Mortgage guide
Large mortgage loans
A large mortgage loan is a mortgage that exceeds the maximum loan size offered by most mainstream lenders, typically requiring a specialist large loan team or a private bank. Large mortgages are assessed with greater flexibility than standard residential loans, because the borrower’s wider wealth, liquidity, and asset base can be taken into account alongside income.
- Published
- 15 Aug 2026
- Last reviewed
- 15 Aug 2026
- Reading time
- 2 min
Large mortgage loans
A large mortgage loan is a mortgage that exceeds the maximum loan size offered by most mainstream lenders, typically requiring a specialist large loan team or a private bank. Large mortgages are assessed with greater flexibility than standard residential loans, because the borrower’s wider wealth, liquidity, and asset base can be taken into account alongside income.
Large mortgage lending is usually manually underwritten. Rather than applying an automated income multiple, the lender considers the borrower’s full financial position, including earned income, investment income, business interests, and realisable assets. This manual approach means the structure of the application, and the way income and assets are evidenced, has a direct effect on the loan size and terms achieved.
For large mortgages, the choice between a mainstream lender’s large loan desk, a specialist lender, and a private bank is a central decision. Each route differs in pricing, flexibility, speed, and any requirement to place assets under management with the lender. A whole-of-market comparison, including private banks, is essential to secure the most suitable large mortgage.
Mortgage repayment calculator
High net worth mortgage criteria
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Criteria | Detail |
|---|---|
| Borrowers | Personal, Ltd co, LLP, Trusts |
| Residency | UK residents, expats, foreign nationals |
| Repayment type | Interest only, repayment, part and part |
| Term | Up to 40 years |
| Minimum loan size | £50,000 |
| Max Loan to Value (LTV) | Up to 95% LTV |
| Income types | Salary, bonus, dividends, carried interest, vested stock, investment income, rental income |
| Foreign currency income | Yes |
| Affordability basis | Income multiples, assets-based underwriting, or blended |
| Assets under management (AUM) requirement | Varies by private bank |
| Locations | England, Wales, Scotland & Northern Ireland |
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Feature | Detail |
|---|---|
| Product fee | Between £0-£995 |
| Type | Residential |
| Rates | From 4.59% |
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Mortgage secured after an affordability appeal
- Area:
- West Midlands
- Loan size:
- £92,000
Frequently asked questions
What is a large mortgage?
A large mortgage is a loan exceeding the maximum size offered by most mainstream lenders, usually handled by a specialist large loan team or a private bank. Large mortgages are manually underwritten, meaning the borrower's full income, assets, and liquidity are assessed individually rather than through automated income multiples.
Do I qualify as a high net worth borrower for a large mortgage?
High net worth mortgage treatment is available to borrowers who meet minimum income or asset thresholds defined in Financial Conduct Authority (FCA) rules. Qualifying borrowers can access more flexible, individually tailored underwriting, which is particularly useful where wealth is held in assets rather than income.
How large a mortgage can a celebrity get?
Large mortgages are available from specialist lenders and private banks, assessed individually on income, assets and the property. The amount depends on the lender's view of sustainable income or the assets supporting the loan.
Can I get a further advance on a large mortgage?
Yes, a further advance is possible on a large mortgage where the existing lender agrees to lend additional funds secured on the same property. A further advance is a separate loan on top of the existing mortgage, assessed against current affordability rules and the lender's maximum loan to value.
Can crypto wealth be used to get a large mortgage?
Crypto wealth can support a large UK mortgage in limited circumstances. Most lenders will not treat cryptocurrency holdings or trading gains as income, but funds converted to sterling with a clear transaction history can evidence deposits or assets. Private banks assess crypto wealth case by case under anti-money laundering rules.
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