Large Mortgages
- Extensive experience securing mortgages for high-net worth and complex income clients
- Expert advisers offering tailored support for mortgages over £1 million
- Access to exclusive large loan products not available directly from lenders
Looking to Secure a Large Mortgage?
We provide tailored mortgage advice to thousands of clients. Our team have a wealth of experience in dealing with larger mortgage types, with a significant number of the mortgages we arrange running into the millions of pounds range.
As a whole-of-market brokerage we have access to large mortgage options from private banks and specialist lenders, as well as the high-street banks. We can also access preferential rates and bespoke arrangements on large mortgages that are available either exclusively to us or only a handful of brokerages. This means you can rest assured that you really are getting a competitive mortgage.
Our experienced mortgage advisers are on hand to guide you through the process, taking the time to get to know you and really understand your circumstances and requirements. We are familiar working with more complicated income sources – we can navigate your tax returns, business accounts and foreign currency income streams, for example, and connect you to the lender that’s most appropriate for you.
- What We Do
- Large mortgage loans for high-value residential purchases
- Bespoke finance solutions for complex income or asset structures
- Lending secured against prime property in the UK
- Support with interest-only, offset, and multi-million-pound mortgages
Why Use a Mortgage Broker?
It is predicted that 89% of all mortgages in 2025 will be organised via an adviser or broker (source IMLA). Working with a independent, whole of market mortgage adviser can save you a great deal of time, stress and money, and you’ll gain invaluable advice throughout the process, and even post-completion. They’ll look to secure you the best deal, and can often access lenders, rates and financing that is not available to the general public.
Ready to Discuss Your Large Mortgage?
Complete our enquiry form below and one of our mortgage advisers will be in contact.
Website - Generic Lead Gen Form
FAQs
Not exclusively. While private banks often offer bespoke solutions for large mortgage borrowers, high-street lenders and mortgage providers also offer competitive large loan products. Our advisers compare the full market to find the right fit for your needs.
Yes, there are lenders available that will consider applicants with non-standard income, such as international earnings, investment income, or trust funds. Our expert advisers will help navigate your tax returns, business accounts and foreign currency income streams, for example, and connect you to the lender that’s most appropriate for you.
Important: If your mortgage is a foreign currency mortgage, fluctuations in exchange rates could increase the Sterling value of your debt, so expert advice is essential to protect your investment.
The amount you can borrow will depend on your income, assets, credit profile and the lender’s affordability assessment. Some private banks and expert lenders offer enhanced income multiples or take a more flexible approach to bonus, dividend or overseas income.
Typical requirements include proof of income (salary, bonuses, dividends), tax returns or accounts for self-employed applications, bank statements and details of existing assets or liabilities. Complex cases may require additional documentation, which we will help gather and present to lenders.
A large mortgage typically refers to a loan amount of £1 million or more. However, this can vary depending on the lender and your financial profile.
At SPF Private Clients, we specialise in arranging high-value mortgage advice tailored to complex income structures and high-net-worth people.