Large Mortgages
Large mortgage loans. Specialist finance for high-value homes
Standard lenders have standard limits. When you need to borrow £500,000 or more, against complex income or a high-value property, you need access to private banks and specialist lenders.
- Private banks and specialist lenders
- Complex income structures
- Loans from £500k to £10M+
- No upfront fees
Loan structures
The structure matters as much as the rate
Large mortgages are rarely one size fits all. Rate type, repayment method and flexibility all change your total cost and cash flow. Tap through the main options.
Pay down both interest and capital each month. The mortgage reduces to zero over the term. The standard approach for primary residences.
The detail
Who needs a large mortgage loan?
High earners and executives
Complex pay made up of base salary, bonus, equity and deferred payments.
Self-employed and business owners
Directors taking modest salaries and drawing dividends, or retaining funds in the business.
International buyers
Income in foreign currencies, assets overseas or non-UK domiciled clients.
Property investors
Portfolio landlords expanding their holdings.
Downsizers and equity-rich buyers
Lower income, but lenders can weigh assets alongside it.
Family office and high-net-worth clients
Trusts, offshore holdings, investment portfolios and pension income, handled discreetly.
Income the right lender can count
- Employment: base salary, bonuses, share schemes, deferred pay and LTIP payments
- Self-employed: net profit, director dividends, salary and retained profits
- Investment: rental income, share dividends, trust distributions and investment returns
- Other: pension income, international income and offshore assets
Complicated? Talk to us first
- Self-employed with fluctuating income across multiple entities
- International income in foreign currencies
- Portfolio landlords with 4+ properties
- Directors on low salary and high dividends
- New build properties above £1M
- Significant acreage or non-standard construction
- Fast-track completion on 2 to 3 week deadlines
- Interest-only without a traditional repayment vehicle
- Multiple properties with complex ownership
Why Home Me
How we help
Specialist lender access
Coutts, Investec, Handelsbanken, Barclays Wealth and specialist lenders not accessible to direct applicants.
Complex income expertise
We present complex income properly, so lenders see the full financial picture.
Discretion
High-value clients expect, and receive, complete confidentiality in how their financial details are handled.
Your mortgage journey
From first call to completion.
Whether you're buying your first home, remortgaging or navigating a complex income, we find the right deal from 90+ lenders.
We manage lenders, solicitors and estate agents on your behalf so nothing falls through the cracks. You'll always speak to a named adviser, never a call centre.
Book a free consultation
- 1
Free consultation
We go through your income, deposit, credit history and what you're looking for, then tell you exactly where you stand.
- 2
We search the market
We compare deals from 90+ lenders, including exclusive rates, and recommend the mortgage that genuinely fits your situation.
- 3
We handle everything
We manage the application, chase solicitors and keep everything on track through to exchange and completion.
- 4
You complete with confidence
Your mortgage completes, you get your keys, and we stay in touch for when your deal is up for renewal.
FAQs
Large Mortgages questions
Is there a maximum loan size?
There is no fixed upper limit for the specialist lenders we work with. We have secured mortgages up to £10M+, and in theory there is no ceiling, it comes down to the specific lender, the property, and the borrower's financial position.
Can I get a large mortgage if I'm self-employed?
Yes. This is a significant part of what we do. Self-employed applicants with complex income, multiple directorships, retained profits, dividends, are assessed by specialist lenders who understand how wealth is actually structured. We typically need two to three years of accounts.
How do lenders handle international income?
Some specialist lenders actively work with international income in foreign currencies. Key factors are currency stability, verifiability of the income, and the applicant's residency and tax status. We have direct relationships with lenders who handle this regularly.
Are rates better or worse on large mortgages?
Often better. Specialist lenders compete for high-quality, large loan clients, and with a strong financial profile and larger deposit, the rates available can be more competitive than standard high street products.
How long does the process take?
For straightforward large mortgage cases, eight to twelve weeks from application to completion is typical. For time-sensitive situations, some specialist lenders offer fast-track underwriting, with decisions in 48 to 72 hours and completions in two to three weeks.
Can I get an interest-only mortgage on a large loan?
Yes. Interest-only is commonly used on large loans, particularly where the borrower has investment assets, a property portfolio, or a planned repayment strategy. The repayment vehicle needs to be credible, most specialist lenders are flexible about what they accept.
I need to move quickly on a purchase: can you help?
Yes. We have lenders who can provide indicative decisions within two to three days and who regularly complete within two to three weeks. The premium valuation and legal process needs to move quickly in parallel, speak to us as early as possible.
Can I port my existing large mortgage?
In most cases, yes. Most mortgages are portable, and your existing lender may prefer to retain the business by offering a competitive product transfer. We always compare your existing lender's retention offer against the open market before making a recommendation.
Ready to find your perfect mortgage?
Ready to start, or just weighing it up? A named adviser will talk it through. No pressure, no jargon, no obligation.
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