Specialist

Million Pound Mortgage

Service for large mortgage loans

Million Pound Mortgage

Clifton private finance

We specialize in helping clients source large mortgages over £1 million pounds on residential and investment property transactions in the UK

For large mortgage loans we work with select high street and private banks that will look at your requirement on a bespoke basis.

We can offer you options providing:

  • Bespoke lending solutions from £1million
  • Large mortgage loans up to 95% LTV (Loan to value)
  • Uncomplicated approach to income & wealth
  • Large loan interest only mortgage options 
  • Lombard lending from £2m
  • Mortgages for residential and investment properties
  • Mortgage finance for landed estates
  • Borrowing into retirement options (including interest only)
  • Options for short term finance (bridging), buy to let, commercial and development
  • Mortgage solutions for complex income arrangements e.g. onshore and offshore trusts and property held in offshore companies
  • Solutions for HNW & UHNW individuals with no assets under management requirement
  • Offshore solutions for UK expats, non domiciled UK residents, UK residents earning in a foreign currency and foreign nationals
  • Independent service & expert advice

See our recent work in helping clients to find mortgage finance solutions 

2 Year Fixed

Up to £10 Million Semi Exclusive Deal!

1.21% APR

2 Year Fixed Rate

Subsequent rate 4.24%

APRC 4%*

Interest Only - Yes

Product Fee £995

£250 Cashback

As at 21 February 2020

5 Year Fixed

Up to £10 Million Semi Exclusive Deal!

1.49% APR

5 Year Fixed Rate

Subsequent rate 4.24%

APRC 3.3%*

Interest Only - Yes

Product Fee £995

As at 21 February 2020

10 Year Fixed

Up to £2 Million Semi Exclusive Deal!

2.19% APR

10 Year Fixed Rate

Subsequent Rate 4.99%

APRC 3.2%*

Interest Only - Yes

No Valuation Fee

Product Fee £999

As at 21 February 2020

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


The Million Plus Mortgage 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 for example 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 from an affordability perspective can easily afford to borrow at a high level.
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 which are 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 as a barrister or career legal professional which means we can often source lending solutions that are purely bespoke.

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 who took a positive view on the client's future earnings prospects in the legal profession.
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 on a rate of 2.09% and the balance at 2.59%.

Latest Case Studies

Call our large mortgage loan team on 0203 900 4322 to discuss your requirements or complete our enquiry form.
Recent

Property Finance Deals

£2.6M 100% LTV residential bridging loan secured against 3 properties
Area
Kent
Capital Raised
£2.6M
Fast UK Mortgage for home purchase for returning British expat and foreign national partner
Area
Bristol
Capital Raised
£980K
Complex tracker remortgage at 85 percent LTV for London professional couple
Area
London
Capital Raised
£1M
Fast and flexible 95% LTV mortgage for London law firm partner for modern Winchester residential home
Area
Winchester
Capital Raised
£1.28M
Saudi national UK BTL finance on 3 London apartments
Area
London
Capital Raised
£1.65M
£3.3M Remortgage of Large Multi-Unit Portfolio at Highest-Possible LTV
Area
Torquay
Capital Raised
£3.3M

More Opportunities »

Contact Us

£1 Million Pound Plus Mortgage Service

Specialist large mortgage service providing:

How do I secure a large mortgage over a million pounds?

Whether you are refinancing or buying a new property for residential or investment purposes, the criteria a lender will use will depend on a number of factors. 

If you have a standard employed income which supports repayments then that opens up a large range of lenders to choose from. More complex income e.g. where you are self employed or where income comes from more than one source e.g. foreign income may require a different approach.

Many lenders are comfortable structuring a large loan mortgage over £1 million where a high percentage of overall income is made up of bonus and dividends - lenders will typically look at your requirements on a case by case basis. As well as existing properties, other assets such as personal pensions and listed security investment portfolios can be taken into account when determining the level of finance you can access.

Contact us to discuss your requirements on 0203 900 4322 or complete the enquiry form above. 

Recent Case Studies & Editorial: 

£7.35 Million Buy To Let Portfolio Refinance »

Million Pound Mortgage With 5% Deposit For Law Firm Partner »

£3.5 Million Capital Raise Remortgage of 4 Houses In Notting Hill »

£1.7 Million Pound Mortgage Capital Raise To Finance Divorce Settlement »

How to get a million pound mortgage »

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Get in Touch

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