UK Mortgages
Million Plus Private Finance arranges bespoke mortgages across the UK property market. From prime London residences to countryside estates, our advisers provide tailored solutions for high-net-worth clients, investors, and expats. We secure flexible lending, competitive terms, and private bank access for UK properties £1 million and above.
Why Choose Million Plus For Your UK Mortgage?
UK high-value mortgages differ from standard lending due to stricter affordability assessments and property valuations. Million Plus Private Finance works with private banks and specialist lenders to structure applications for high-net-worth clients. We consider complex income, multiple properties, and cross-border assets. Whether purchasing a primary residence, refinancing an estate, or investing in regional UK properties, our bespoke solutions ensure lenders view your full financial profile, maximising borrowing potential and providing flexible repayment options tailored to each client’s needs. Million Plus Private Finance acts as an adviser and arranger, not a lender, ensuring each mortgage is structured and presented to the most appropriate private banks or specialist lenders.
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Our mortgage calculator lets you estimate interest rates, repayments and borrowing costs. Built for high-value mortgages, it provides a clear view of premium property finance. Results are indicative and designed for high-value scenarios.
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Share your details and our team will contact you promptly by phone or email. Million Plus Private Finance advisers provide personalised guidance to structure UK mortgage applications for high-value properties.
Million Plus Private Finance specialises in UK mortgages for high-net-worth clients. Our team works with private banks and specialist lenders to ensure complex income, multi-property ownership, and international assets are taken into account.
This includes refinancing existing UK mortgages, releasing equity, and restructuring portfolios for improved liquidity.
Interest-only and hybrid repayment options are available to optimise cashflow and liquidity. We coordinate with legal teams, accountants, and valuation experts to ensure smooth, efficient applications. Clients benefit from a bespoke approach that balances discretion, speed, and tailored advice for both London and regional UK properties.
Whether acquiring prime central London residences, countryside estates, or multi-property portfolios, Million Plus Private Finance provides strategic guidance to maximise borrowing potential while aligning with long-term financial plans.
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Mortgage Closings
Securing high-value UK mortgages requires specialist knowledge of lender criteria, property valuations, and financial structuring. Million Plus Private Finance assesses all aspects of a client’s wealth, including income from bonuses, dividends, business profits, and international assets, to prepare compelling applications.
We maintain strong relationships with private banks and specialist lenders who understand the nuances of the UK market. Multi-property ownership, refinancing of existing portfolios, and interest-only or hybrid repayment structures are all arranged to maximise lending potential.
Regional UK properties often require tailored valuation approaches, while prime London properties may attract different lending criteria. Our team manages all documentation, lender negotiations, and coordination with tax or legal advisers to provide a seamless experience. Lenders assess affordability holistically, combining income sustainability, asset backing, and overall net worth rather than relying solely on salary multiples.
Clients benefit from a strategic, confidential, and efficient process. We monitor market conditions to advise on rates, lender appetite, and structuring opportunities. Every mortgage is tailored to align with the client’s broader financial goals, ensuring high-net-worth borrowers gain access to the best possible lending options for UK properties.
frequently asked questions
Mortgage Questions Answered
How do UK high-value mortgages differ from standard mortgages?
High-value UK mortgages are tailored for properties typically over £1 million and are designed for high-net-worth clients whose income or assets do not fit conventional lending models. Unlike standard mortgages, private banks and specialist lenders assess overall wealth, including investment portfolios, dividends, bonuses, and multi-property holdings. Million Plus Private Finance ensures applications reflect your full financial profile, presenting all income streams and assets strategically. This allows lenders to offer larger loan amounts, competitive interest rates, and flexible repayment options, which are not usually available from retail banks or high-street lenders.
Can I use complex income for a UK property mortgage?
Yes. High-net-worth clients often have income derived from multiple sources such as dividends, carried interest, bonuses, rental income, or business profits. Million Plus Private Finance structures these complex income streams in a way that meets lender requirements and maximises borrowing potential. We prepare detailed documentation and calculations to present a clear, credible profile to the lender. By leveraging complex income correctly, clients can secure higher loan-to-value ratios and more competitive rates than would be possible through traditional high-street mortgage applications.
What LTV and deposit is required for high-value UK properties?
Loan-to-value (LTV) ratios for UK high-value mortgages usually range between 60% and 75%, depending on property type, location, and the client’s financial profile. For prime London properties or strong financial profiles, in limited cases, some lenders may consider higher LTVs. Deposits vary according to these factors and can sometimes be optimised using assets under management, securities, or cross-collateralisation. Million Plus Private Finance advises clients on deposit structuring to balance upfront cash requirements with access to competitive interest rates, ensuring efficient and flexible funding.
How quickly can UK mortgages close?
With preparation and proper documentation, UK high-value mortgages can close significantly faster than standard retail mortgages. Million Plus coordinates directly with private banks, valuers, and legal teams to streamline the process. Depending on lender requirements and property complexity, approvals can often be achieved in a few weeks. Our team manages every step to ensure timely completion, while maintaining discretion and avoiding unnecessary delays, which is particularly important for competitive property transactions or time-sensitive investment opportunities.
London vs regional UK property lending considerations?
Lenders often apply stricter criteria for London properties due to higher values and market competition. Prime central London properties may require higher deposits, detailed income verification, and precise valuations. In contrast, regional UK properties can sometimes allow more flexible LTVs and deposit requirements. Million Plus Private Finance advises clients on the nuances of each market, ensuring applications are optimised to meet lender expectations, achieve the best possible rates, and secure loans efficiently, regardless of location.
How does multi-property financing and refinancing work?
Clients with multiple UK properties can structure lending across their portfolio to optimise borrowing capacity. Million Plus Private Finance evaluates existing equity, outstanding mortgages, and overall wealth to structure refinancing or additional loans efficiently. This may include combining property portfolios, releasing equity, or leveraging assets to maximise flexibility and access to funding. Our advisers ensure all lender criteria are met, repayment structures are suitable for complex holdings, and cross-property lending is presented clearly, enabling clients to expand or restructure their property investments effectively.
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From prime London homes to regional estates, Million Plus Private Finance arranges bespoke UK mortgages beyond high street limits. We provide private bank access, flexible terms, and tailored structuring for high-net-worth clients and investors.
