High Value Mortgages
High value mortgages above £1 million - from specialist large-loan lenders at £1m to £5m through private banks with bespoke facilities at any scale - with complex income assessment and interest only available.
Why the mortgage market above £1 million is different
Above £1 million, automated credit decisioning gives way to manual underwriting. Income assessment extends beyond salary multiplication to encompass bonus, dividends, carried interest, and business equity. Properties require senior RICS valuers. The lender universe narrows - and the lenders that remain require experienced case presentation rather than a standard application form. Doulton Bridging Finance works across the full high-value mortgage market with the relationships and preparation capability that produces results at this loan size.
Every large loan requirement placed
Specialist Large-Loan Lenders
Specialist building societies, challenger banks, and large-loan specialists at £1m to £5m with manual underwriting. Complex income including bonus and dividends assessed. LTV up to 75%. No AUM relationship required.
Private Bank Mortgages
Coutts, Arbuthnot Latham, Investec, Hampden & Co, C. Hoare & Co - bespoke facilities typically from £2m. Holistic wealth assessment replaces income multiples. Interest only over 15-25 years. AUM relationship usually preferred.
Complex Income Assessment
Bonus income, carried interest, partner drawings, RSUs, multi-currency income, and investment portfolio distributions all assessed by the right specialist lender. We identify which income model produces the highest assessed figure for your compensation structure.
Prime and Super-Prime London
Mayfair, Knightsbridge, Belgravia, Chelsea, and Kensington - specialist valuers and the private bank lenders most active in these specific markets accessed through our broker relationships.
Non-Standard Property Types
Listed buildings, large acreage, equestrian properties, and unusual construction - assessed on individual merit by specialist and private bank lenders rather than declined against standard criteria.
Genuine Interest Only
Long-term interest only over 15 to 25 years with flexible repayment vehicles - investment portfolio, sale of business interests, other property. The most common structure for high-value residential mortgage borrowers who prefer capital to remain invested.
How it works
Income and property overview
We review your income structure, assets, property requirement, and loan size. No upfront fee on loans above £1m. We identify the right specialist lender or private bank for your specific profile.
Case preparation
For large loans, case preparation is as important as lender selection. We prepare the income analysis, wealth summary, and property information in the format that each lender's credit team expects before the first approach.
Specialist valuation and underwriting
Senior RICS valuers are instructed for high-value properties. Underwriting is manual and property-specific. We manage the underwriting relationship throughout to keep the timeline on track.
Mortgage offer and completion
Specialist large-loan lenders: 4-8 weeks to offer. Private bank mortgages: 6-12 weeks. We stay involved through completion and discharge of conditions.
Looking for a mortgage above £1 million?
Tell us the loan amount, property, and income structure. We return indicative terms from the right lenders within 48 hours. No upfront fee on loans above £1m.
Frequently asked questions
What is the minimum loan for a high value mortgage?
We treat loans above £1m as high-value mortgages. Between £1m and £3m, specialist large-loan lenders typically offer the best combination of rate and flexibility. Above £3m, private bank products often provide better terms, particularly where income is complex or long-term interest only is preferred.
Do I need to place assets with a private bank to get a mortgage?
Most private banks prefer or require an AUM relationship alongside the mortgage. Some write 'dry mortgages' with no AUM requirement for the right borrower profile. A broker approach identifies which banks are willing to engage on a mortgage-only basis for your specific situation.
Can carried interest or bonus income be used?
Yes - by specialist lenders and private banks with experience of complex income. Bonus income at 50-75% of a consistent multi-year average, and carried interest assessed against fund track record and vesting schedule, are both incorporated by the right lender.
What LTV is available on a £3m+ mortgage?
Up to 75% LTV from specialist large-loan lenders. Private banks offer lower LTV products but with greater flexibility on income assessment, interest only structure, and repayment vehicle.
How long does a high-value mortgage take to arrange?
4 to 8 weeks for specialist large-loan lenders. Private bank applications run 6 to 12 weeks due to more intensive due diligence. High-value property valuations by specialist RICS valuers are often on the critical path - commissioning these early reduces overall timeline.
Explore related pages
High Net Worth Mortgages
Private bank access and holistic wealth assessment.
Interest Only Mortgages
Long-term interest only for high value residential.
Director Mortgages
Company director income assessed correctly for large loans.
Large Bridging Loans
Short-term large loan finance for time-sensitive acquisitions.