LARGE LOANS FROM £1 MILLION
Mortgages over £1 million, arranged properly.
High-value lending is decided by underwriters, not high-street calculators. We place large loans across private banks and specialist lenders — and model both so you can see the real cost.
- ✓£1m to £10m+
- ✓Private bank access
- ✓Interest-only & part-and-part
- ✓Asset-backed structures
Large mortgage (£1m+)
What are you looking to do?
Free 10 minute chat. Confidential, no obligation.
Takes about 60 seconds · 11 quick questions
Where we help
Large loans placed with the right lender first time.
Above £1 million the market changes — pricing, criteria and who actually makes the decision are all different.
- ✓Loans from £1m to £10m+ on main residences and second homes
- ✓Private banks, specialist lenders and mainstream high-value desks
- ✓Interest-only and part-and-part structures with a credible repayment plan
- ✓Asset-backed structures — lending against investments, property or other assets
- ✓Unusual security: large plots, annexes, high-value new builds, listed properties
- ✓Complex or international income handled alongside the loan size
Private bank or specialist lender?
We're independent of both. A specialist lender is usually faster and cheaper for a clean high-value case. A private bank earns its place when the case needs a human underwriter, assets under management can improve the rate, or the security is unusual — a large plot, an annexe, or a property that a standard valuer would struggle with.
We model both, show you the true cost over the fixed term rather than just the headline rate, and you decide.
Reviews
What our clients say
Five-star feedback from first-time buyers, home movers and remortgaging clients across the UK.
I can't recommend Ben highly enough! From our first meeting, he demonstrated incredible professionalism and expertise. Ben was always available to answer my questions, providing valuable insights that helped me make informed decisions. Thanks to Ben, I secured a fantastic mortgage that fits my needs perfectly.
We contacted Ben after a friend recommended him to us, and I'm glad we did. He found us the best mortgage deal, handled everything, and supported us throughout the entire process. He is highly knowledgeable and an expert — I will be sure to recommend Ben!
Our 2nd mortgage with Ben! He is absolutely incredible from start to finish — so knowledgeable, patient, and professional. He has never failed to get us the best possible mortgage, all in all my mortgage advisor for life!
FAQ
Quick answers.
Do I need a private bank for a £1m+ mortgage?+
Not always. Plenty of mainstream and specialist lenders will write large loans at competitive rates. A private bank makes sense when income is complex, assets are illiquid, or you want the relationship — we'll tell you honestly which route fits, and we can access both.
How much deposit do I need?+
Large loans are commonly available up to 85-90% loan-to-value, and higher LTVs are possible for certain professions. The best pricing usually sits at 60-75% LTV, so it's worth modelling a couple of deposit levels before you commit to an offer.
My income is bonus, RSU or self-employed. Does that work?+
Yes — this is the most common reason high-value cases get declined on the high street. Lenders differ enormously on how much bonus, commission, RSU vesting, LLP profit or retained company profit they'll count. Choosing the right lender first time is most of the job.
Can you handle interest-only or part-and-part?+
Yes. Interest-only is widely available on larger loans where there's a credible repayment strategy, and part-and-part is often the sweet spot for managing monthly cost without over-relying on future asset sales.
How quickly can this move?+
For a straightforward large loan an agreement in principle can be same-week. Complex cases take longer to underwrite, so we start assembling the paperwork on day one rather than waiting for the lender to ask.