4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
Specialist Finance for High-Value Properties
Rated 4.97 out of 5 from 2,400+ reviews
Million pound mortgages (£1,000,000+) often need specialist advice, as lenders assess more than basic income multiples—especially for complex income, expats, foreign nationals, or high-value property types.
Navigating the market for million-pound mortgages requires specialist knowledge and experience. High-value mortgages often involve complex financial structures, non-standard income, or multiple stakeholders, making professional guidance essential.
At Private Finance, our consultants provide:
We typically work with entrepreneurs, professionals, and families purchasing prime and super-prime homes who value a discreet, efficient, and highly personalised service.
We provide tailored advice across a range of high-value residential lending needs:
If your income is drawn from dividends, carried interest, or overseas sources, we can place your case with lenders who evaluate your broader earnings picture—not just standard payslips.
For clients aiming to preserve liquidity or structure borrowing efficiently, we arrange interest-only and part-interest-only (hybrid) mortgages through private banks and specialist lenders.
Private banks may offer competitive pricing and bespoke terms for £1m+ borrowing, particularly when overall wealth exceeds £3m or annual income is £300k+.
If you have significant equity in a prime property, a remortgage can be used to raise capital for investments, business opportunities, or further property purchases.
This allows for greater flexibility, but success depends on how your case is presented. As experienced advisers, we ensure your application is structured, documented, and introduced in a way that the most suitable lenders will require.
Private Bank mortgages offer bespoke solutions for high-value clients, providing tailored underwriting and flexible lending options. Access is often via broker introduction, ensuring your case reaches appropriate decision-makers.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages.
Loan Size
£1,000,000+
Lenders
Private banks, specialist lenders, high-street lenders
Loan Types
Interest-only, repayment, buy-to-let, residential
Flexibility
Tailored to HNW or UHNW financial profiles
Application
Requires detailed financial documentation, often coordinated with wealth advisers
With over 26 years of experience arranging high-value mortgages, Private Finance delivers:
Our consultants help ensure that your £1m+ mortgage application is structured to maximise approval chances while achieving your financial and property objectives.
Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.
A million pound mortgage usually means borrowing £1,000,000+ for residential property finance. It may be used for purchasing or refinancing high-value homes in prime markets such as London, the South East, and top regional locations.
At £1m+, outcomes often depend on how your case is positioned—income presentation, asset structure, and lender selection. A specialist can access private banks and niche lenders, negotiate bespoke terms, and manage the process discreetly from strategy to completion.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
Residential Mortgages
Specialist Mortgages
Buy to Let Mortgages
Mortgages by Profession