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“Private Finance provided excellent service securing a remortgage for my property even though it was not a straight forward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”
“Private Finance worked incredibly hard to secure our business re-mortgage. They were always calm, professional, polite and ready to wade in on our behalf when things stalled. We would happily recommend them, and look forward to maintaining our relationship. Many thanks!”
“Outstanding services in our mortgage search, during a weird environment of fast-changing market conditions. The team has always been super responsive, very clear in their replies to all questions we had along the process, and managed to get us extremely good deals on various mortgage products. I can only strongly recommend them for your mortgage search!!”
“Private Finance provided excellent service securing a remortgage for my property even though it was not a straightforward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”
“Professional and proactive advice and service – secured me an amazing rate on my mortgage. The team were great with their communication and I always felt confident that things were progressing – completely took away any anxiety from a stressful process!”
“Private Finance have been fantastic in finding me the right provider and the right price. We have used them twice now, and both times the communication was fantastic, the options explained, and the rest of the paperwork dealt with. Would highly recommend.”
As a specialist large loan mortgage broker, we have the expertise, the experience, and the industry relationships to tailor the right mortgage solution for you.
Here are some of the reasons why our clients trust us with their large mortgage needs:
We’re an independent, whole-of-market broker, with strong ties to both High-street and Private Banks, as well as specialist lenders too. These relationships allow us to negotiate bespoke, ‘outside-the-box’ solutions for our clients.
With an average rating of 4.97/5 from more than 1,800 reviews, we offer a peerless client experience. We’ll insulate you from the stress of the mortgage process, so that you can stay focussed on your day-to-day priorities.
We believe in holistic mortgage advice that not only considers your personal and financial situation but also the broader financial markets. To achieve this, we partner with wealth advisers and accountants to draw on their expertise when needed.
The definition of a large mortgage loan varies between clients and lenders. While one lender may consider £20 million as large, for another it could be £500,000.
As a firm, we consider loans exceeding £1 million as large – the threshold at which certain Private Banks open their doors.
Please be aware, your home may be repossessed if you do not keep up repayments on your mortgage.
Lenders can adopt a more flexible approach and relax affordability rules for regulated mortgages granted to high-net-worth individuals. The FCA defines high-net-worth individuals as those with an annual net income of at least £300,000 or net assets of at least £3 million.
Lombard loans are a type of secured loan that allows individuals or businesses to borrow funds by using their existing financial assets as collateral. These assets can include investment portfolios, stocks and shares, or other securities. Lombard lending is commonly offered by private banks and financial institutions to high-net-worth individuals and can be a good option for those with significant assets but limited income.
As mortgage specialists, we possess the expertise to handle complex mortgage applications for clients with non-standard income or multiple income sources. We are well-versed in identifying lenders that consider non-standard income when evaluating mortgage affordability. This could include onshore and offshore trusts, personal pensions, bonuses, dividends, and commissions.
Interest-only large mortgage loans can provide significant financial flexibility, allowing you to maximise your cash flow and invest in other opportunities. Our experienced consultants arrange bespoke interest-only large mortgage loans that suit your specific financial situation.
Obtaining a large buy-to-let mortgage for high end properties requires expert guidance to secure the most favourable terms. Certain lenders assess buy-to-let mortgages differently for larger loans and adopt a more flexible approach when assessing rental income and stress tests. They will consider your net worth, personal income, and ability to cover interest payments during void periods.
Many high street lenders prefer to focus and cater for the more straightforward cases. High-net-worth individuals often have more complex financial situations than the average borrower. This complexity can make it difficult for lenders to assess their risk accurately, resulting in more stringent lending requirements and often higher interest rates.
The minimum deposit required for a large mortgage varies depending on the lender. Some might seek a 40% deposit due to certain factors, while others might accept a deposit between 5% and 10%, if satisfying their other requirements.