Mortgages

High Value Mortgages

Mortgages above £1 million for high-net-worth borrowers. Specialist lenders, complex income accepted, and tailored structuring for large loans.

Premium Lending

Large loans, expertly structured

Mortgages above £1 million sit outside the comfort zone of most high street lenders. Borrowers at this level often have complex income structures - mixing employment income with bonuses, dividends, overseas earnings, or business profits - that standard affordability models struggle to accommodate.

At Doulton Bridging Finance, we specialise in placing high-value mortgages with lenders who understand sophisticated financial profiles. Whether you are purchasing a family home, a London townhouse, or a country estate, we find competitive terms that reflect your true borrowing capacity.

£1m+

Loan Size

Complex

Income Accepted

130+

Specialist Lenders

Bespoke

Structuring

Why Doulton

Expertise in high-value lending

Specialist Large Loan Lenders

Standard lenders have upper limits that restrict high-value borrowing. We access specialist lenders with no practical upper limit who are experienced in seven- and eight-figure mortgages.

Complex Income Accepted

Bonuses, dividends, share options, retained profits, foreign earnings, and trust income. Our lenders assess the full picture of your wealth, not just basic salary.

Self-Employed and Directors

Business owners drawing a mix of salary, dividends, and retained profits can access high-value lending through specialist underwriting that reflects true earnings capacity.

Foreign Income

Income earned overseas in any currency can be factored into your application. We work with lenders experienced in multi-currency income verification and assessment.

Tailored Structuring

Large mortgages benefit from careful structuring - term length, rate type, repayment method, and security arrangements all make a significant difference at this level.

Discreet, Personal Service

High-value borrowers expect a premium service. We provide a dedicated point of contact throughout, handling your application with discretion and attention to detail.

The Process

How it works

Confidential Review

We review your income, assets, and property requirements in confidence to identify the most suitable lending options for your circumstances.

Lender Selection

We approach the lenders best suited to your profile, presenting your case to secure the most competitive rates and terms available for large loans.

Application and Valuation

We manage your application through to offer, coordinating the specialist valuation and underwriting process that high-value mortgages require.

Completion

Our team works alongside your solicitor to complete the mortgage efficiently, ensuring every detail is handled with the care that large transactions demand.

Discuss your high-value mortgage needs

Our specialist team handles large mortgage applications with the expertise and discretion you expect. Get a confidential quote today.

Get a Quote Confidential Discussion

FAQs

Frequently asked questions

What types of UK mortgage can Doulton arrange?

Residential, buy-to-let, portfolio, limited-company BTL, HMO, commercial, semi-commercial, high-value, private bank, expat, interest-only, second-charge and specialist adverse-credit mortgages. We work across the whole of market.

How much can I borrow?

Residential borrowing is typically 4-5.5x income depending on the lender and profile. Buy-to-let lending is sized on rental income against stress-tested interest cover ratios. High-value lending and private bank cases are assessed holistically on wealth and serviceability.

What is the minimum deposit?

Residential mortgages typically need 5-15% deposit. Buy-to-let usually requires 20-25%. Specialist, high-value and expat ranges often require 25-40%. Larger deposits unlock better rates across every product.

Can I get a mortgage with complex income or adverse credit?

Yes. Self-employed, contractor, commission-based, bonus-reliant and multi-currency incomes all have specialist lender homes. Borrowers with recent defaults, CCJs, DMPs or historic bankruptcy can also be placed, with pricing reflecting the risk profile.

How long does a mortgage application take?

Straightforward residential applications reach offer in 2-4 weeks. Specialist, high-value and expat cases typically take 4-8 weeks. Conveyancing and exchange after that is driven by your solicitor's speed.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.