Can I get a large mortgage if I have complex income or foreign earnings?
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 […]
What documents are required to apply for a large mortgage?
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.
Are large mortgages only available through private banks?
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.
How much can I borrow with a large mortgage?
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.
What is considered a large mortgage?
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.