---
title: "Million Pound Mortgages: detailed guide"
description: "Detailed explanations and criteria for Million Pound Mortgages."
url: "https://mortgagelane.com/guides/insights-million-pound-mortgages-details"
site: "Mortgage Lane"
collection: "guides"
date: "2026-08-18"
author: "Seren Norton"
category: "Mortgage guide"
reviewed: "2026-08-18"
reading_time: "2 min"
byline: "Seren Norton"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Million Pound Mortgages: detailed guide

Detailed explanations and criteria for Million Pound Mortgages.

We provide whole-of-market advice for buyers, homeowners, and investors borrowing £1 million or more, helping borrowers identify which mainstream,…

[High net worth mortgage](https://mortgagelane.com/definitions?term=high-net-worth-mortgage)

Specialist lending

A mortgage arranged for a borrower with substantial income or assets, often involving an individual assessment of their financial position.

[Read the full definition of High net worth mortgage](https://mortgagelane.com/definitions?term=high-net-worth-mortgage)

Back to overview

[Million Pound Mortgages](https://mortgagelane.com/specialists/million-pound-mortgages)

Related definitions

[High net worth mortgage](https://mortgagelane.com/definitions#def-high-net-worth-mortgage)

## £1 Million Pound House Mortgage (Residential)

A £1 million pound house mortgage is a residential mortgage used to buy or remortgage a main home valued high enough to support borrowing of £1,000,000 or more. At this loan size, many lenders move the application into a large loan or premier underwriting process, where affordability is assessed manually rather than by automated scoring alone.

[Read more about £1 Million Pound House Mortgage (Residential)](https://mortgagelane.com/guides/million-pound-mortgages/1-million-pound-house-mortgage-residential)

## Multi Million Pound Mortgage

A multi million pound mortgage is a loan of £2,000,000 or more secured against UK property, and at this level private banks and specialist large loan lenders become increasingly relevant. Multi million pound mortgages are usually individually underwritten, meaning the lender assesses the whole financial position, income, assets, liabilities, and liquidity, rather than applying a simple income multiple.

[Read more about Multi Million Pound Mortgage](https://mortgagelane.com/guides/million-pound-mortgages/multi-million-pound-mortgage)

## £1 Million Pound Buy-to-Let Mortgage

A £1 million pound buy-to-let mortgage is an investment mortgage of £1,000,000 or more secured against one rental property or structured across a portfolio. Buy to let lending at this level is assessed primarily on rental income coverage, though many lenders also apply minimum personal income requirements and background portfolio checks at larger loan sizes.

[Read more about £1 Million Pound Buy-to-Let Mortgage](https://mortgagelane.com/guides/million-pound-mortgages/1-million-pound-buy-to-let-mortgage)

## £1.5 Million Commercial Mortgage

A £1.5 million commercial mortgage is a business loan secured against commercial or semi-commercial property, such as offices, retail units, hospitality premises, or mixed-use buildings. Commercial mortgage payments at this level are driven by the loan structure, as commercial lenders price individually based on the property, the tenant or trading business, and the strength of the covenant.

[Read more about £1.5 Million Commercial Mortgage](https://mortgagelane.com/guides/million-pound-mortgages/1-5-million-commercial-mortgage)

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-08-18

Last reviewed: 2026-08-18

Source: https://mortgagelane.com/guides/insights-million-pound-mortgages-details