Large mortgages

What you need to know

Are you looking for large mortgages for a high-priced property or looking to refinance your existing large mortgage? It can be challenging to find the right mortgage lender who can provide the best interest rate and terms for your specific needs. That’s where we come in – we specialise in securing large mortgages for high net worth individuals and can help you navigate the complex lending landscape.

As specialist large mortgage brokers we work with a variety of lenders to find the best options for our clients, often including private banks and other specialised lenders that may not be available to the general public. We also provide valuable insights and guidance on the most suitable type of mortgage for your situation.

When it comes to large mortgage loans, it’s crucial to have a broker who understands the unique requirements and complexities of these types of loans. As a reputable and experienced large mortgage broker, we can increase your chances of getting approved for the mortgage you need at the best possible rates and terms.

When trying to get a larger loan for a multi-million-pound property, it can be harder to qualify for a mortgage simply because fewer mortgage lenders offer them. There is usually a maximum mortgage amount they can provide under these circumstances, and without a specialist broker, you can find yourself with a financial headache.

We act as an intermediary between each party and give you a clear understanding of what you need to do to get the mortgage you want. This could be approaching only specific lenders or assessing your current financial situation.

What is classed as a large mortgage?

Although this will differ depending on the mortgage lender, most experts concur that a large mortgage is one worth £1,000,000 or more.

Guidance is strongly advised if you’re borrowing this much money, because not all mortgage lenders can provide you with a mortgage of this magnitude, even if you think you can handle the payments easily.

What is a high loan to value ratio?

Most lenders will cap their mortgages according to a metric known as the loan to value ratio (LTV) and how much of a deposit you put down/equity you have. The lower the deposit, the harder it is to secure a loan.

Depending on the mortgage broker, you may find that you can secure a loan for a property worth more than £2,000,000 – this depends entirely on the broker’s speciality.

That’s where we come in. We’re expert high vale mortgage brokers, so we’re well suited to finding the best result possible for you.

Specialist large loan services we can provide

We assist clients in obtaining the best mortgages for their houses in the UK and other countries.

We have access to a large selection of lenders. Our team has the knowledge to offer the perfect mortgage option for you, whether you’re looking to buy a luxury rental property or a dream family home.

Our services include:

    • Personalised solutions for international HNW & UHNW individuals
    • Bespoke lending solutions
    • Large UK mortgages for foreign nationals, expats and non-residents
    • HNW Exemption, pre-funded, rolled up and occasional use exceptions
    • Interest-only mortgages, Blended and Part mortgages
    • Mortgages for residential and investment properties
    • Mortgage solutions for complex ownership structures (onshore and offshore trusts, limited companies, foundations, funds and more)
    • Access to large loan teams at high street lenders, private banks & specialist lenders

Help with getting a large mortgage

To summarise – If you’re in the market for a large mortgage, there are a few key things you need to keep in mind. As mentioned, large mortgages are typically those valued at £1,000,000 or more, and they can be more difficult to secure than standard mortgages. However, with our specialist large mortgage broker assistance, you can increase your chances of getting approved for the best possible rates and terms.

One of the challenges with securing a large mortgage is finding the right lender. Many standard mortgage lenders simply don’t have the capacity or willingness to offer large mortgages, so it’s important to work with a broker who has access to a wide range of lenders, including private banks and specialist lenders, which we have. These lenders may also offer more flexible terms and better interest rates than traditional lenders.

We offer a range of services to help high net worth individuals secure the best possible mortgage for their needs. Our team has the knowledge and expertise to offer bespoke lending solutions, as well as mortgages for complex ownership structures like offshore trusts and limited companies.

Plus, we’ve covered this topic in a blog post, which details how to get a large mortgage loan.

Ultimately, securing a large mortgage requires careful planning, attention to detail, and the support of an experienced and knowledgeable mortgage broker. With our help, you can navigate the complex lending landscape and secure the best possible rates and terms for your dream home. So why not get in touch with our large mortgages team today to see how we can help you?

Need to talk to experienced high value mortgage brokers?

Contact us today so we can kick off the process and get the basic information we need to start finding great mortgage products to support your property purchase.

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