Large Loans & High-Net-Worth

Large & High-Net-Worth Mortgages

Borrowing from £1 million, or with significant assets and complex income? We arrange bespoke lending through private banks and specialist lenders.

Speak to a specialist broker

£1m+: Large loans
Private: Bank access
FCA: Regulated

Our approach

Lending built around your whole picture

High-net-worth and large-loan mortgages don't fit the high street's automated affordability models. When borrowing runs into the millions, or income comes from bonuses, dividends, carried interest, RSUs or business equity, the right home for the case is usually a private bank or specialist lender that underwrites manually and looks at your whole financial picture.

We arrange large mortgages from £1 million upwards, including lending assessed against illiquid assets such as investment portfolios, private-equity holdings or property. We present your wider wealth and income to lenders who can offer bespoke terms — and negotiate on your behalf.

Large mortgages from £1 million upwards

Private-bank and specialist lender access

Lending against complex or illiquid assets

Bonus, dividend, carried-interest and RSU income

Multi-currency and international structures

Bespoke, manually underwritten terms

Who this service is for

Large Loan Borrowers

Financing a high-value home or portfolio with borrowing from £1 million upwards.

Asset-Rich Clients

Significant assets but irregular income — borrowing assessed against your wealth.

Complex Earners

Bonus, dividend, carried-interest or multi-currency income needing bespoke underwriting.

At a glance

The essentials

From £1m

Loan size

Up to ~80%

Typical LTV

Private banks & specialists

Lenders

Income or asset-backed

Basis

Large Loan & HNW Questions

Large mortgages generally start around £1m. High-net-worth lending is tailored to clients with significant income or assets, often arranged through private banks with bespoke underwriting.

Yes. Private banks can lend against illiquid assets such as business equity, investment portfolios or property, where standard high-street affordability rules would decline the case.

Typically up to around 75–80% for strong profiles, with select private banks going higher; very large loans (e.g. over £10m) are usually capped lower. Terms are negotiated case by case.

Yes. We maintain relationships with private banks and specialist lenders and present your wider financial picture to secure bespoke terms.

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Arranging a large or complex mortgage?

Speak to a specialist broker with private-bank relationships and large-loan experience.

Speak to a specialist broker