Mortgage guide
Large mortgages and high net worth lending
A large mortgage, sometimes called a million-plus mortgage, is a loan size above the comfortable lending range of most high street banks and is usually arranged through private banks or specialist large loan lenders. Loan size thresholds vary by lender.
- Published
- 17 Aug 2026
- Last reviewed
- 17 Aug 2026
- Reading time
- 2 min
Large mortgages and high net worth lending
A large mortgage, sometimes called a million-plus mortgage, is a loan size above the comfortable lending range of most high street banks and is usually arranged through private banks or specialist large loan lenders. Loan size thresholds vary by lender.
How to get a large mortgage depends less on headline income and more on how the overall financial position is presented. Lenders offering large mortgages will consider total remuneration, business ownership, investment portfolios, and existing property assets, and will structure the loan around the borrower’s liquidity and long-term plans, for example using interest-only with a sale or investment-based repayment strategy.
Large mortgage cases benefit from early preparation. Assembling evidence of income, assets, and source of wealth before approaching lenders shortens underwriting, supports stronger terms, and reduces the risk of a declined application affecting future approaches to other institutions.
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Private 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 names, limited companies, an LLP, trusts and offshore structures |
| Repayment type | Interest only, repayment, or part and part |
| Term | Up to 40 years on residential lending in our experience; each lender sets its own maximum |
| Minimum loan size | Set by each lender; some private banks and large loan lenders have a minimum loan size |
| Maximum loan to value (LTV) | Set by each lender for the borrower and the security |
| Income types considered | Salary, bonus, dividends, investment income and foreign currency income |
| Assets under management (AUM) | Required by some private banks; others offer dry lending without AUM |
| Residency | UK residents, expats and foreign nationals |
| Credit approach | Bespoke underwriting with manual assessment |
| Locations | England, Wales, Scotland and 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 | From £0-£995 |
| Type | Residential |
| Rates | From 4.59% |
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- Area:
- West Midlands
- Loan size:
- £92,000
Frequently asked questions
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.
What is a high net worth mortgage?
A high net worth mortgage is a mortgage for borrowers with substantial income or assets, assessed on overall wealth rather than standard income multiples alone. High net worth (HNW) mortgages are commonly used for large loans, interest-only borrowing, and complex income, and are offered by specialist lenders and private banks.
Do I need a high net worth mortgage broker for a private bank?
No, borrowers can approach private banks directly, but a high net worth mortgage broker can present the case to multiple banks simultaneously and negotiate pricing and any assets under management conditions. Approaching only one bank risks accepting terms that are uncompetitive against the wider market.
Can I get a high net worth mortgage through a company or trust?
Yes, high net worth mortgages can be arranged for limited companies, limited liability partnerships (LLPs), and trusts, subject to lender acceptance of the structure. Lenders typically require personal guarantees from beneficial owners, and offshore structures reduce the available lender pool, making whole-of-market advice important.
How long does a high net worth mortgage take to arrange?
Timescales vary with case complexity, lender type, and documentation. Straightforward large loans can progress on similar timescales to standard mortgages, while private bank lending, trust structures, or international borrowers can take longer due to enhanced due diligence. Early preparation of documents shortens the process.
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