---
title: "Large mortgage loans"
description: "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."
url: "https://mortgagelane.com/guides/mortgages-high-net-worth-mortgages/large-mortgage-loans"
site: "Mortgage Lane"
collection: "guides"
date: "2026-08-15"
author: "Seren Norton"
category: "Mortgage guide"
reviewed: "2026-08-15"
reading_time: "2 min"
byline: "Seren Norton"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# 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.

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.

[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

[High Net Worth Mortgages](https://mortgagelane.com/specialists/high-net-worth-mortgages)

Related definitions

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

·

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

## 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.

## Talk it through with an adviser

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

Published: 2026-08-15

Last reviewed: 2026-08-15

Source: https://mortgagelane.com/guides/mortgages-high-net-worth-mortgages/large-mortgage-loans