High-value mortgages

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High-value mortgages

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High-value mortgages

High-value mortgages are becoming increasingly common due to rising property prices, yet many high street lenders won’t lend to this market. Also, for loans above £1 million, lenders generally have a specialist underwriting team. So if you’re seeking a high-value mortgage for your next property purchase, you’ll need to scour the market and present your application in a particular and precise way. We can take care of that for you.

A high-value mortgage is a big financial commitment, so we’ll work extensively to ensure we secure you the right deal.

Although high-value mortgages are essentially the same as standard residential mortgages, different influencing factors make them more complicated to secure. For example, if you have a high net worth and are looking to borrow against net assets or other property, you’ll find a limited choice of lenders because of how you prove your income. Also, if you earn money in lump sums, you might want to make sizeable one-off mortgage repayments. But typically, with high street mortgages, overpaying by more than 10% will incur an early repayment charge, which can be a significant amount.

So before sourcing your high-value mortgage, we’ll take time to get to know you and understand your lifestyle and goals. Then we’ll tailor a bespoke mortgage solution that meets your exact needs. We have access to a strong lender network so can find the right high-value mortgage for your particular circumstances. We’ve successfully arranged high-value mortgages for those in complex situations, including the self-employed, business owners and non-domiciled residents.

Because we play by the book we want to tell you that...

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.

The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.