Specialist

Large Mortgage

Looking to remortgage or buy a new property?

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Large Mortgage

Clifton private finance

As a specialist broker we can help you source large mortgage loans from £500,000 on residential and buy to let property transactions in the UK

We work with select high street and private banks that will look at your requirement on a bespoke basis.

We can offer:

  • Bespoke lending solutions from £500,000 to £25m
  • Large mortgage loans - high loan to value up to 95% LTV
  • Uncomplicated approach to income & wealth
  • Large loan interest only mortgage options 
  • Mortgages for residential and investment properties
  • Options for short term finance (bridging), buy to let, commercial and development
  • Mortgage solutions for complex income arrangements e.g. onshore and offshore trusts
  • Investment mortgages for buy to letHMOMulti UnitAir BnBs and Portfolio landlord refinance
  • Solutions for UK expats (including seafarers), non-dom & foreign nationals buying or remortgaging UK property
  • Access to large loan teams at high street lenders, private banks & specialist lenders
  • Independent service & expert advice

2 Year Fixed

Up to £10m

2.20% APR

Fixed for 26 months

Subsequent rate 4.24%

LTV - 60%

APRC 3.9%*

Product Fee £995

Early Redemption Charges - Yes

Free valuation

As of 3rd May 2022

5 Year Fixed

Up to £2 Million

2.27% APR

5 Year Fixed (Remortgage)

Subsequent rate 4.24%

LTV - 75%

APRC 3.6%*

No Valuation Fee

Product Fee £995

Early Redemption Charges - Yes

As of 3rd May 2022

5 Year Fixed

Up to £10 Million

2.23% APR

5 Year Fixed (Green Remortgage)

Subsequent rate 4.24%

LTV - 60%

APRC 3.6%*

No Valuation Fee

Product Fee £995

Early Redemption Charges - Yes

As of 3rd May 2022

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.

*Overall Cost For Comparison

Call us on 0203 900 4322 to discuss your requirements or request a call-back at a time that suits you:
Recent

Property Finance Deals

Short Term Finance from Private Bank Secures £1.6m Colchester Home at Low Interest Rate
Short Term Finance from Private Bank Secures £1.6m Colchester Home at Low Interest Rate
Area
Colchester
Capital Raised
£800k
Large Mortgage for Business Owner with Complex Offshore Holding Company and Trust Structure
Large Mortgage for Business Owner with Complex Offshore Holding Company and Trust Structure
Area
Orpington
Capital Raised
£1.4m
Director Loan Used as Deposit for Large Self Employed Mortgage
Director's Loan Used as Deposit for Large Self Employed Mortgage
Area
London
Capital Raised
£1.6m
Quick Mortgage Arranged to Raise £1,286,250 For London Home Within Two Weeks of Making an Offer
Quick Mortgage Arranged to Raise £1.2m For London Home Within Two Weeks of Making an Offer
Area
London
Capital Raised
£1.29m
Bridging Loan Example: £2.85m Bridging Loan to Buy High Acreage Home Before Selling Existing Property
£2.85m Bridging Loan to Buy High Acreage Home Before Selling Existing Property
Area
Buckinghamshire
Capital Raised
£2.85m
Residential mortgage for £20m Surrey home owned via overseas company with complex self employed income
Residential mortgage for £20m Surrey home owned via overseas company with complex self employed income
Area
Surrey
Capital Raised
£13m

More Opportunities »

Contact Us

Large Mortgage Service

Specialist big mortgage service:

Our service provides creative solutions for large mortgage transactions. 
Call us on 0203 900 4322 to discuss your requirements or request a call-back at a time that suits you.

Book Consultation

The Challenge:
For larger loan requirements, when it comes to mortgages over £1 million, lenders will usually want to see a larger deposit.
Typically, many high street lenders will cap lending at 70% to 75% LTV (loan to value), e.g. on a central London property priced at £5 million as a borrower; you would be expected to deposit £1.25 million to progress the deal.
This can be a sticking point for clients who want to maintain cash liquidity but can easily afford to borrow at a high level from an affordability perspective.
The Solution:
The good news is that we work with lenders that take a more bespoke approach to mortgage lending.
Bespoke lending based on a more informed approach to a client’s circumstances means we can put in place lending solutions tailored to a client’s needs.
For example, many of our clients want to work on an interest-only basis.
Typical high street lenders will often have caps on how much can be borrowed on large loans over £1 million, restricting the interest only portion to anything from 50% to 75% LTV.
We work with banks that look at your full financial profile, which means we can often source purely bespoke lending solutions.

Recent Case:
We were able to secure a 95% LTV mortgage on a £1.9 million property.
In this case, we worked with a private bank that positively viewed the client's future earnings prospects.
With just a 5% deposit, the client borrowed £1.8 million with a blended rate on a 5 year fixed rate. £1 million was secured at a rate of 2.09% and the balance at 2.59%.

Clifton Private Finance Case Studies

Call us on +44 203 900 4322 to discuss your requirements or book an appointment using the link below.

Book Consultation

Recent Articles:

How To Get A Large Mortgage Loan »

 
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If you have any questions about our services or want to start making things happen please contact us