---
title: "Large mortgages and high net worth lending"
description: "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."
url: "https://mortgagelane.com/guides/private-bank-mortgages/large-mortgages-and-high-net-worth-lending"
site: "Mortgage Lane"
collection: "guides"
date: "2026-08-17"
author: "Seren Norton"
category: "Mortgage guide"
reviewed: "2026-08-17"
reading_time: "2 min"
byline: "Seren Norton"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# 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.

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.

[Private bank mortgage](https://mortgagelane.com/definitions?term=private-bank-mortgage)

Specialist lending

A mortgage provided by a private bank, often assessed alongside the borrower’s wider assets, income and banking relationship.

[Read the full definition of Private bank mortgage](https://mortgagelane.com/definitions?term=private-bank-mortgage)

Back to overview

[Private Mortgages](https://mortgagelane.com/specialists/private-bank-mortgages)

Related definitions

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

·

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

## 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.

## Talk it through with an adviser

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

Published: 2026-08-17

Last reviewed: 2026-08-17

Source: https://mortgagelane.com/guides/private-bank-mortgages/large-mortgages-and-high-net-worth-lending