Large Mortgage
- No-Obligation Initial Consultation
- Specialist Mortgage Advice Tailored to You
- Access to a Wide Range of Lenders and Deals
Get in touch today for a free, no-pressure chat to see how we can support you in finding the right mortgage for your new home.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Buying a high-end property works much like purchasing any other home—except the stakes are higher. With larger loan amounts comes greater responsibility, and lenders typically assess high-value mortgage applications with more scrutiny.
As a general rule, any loan above £500,000 is considered a large mortgage. If you’re exploring this kind of borrowing, we’re here to guide you through it from start to finish.
Why Choose Us for Your Large Mortgage?
We have years of experience arranging large mortgages for clients with complex income and high-value property needs. We take a bespoke approach to every case, combining our in-depth market knowledge with access to exclusive deals from major and private banks.
From initial consultation to final offer, we tailor the entire process to your circumstances, ensuring the terms work for you—and that you’re confident in the offer before moving forward.
How Much Deposit Do I Need?
You’ll usually need a minimum of 10% deposit for a large mortgage, although this depends on your overall profile. In many cases, aiming for 15% or more can significantly improve your options and simplify the approval process.
Is It Harder to Get a Large Mortgage?
Yes, it can be slightly more challenging due to several factors:
Fewer lenders offer large mortgage loans, especially above £1 million
You may need a specialist or private lender
High-value mortgage products often come with complex structures
Lenders assess income, assets, and liabilities in greater detail
Your time constraints might make it hard to compare options independently
That’s exactly why working with an expert broker is so important—we handle all of that for you.
Why Do Large Mortgages Require More Care?
Large mortgages aren’t just bigger—they’re different in how they’re underwritten, structured, and approved. In many cases:
Your income may come from multiple sources, such as bonuses, dividends, or international earnings
Some lenders won’t go beyond a certain loan threshold, so knowing who to approach is critical
Many high-net-worth clients have unique financial arrangements, which require bespoke underwriting
It’s easy to lose out on favourable terms without guidance from someone who knows the market inside out
How We Support You
We take time to understand your financial position and long-term goals before recommending any product. We:
Work with high-street, specialist, and private banks
Package your application clearly and persuasively
Negotiate on your behalf to secure favourable rates and flexible terms
Provide discreet, expert support throughout the process
Get Expert Support for Your Large Mortgage
Whether you’re buying a luxury home, refinancing a high-value property, or building a portfolio, we can help you navigate the large mortgage market with confidence.
Book a strategy call today to discuss your goals and discover how we can secure the right mortgage for your needs.