---
title: "Multi Million Pound Mortgage"
description: "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."
url: "https://mortgagelane.com/guides/million-pound-mortgages/multi-million-pound-mortgage"
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"
---

# 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.

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.

[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

[Mortgage](https://mortgagelane.com/definitions#def-mortgage)

·

[Underwriting](https://mortgagelane.com/definitions#def-underwriting)

## 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.

We arrange multi million pound mortgages for borrowers including:

- Buyers of prime and super-prime property in London and across the UK
- Entrepreneurs and shareholders with wealth concentrated in a business
- Borrowers using assets under management (AUM) arrangements with private banks
- International buyers and expats purchasing high value UK homes
- Borrowers refinancing existing large loans onto better structured terms

## 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/million-pound-mortgages/multi-million-pound-mortgage