Large Mortgage Calculator

As an experienced whole-of-market mortgage broker, Clifton Private Finance specialises in facilitating bespoke lending solutions from £500,000 up to £25 million.

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 and offset mortgages
• 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 let, HMO, Multi Unit, Air 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

Large Mortgage Calculator

How to use the calculator

Input the loan amount

You can borrow from £500,000 up to £25 million. Keep in mind the higher your loan to value, the higher the interest rate is likely to be.

 Select the length term 

Choose between 10 and 40 years. The longer the term, the lower your monthly repayments will be, but the more interest you'll pay overall.

Estimate your interest rate.

Rates cary from case to case, but take a look at our current rates table below for some estimated figures.

After inputting the above variables, our calculator provides an estimate of the monthly repayments. This breakdown shows how much goes towards paying off interest vs capital.

Large Mortgage Rates

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

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What is a Large Mortgage Calculator?

A large mortgage calculator shows the potential monthly cost based on these variables. It can be a useful tool that allows you to estimate the monthly repayments on loans over £500,000.

This provides a rough estimate of affordability, enabling informed comparisons between different mortgage amounts, terms and rates.

What Are Large Mortgages Used For?

These substantial mortgages provide the capital needed to purchase high-value residential property, expand rental portfolios or access equity in other ways. Large mortgages are secured against your asset, similar to standard mortgages. The key difference is the more significant loan amounts advanced.

Potential uses include:

• Purchasing homes over £1 million
• Property investment and development
• Consolidating debts
• Lifestyle expenses
• Business needs

With flexible criteria spanning income sources, credit profiles and property types, our expertise helps high net worth individuals secure the lending required.

Loans over half a million pounds demand greater understanding across rates, repayment options and affordability considerations too.

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Bespoke Lending Beyond High Street Banks

While calculator estimates act as a useful guide, the actual rates and products we can facilitate may differ depending on your circumstances.

Unlike high street banks which take a "one-size-fits-all" approach, at Clifton Private Finance we recognise every client and property is different.

Through our network of specialist lenders, we leverage our expertise to source bespoke lending beyond what you may be offered elsewhere.

Potential solutions include:

• Loans from £500k up to £25 million
• High LTV ratios - up to 95%
• Flexibility on debt-to-income ratios
• Interest-only and offset options
• Complex income like trusts and assets
• Expats, non-doms and foreign nationals
• Limited company directors
• Portfolio landlords and HMOs

The depth of understanding across private banking enables us to structure facilities around your individual needs. We realise life rarely fits neatly inside a tick-box, which is why our switched-on team offers a personalised approach focused on your aspirations.

Whatever your circumstances, we identify lenders who'll recognise your situation on its own merit rather than focusing solely on stringent criteria.

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Costs and Acceptance Rates for Large Mortgages

When looking to secure a mortgage over half a million pounds, you'll naturally have questions around costs and acceptance rates.

The interest rate available depends on several factors like the amount required, property value and profile of the applicant.

Acceptance rates vary by lender, ranging between 50-75% across our panel.

The reason some cases fall outside these parameters is often due to niche circumstances that don't fit standard lending models. However with our relatioships with lenders that employ manual underwriting, we're able to have many of these applications approved through exceptions and bespoke decisions beyond what traditional channels offer. 

Understanding Large Mortgages

When looking to borrow over half a million pounds, it's important to understand features and terminology around these substantial loans.

• Loan-to-Value (LTV) Ratio: This indicates how much of the property's value is being borrowed. For example on a £750k house, a £500k loan = 67% LTV.

• Debt-to-Income Ratio: A measure of total debt commitments against gross annual income. This aims to quantify surplus income after existing payments, to gauge affordability capacity for new loans.

How is a Large Mortgage Loan Size Determined?

When applying for a residential or buy-to-let mortgage over £500,000, the loan amount offered depends on several key factors. Here’s a brief run-down:

• Income and assets: higher net worth individuals can access more substantial sums. Complex income sources are considered too.
• Existing portfolio and liabilities: your overall exposure, performance history and headroom for new lending plays a role.
• Property equity and LTV: Higher LTV loans above 75% are available but mean elevated interest rates.
• Credit profile: Encompasses personal and company credit reports, defaults, CCJs etc.

Using a Large Mortgage Broker

When seeking bespoke lending solutions, the expertise of a whole-of-market broker adds substantial value.

Seasoned advisers comprehend specific lender appetites across niche areas like complex income streams, overseas buyers and portfolio landlords - identifying suitable options.

We simplify the process for you, liaising with lenders, navigating documentation and managing expectations throughout. This saves considerable time understanding criteria and contrasting 20+ products yourself.

Our independent position means we source mortgages based on your needs, not sales targets or restricted panels. And access to exclusive deals delivers highly agreeable terms unavailable going direct.

Securing finance over half a million requires understanding and expertise. Our large mortgage calculator and specialist services empower you to make informed decisions and obtain the funding required.

To discuss your specific situation or request a call-back, please get in touch today at 0203 900 4322

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FAQs

What criteria do lenders use to assess affordability?

Key factors include income sources, existing liabilities, and credit profile and property portfolio. With bespoke lending, more considerations come into play than standard models.

How long does it take to get a large mortgage approved?

Approval times range between 1-6 weeks depending on complexity. We leverage our expertise to progress applications efficiently while managing expectations.

Can expats and foreign nationals get large UK mortgages?

Yes, we have specialist lenders able to provide Pounds Sterling mortgages to overseas residents buying or remortgaging property in the UK. Subject to status.