Large Residential Mortgages

Large residential mortgages for £1m+ UK property

Whole-of-market access to high-street prime, specialist and private bank lenders for £1m to £25m+ owner-occupied residential mortgages. Sourced and structured for the way large incomes and large assets actually work.

The product

What counts as a large residential mortgage in the UK

A large residential mortgage is, broadly, an owner-occupied home loan of £1m or more secured against a single residential property in the UK. At that loan size three things change at once. The lender pool shrinks because most building societies cap at £1m to £2m on standard products. Underwriting becomes manual and relationship-led rather than scorecard-driven. And the way the borrower's income, bonuses, carried interest, dividends or international earnings are treated starts to matter as much as the headline loan-to-value.

Most large residential mortgages in the UK sit in three lender tiers. High-street prime banks (HSBC, Barclays, Lloyds Private, NatWest Premier) will write up to £5m on a vanilla profile - PAYE, sterling income, simple structure - at the keenest rates. Specialist banks (Investec, Hampden, Coutts retail, Arbuthnot, Handelsbanken) take large loans with more complex profiles up to £10m or so. Private banks (Coutts, JP Morgan, Citi Private Bank, UBS, Julius Baer, Rothschild, Schroders) write £2m to £25m+ on a relationship basis, often interest-only, often with assets-under-management as part of the deal.

Doulton works across all three tiers. We do not have a house view that everything must go to a private bank, and we do not push every case to the cheapest high-street rate where the structure will not survive underwriting. The right large residential mortgage is the one that actually completes and works for the borrower's wider balance sheet over the term.

Get a Quote Call 0204 6211776

£1m - £25m+

Typical loan range

60-85%

LTV achievable

130+

Lender panel

No fee

On loans over £1m

Why Doulton

What makes this work in practice

Up to 85% LTV on prime owner-occupied stock

High-street prime and specialist banks routinely lend 75-85% on owner-occupied homes in prime postcodes. Above 80% the rate stack widens, but the deal is there for the right covenant.

Interest-only structures for asset-rich clients

Private bank and select specialist lenders accept interest-only over 5-25 year terms where there is a credible repayment vehicle: sale of an investment property, maturing bonus pool, liquid investment portfolio or business exit.

Bonus, RSU, carried interest and dividend income accepted

We work with banks that take 100% of two-year bonus averages, treat RSUs as income on vest, accept carried interest as evidence of capacity and underwrite owner-managed dividends with 12 months of accounts.

Multi-currency income and international borrowers

USD, EUR, AED, HKD, SGD and other major-currency earners are placeable. Discount on FX-exposed income varies by lender between 0% and 25%. Several private banks underwrite in the income currency rather than sterling.

Joint borrower / sole proprietor arrangements

Where a buyer needs the income of a parent, partner or trust to support affordability but wants the legal title in their sole name, a select group of lenders run joint-borrower-sole-proprietor (JBSP) structures up to £5m.

Property over £2m, £5m, £10m - no hard ceiling

We have placed individual loans of £15m+ on single residences in central London. Beyond £25m the case typically becomes a private bank relationship with AUM and the rate becomes a matter of negotiation rather than a product sheet.

Stress rates calibrated to the right product

High-street large-loan stress rates are typically 7-9%. Specialist banks stress at 5-6.5% on five-year fixes. Private banks may use the pay rate plus a small buffer. The right stress rate is often the difference between affording the deal and not.

Speed when speed matters

Auction purchases, sealed-bid completions or chain-break refinances on £3m+ homes go through with the lenders genuinely set up for it. Where a long-term mortgage cannot complete in time we bridge first, refinance second.

The process

How it works

Income, asset and structure call

We map out income (PAYE, self-employed, dividends, bonus, carried interest, overseas), the deposit and proof-of-funds, any existing borrowing and the target property profile in a single 30-minute call.

Whole-of-market sourcing

We benchmark the case across high-street prime, specialist and private bank tiers. You see indicative terms from each tier so the trade-offs (rate, fees, AUM requirements, speed) are clear.

Application and underwriting

We package the case to each lender's underwriting brief. For private banks that means a credit-paper-style submission, not a standard online application. We manage valuation, legals and KYC end-to-end.

Offer, completion and ongoing review

We hold the offer through to completion, manage rate-lock extensions if the purchase slips and review the facility at every rate-product end to make sure it is still the right one.

Indicative terms on your £1m+ residential mortgage

Tell us about the property, the income picture and any complications. We will benchmark high-street, specialist and private bank options within 24 hours. No upfront fee on loans over £1m.

Get a Quote Call 0204 6211776

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.

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