuses, dividends, retained profits, investment portfolios, or carried interest is carefully structured to demonstrate affordability to lenders. Million Plus Private Finance presents these sources clearly and strategically, often combining multiple streams to maximise borrowing potential. For clients with multi-property holdings, equity release and refinancing strategies may also be applied to optimise overall loan capacity. By structuring applications in this way, we ensure lenders fully appreciate the client’s financial strength, enabling access to higher-value mortgages with more flexible repayment options and competitive interest rates.
What is the typical interest on a 1 million pound mortgage?
The interest on a 1 million pound mortgage depends on factors such as loan-to-value, property type, and the borrower’s overall financial profile. High-net-worth clients often benefit from more competitive pricing through private banks and specialist lenders, where rates are assessed using total net worth and asset backing rather than standard income multiples.
Is interest on a 1 million pound mortgage lower with private banks?
In many cases, interest on a 1 million pound mortgage is lower when arranged through private banks. These lenders apply bespoke pricing models that reflect wider assets, liquidity, and long-term banking relationships, often resulting in more favourable terms than standard high street lending.
Can interest on a 1 million pound mortgage be structured as interest-only?
Yes. Interest-only structures are commonly used for high-value borrowing. An interest-only 1 million pound mortgage reduces monthly repayments while preserving capital for investment or business use. Lenders typically require a clear repayment strategy, such as refinancing, asset sale, or investment maturity.
Can interest on a 1 million pound mortgage be fixed?
Yes. Interest on a 1 million pound mortgage can be fixed, variable, or structured as a hybrid arrangement. Fixing the rate provides certainty and protection against market fluctuations, particularly for long-term property ownership. Private banks often offer flexible fixed-rate periods tailored to high-value lending requirements.
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From prime London residences to complex international property purchases, Million Plus Private Finance structures million pound mortgage solutions designed around the realities of high-net-worth wealth. Through long-standing private bank relationships and specialist lender access, we arrange bespoke mortgage facilities that reflect total net worth, complex income, and long-term financial strategy.
Every solution is tailored for discretion, flexibility, and scale, ensuring your mortgage supports not just the property purchase, but your wider investment and liquidity objectives.
