Large mortgages and high net worth lending

A large mortgage, sometimes called a million-plus mortgage, is a loan size above the comfortable lending range of most high street banks and is usually arranged through private banks or specialist large loan lenders. Loan size thresholds vary by lender.

How to get a large mortgage depends less on headline income and more on how the overall financial position is presented. Lenders offering large mortgages will consider total remuneration, business ownership, investment portfolios, and existing property assets, and will structure the loan around the borrower’s liquidity and long-term plans, for example using interest-only with a sale or investment-based repayment strategy.

Large mortgage cases benefit from early preparation. Assembling evidence of income, assets, and source of wealth before approaching lenders shortens underwriting, supports stronger terms, and reduces the risk of a declined application affecting future approaches to other institutions.