High Value Mortgages (£1M+)
Once a purchase gets above roughly £1 million, a lot of mainstream lenders quietly step back, either because it exceeds their internal lending limits or because their underwriting process simply isn’t built for the complexity that often comes with larger transactions.
We arrange high value mortgages for expat clients buying substantial family homes, larger investment properties, and refinances of existing large loans, working from our UK, Hong Kong and Kuala Lumpur offices since 2008.
What changes at this loan size
Underwriting tends to become more manual and relationship-driven rather than automated. Lenders in this space are often more willing to look at your complete financial picture – investments, other property, business interests – rather than applying a rigid income multiple, which can work in your favour if your wealth doesn’t sit neatly in a single salary figure.
Valuations for higher-value properties also tend to take longer and involve more detailed surveys, given the greater sums involved and the often more unusual nature of the properties themselves. If your income and assets are complex enough that a whole-relationship assessment makes more sense than a standard high value mortgage, our Private Bank Mortgages page may be a better fit.
Typical situations we see
- Purchasing a substantial family home, whether for your own eventual return to the UK or for family currently living there
- Buying or refinancing a high-value investment property
- Consolidating existing large borrowing under better terms
Our fees
£295 application fee, 1% completion fee, with the same transparency regardless of loan size.
Frequently Asked Questions
Is there a maximum loan size you can arrange?
No fixed ceiling – for the right profile and property, we can go well beyond £1 million.
Do I need a bigger deposit for a high value mortgage?
Often yes, commonly 25% or more, though this depends heavily on the lender and your specific circumstances.
Will my income be assessed differently at this loan size?
Often yes – many lenders in this space look at your total financial picture rather than a strict income multiple.
How long does a high value mortgage typically take?
Budget for longer than a standard application, often 8-12 weeks, given more detailed valuations and underwriting.
Can this be arranged discreetly?
Yes, discretion is standard practice for larger transactions in this part of the market.
Get in touch for a confidential discussion of what’s achievable for your circumstances.
