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Large loan / Property
Services / Large Loans & High-Net-Worth
Underwrittenpersonally.
Large borrowing and complex wealth rarely fit a single income multiple. OMF brings income, assets, liabilities, structure and property into one discreet brief for specialist lenders and private banks.
Personalcase-led underwriting routes
Privateconversation and controlled detail
Wholebalance sheet considered
Start with the whole balance sheet
More assets.
More moving parts.
Salary may be only one part of the case. Bonus, dividends, carried interest, investments, property, business ownership, trusts or international structures can require a lender able to assess the borrower personally.
Who it’s for
- Borrowers seeking a substantial residential or investment mortgage.
- Asset-rich clients whose regular income does not describe overall capacity.
- Senior executives, founders and international families with layered income or ownership.
Large and nuanced cases
Beyond the
scorecard.
Into the
real case.
Three underwriting routes where context carries genuine weight.
Scale changes
Property, loan size, liquidity, income and longer-term plans presented for lenders comfortable with substantial cases.
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Assets / Income
Capacity beyond
the payslip.
Bonus, dividend, carried interest, investments and business ownership assessed alongside liabilities and liquidity.Explore complex income ↗
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International / Private bank
One brief.
Several jurisdictions.
International income, residency and ownership structures may call for private-bank or specialist underwriting.Explore international buyers ↗The private-client route
Four layers.
Handled discreetly.
OMF gives the relevant decision-makers a complete, controlled view of the case.
Define the transaction
Property, borrowing amount, timing, ownership and long-term purpose.
CLIENT / BRIEFMap income and assets
Show liquidity, investments, businesses, property, liabilities and income pattern.
WEALTH / MAPSpecialist or private bank
Compare institutions whose underwriting style fits the full case.
OMF / ACCESSNegotiate and progress
Coordinate evidence, valuation, underwriting and completion with discretion.
PRIVATE / CLOSELead with the objective
The structure
follows the client.
Borrowing scale is only one input. Liquidity, assets, income pattern, jurisdiction and future plans shape the route.
Availability and terms depend on lender appetite and full underwriting. Assets or status do not guarantee a mortgage offer, bespoke terms or private-bank acceptance.At a glance
The essentials,
held together.
- Common cases
- Large residential loans, investment property and complex refinance.
- What can be considered
- Income, liquidity, investments, businesses, property and liabilities.
- Potential routes
- Specialist lenders, private banks and case-led underwriting.
- Approach
- Discreet, evidence-led and without promises of acceptance or terms.
Large-loan questions
Questions?
Answered.
01How is a large mortgage assessed?
The lender may consider the property, income, assets, liabilities, liquidity, repayment strategy and wider relationship rather than relying on one standard calculation.
02Can assets help where income is irregular?
For suitable cases, some lenders may consider the wider asset and liquidity position, but their policy and required evidence vary.
03Does OMF guarantee access to a private bank?
No. OMF can assess and present suitable routes, but every institution decides whether to accept the client, property and proposed terms.
Complex case. Singular point of contact.
A larger loan,
or a wider picture?
Open a discreet conversation around the property, balance sheet and lender route—without reducing the case to one number.
Private first conversationWhole-case presentationSpecialist lender access
