High Value Mortgages for Larger Loans and Complex Finances
When your property, income or assets go beyond what a standard mortgage process is built for, you need a broker who can look at the whole picture. We arrange high value and high net worth mortgages with lenders who take a more considered, individual approach.
Why Larger Loans Need a Different Approach
High street lenders are built for volume. Their automated systems work well for straightforward applications, but they often struggle with larger loans and more complex finances. Many apply caps on the maximum loan, reduce loan to value limits as borrowing increases, or simply cannot accommodate income that comes from several sources.
That can be frustrating for clients who are, by any reasonable measure, financially strong. Common challenges include:
- Income made up of bonuses, carried interest, dividends, rental profits or overseas earnings
- Significant wealth held in investments, business interests or property rather than salary
- Properties of unusual type, size or value
- Clients with multiple properties, including homes abroad
- Tight timescales on competitive purchases
Private banks and specialist lenders take a manual underwriting approach instead. They look at your overall financial position, including assets, future earnings and wider relationship, and can structure lending accordingly.
Flexibility for Clients With Significant Income or Assets
Under FCA rules, borrowers with a net income of at least £300,000, or net assets of at least £3 million, may qualify as high net worth mortgage customers. This can give lenders greater flexibility on affordability assessments and loan structure. [CONFIRM CURRENT THRESHOLDS AT TIME OF PUBLISHING.]
Even if you do not meet these thresholds, many specialist lenders will consider tailored lending for larger loans, often with options such as:
- Interest only or part and part repayment, backed by investments or other assets
- Lending against a combination of income and assets
- Longer terms and flexible repayment arrangements
- Multi-currency income assessment
- Lending to trusts, partnerships or other structures
Private banks may expect you to place some savings or investments with them as part of the relationship. We will explain any such expectations clearly and compare them with alternatives that do not.
Complex Income, Properly Understood
High value applications succeed or fail on presentation. Underwriters need to understand how your income is generated, how sustainable it is and how it is evidenced. That is a natural strength for a broker whose sister company is an accountancy practice.
We can interpret partnership accounts, company structures, dividend histories and investment statements, and translate them into a clear, well-supported case for the lender. With your permission, we work directly with your accountant, wealth manager or solicitor to gather what is needed with minimum disruption to you.
Discretion matters too. Your adviser will handle your case personally from start to finish, and your information is treated with complete confidentiality.
A Personal, Responsive Service
High value purchases often move quickly and involve multiple parties. We aim to be responsive and proactive: arranging early conversations with suitable lenders, obtaining indicative terms before you commit, and coordinating valuation and legal work so completion is not delayed.
Where speed matters, for example on a competitive purchase or a property bought before an existing home is sold, we can also explore short-term bridging finance alongside your long-term mortgage, so you are not forced to choose between the right property and the right timing. Once your purchase completes, we stay in touch and review your borrowing as your income, assets and plans evolve.
We also advise on protecting your position, including life insurance and income protection appropriate to larger borrowing, so your family and your property are properly safeguarded.
Frequently Asked Questions
What counts as a high value mortgage?
There is no fixed definition, but loans above around £1 million, or properties above £2 million, often benefit from specialist or private bank lenders.
Do I need to move my banking to a private bank?
Not always. Some private banks expect a wider relationship, but many specialist lenders do not. We will compare both.
Can you help with overseas income?
Yes. Some lenders accept income in foreign currencies, although they may apply adjustments for currency risk.
Explore more of what we offer
Remortgages
Interest Only Mortgages
Homeowner Mortgages
Working With Us Remotely
Free initial consultation
A short call or video meeting to understand what you want to achieve and what your finances look like.
Online meetings
Talk to your adviser by video or phone at a time that suits you, including [EVENINGS / WEEKENDS, CONFIRM].
Secure document upload
Send payslips, bank statements and accounts through our encrypted portal the moment you have them.
Electronic ID verification
Confirm your identity online in minutes.
E-signatures
Sign your paperwork digitally, from your phone if you like.