Large Mortgage Loans
Looking for a large mortgage? We have advisors who specialise in high-value loans and can guide you to the lenders most likely to approve your application.
Large Mortgage Loan Advice
We have advisors who specialise in securing large mortgages for high-net-worth individuals and those with high incomes. They understand which lenders are most open to large loans, how to present your income clearly, and the extra documents that are sometimes required. We can help you get certainty about your options and the confidence to move forward.
Those seeking a large mortgage may have income from bonuses, dividends, or overseas earnings. We’re experienced in helping business owners, self-employed individuals, and those with unusual circumstances. Our advisors understand how to present complex income structures and can utilise any assets you may have, including pensions and stock portfolios, to your advantage.
Which lenders offer high net worth mortgages?
Many high-street lenders do offer mortgages of £1m or above, but customers in the market for large mortgages often find the most favourable rates and deals through private lenders, specialist mortgage providers, and lenders who can only be approached through a broker.
Most lenders will cap their mortgages at different levels depending on the loan-to-value ratio (LTV) and the deposit or equity you have.
It is usually tiered so that lower deposit (higher risk) applications face more stringent limitations, whereas higher deposit (lower risk) applications can borrow far more significant amounts.
For example, one lender may cap the amount you can borrow at £500,000 for 90% LTV applications, £800,000 at 80%, and a maximum of £1 million at 75% or below.
Depending on your circumstances, lenders are willing to consider large mortgages up to and exceeding £2 million, even at higher loan-to-value ratios.
Check your affordability
Use our calculator to see how much you could borrow based on your income.
Read our guides
Browse our large mortgage guides to learn how lenders assess high-value applications and what criteria apply.
Compare large mortgage deals
Use our comparison tool to view today’s best mortgage rates.
Speak to an expert
Get matched with an advisor who specialises in large mortgage loans and knows which lenders are most likely to accept your application.
We have advisors who specialise in large mortgage loans and can help you present your case clearly to the right lenders. Enquire today.
Our Guides
Want more detail? Our complete guide explains how large mortgages work, the extra checks involved, and how to improve your chances of approval.
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
A large mortgage loan often refers to an amount borrowed that’s larger than average. There’s not a set threshold, but they’re typically loans of at least £750,000 to £2 million.
There’s no set maximum, but the amount you can borrow is typically based on a multiplier applied to your income. This is often four to five times your income.
We make the mortgage process simple and manageable, whatever your situation. Our advisors handle both straightforward and complex cases, giving you certainty about your options and confidence in your next steps.
You will have a dedicated mortgage expert and case manager by your side from your first question through to completion, with regular updates so you always know what is happening.
We also give you the benefit of a one-stop experience by connecting you with trusted partners for conveyancing, insurance, and more. This way, you get clear answers, everything taken care of in one place, and peace of mind that your mortgage is sorted.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved.
With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide.
We secure the best deal with help from a specialist in situations like yours. Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
Customer Success Stories
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.