Large &
High Net Worth Mortgages
Tailored mortgage solutions for £1M+ property loans, non-standard incomes, and high-net-worth individuals. 25+ years' experience working with over 300 lenders, including private banks, to secure the best terms for your unique situation.
What is a large mortgage?
At Private Finance, we define large mortgages as loans exceeding £1,000,000 - the threshold at which private banks often open their doors and offer more flexible lending criteria. For high-net-worth individuals, this can mean relaxed affordability rules, access to exclusive rates, and more bespoke underwriting compared to standard high-street mortgages.
Speak with a mortgage specialist
Complete our short form and we’ll match you with the mortgage consultant best suited to your situation.
We will explain your options clearly and help you move forward with confidence.
Your first consultation is free, with no obligation to continue.
Specialist mortgage solutions for…
Clients with non-standard income
Specialist large mortgage solutions for complex income profiles
Many high-value property buyers don’t have straightforward PAYE income. Your earnings might come from bonuses, dividends, carried interest, onshore or offshore trusts, personal pensions, or multiple sources across different countries.
Most high-street banks struggle to assess these cases accurately, often underestimating what you can afford.
As one of the UK’s top large-mortgage brokers, we know which lenders take a more sophisticated view of your income - including private banks and specialist lenders who can consider your full earning potential, not just your basic salary.
Our team builds a compelling case for your mortgage, using our whole of market access to match you with the best large mortgage deals for your profile.
Interest-only large mortgages
Flexible, strategic borrowing for high value property purchases
Interest-only mortgages are particularly attractive for high net worth individuals who want to maximise cash flow, invest capital elsewhere, or plan to repay the loan from future liquidity events such as bonuses, business sales, or inheritance.
Our consultants design bespoke interest only mortgage solutions that balance lender criteria with your long-term financial plan - ensuring you retain flexibility while keeping monthly payments low.
Whether you need a £1M interest only mortgage or a significantly larger facility, we’ll source the best interest only rates available on the market, including from private banks that offer tailored repayment options.
Haven’t found the right solution elsewhere?
Why not speak with us directly and get the answers you need tailored exactly to your situation.
Our expert mortgage brokers will explain your options clearly and help you move forward with confidence.
Your first consultation is free, with no obligation to continue.
Large buy-to-let mortgages
Specialist expertise for high value rental portfolios
When it comes to buy-to-let mortgages over £1M, lenders use different affordability models and stress tests. Some take a more holistic view, considering your net worth, personal income, and ability to service payments during void periods, rather than simply relying on rental yield.
Our team works with top buy to let lenders who offer favourable terms for large loans and understand the needs of professional landlords and investors.
Whether you’re acquiring a single prime property or refinancing a portfolio, we can arrange market-leading large BTL mortgages with competitive rates and flexible structures.
Securities-backed lending
Unlock liquidity without selling your investments
For clients with significant assets but irregular or limited income, Lombard loans can be one of the best solutions. By using your investment portfolio, shares, or bonds as collateral, you can access funding at competitive rates while keeping your investments intact.
High net worth exemption mortgages
More flexible borrowing for qualifying HNW individuals
If you meet the FCA’s HNW criteria - £300,000+ annual income or £3M+ in net assets - you may qualify for a HNW exemption mortgage.
These allow lenders to relax affordability rules and take a more pragmatic approach, giving you greater borrowing power and access to exclusive large mortgage products.
We’ll identify the lenders offering the best large mortgage terms under this exemption and negotiate on your behalf to secure the most competitive structure.
Our proven process
Initial consultation, free & confidential
We understand your goals, income structure, and property plans. No obligation to continue.
Detailed review & strategy
Our specialists assess documents, assets, and options to build your mortgage strategy.
Whole-of-market search & negotiation
We approach the right lenders and negotiate the most competitive, tailored offers.
Completion & ongoing support
We guide you from application, valuation, and legal stages, through to completion.
The broker you've been looking for
Access to 300+ lenders
Ensures you get the most competitive large mortgage rates available
Expertise with complex cases
Ideal for entrepreneurs, business owners, and global income earners
Private bank relationships
Access to solutions unavailable on the open market
Transparent advice & support
Clear fees, full disclosure, and guidance at every stage
About Private Finance
We specialise in obtaining large mortgages and securing the best possible terms for clients who don’t fit within automated systems, need personal service and wish to deal with an expert who can save them time.
