Large Residential Mortgages
Large residential mortgages above £1 million from specialist large-loan lenders and private banks - with manual underwriting, complex income assessment, and genuine interest only over 15 to 25 years.
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What happens next
- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
Manual underwriting for significant loan sizes
Residential mortgages above £1 million are assessed manually by specialist underwriters rather than automated systems. Income assessment extends beyond salary multiplication to encompass bonus, dividends, carried interest, and investment portfolio income. Properties require senior RICS valuers. The combination of manual assessment, specialist lender relationships, and experienced case presentation determines the outcome at this loan size.
Large loan residential - every structure placed
Specialist Large-Loan Lenders
At £1m to £5m, specialist building societies and challenger banks use manual underwriting with complex income assessment. Bonus, dividends, and investment income all accepted. LTV up to 75%. No AUM requirement.
Private Bank Mortgages
Above £2-3m, private banks - Coutts, Arbuthnot Latham, Investec, Hampden & Co - provide bespoke facilities. Holistic wealth assessment replaces income multiples. Interest only over 25 years available.
Complex Income on Large Loans
Bonus income at 50-75% of a multi-year average, carried interest, RSUs, partner drawings, and multi-currency income - all assessed by the right specialist lender. Our specialists identify whose income model produces the highest assessed figure.
Interest Only Over Long Terms
Large residential mortgages on an interest only basis over 15 to 25 years - keeping capital invested rather than repaid. Repayment vehicles including investment portfolio, pension lump sum, and sale of other assets accepted.
Prime and Country Property
Prime London residential, country houses, and equestrian properties. Senior RICS valuers familiar with these specific markets instructed. Private bank underwriters deal with unusual and high-value properties routinely.
Case Preparation Quality
At large loan sizes, the quality of case preparation is as important as lender selection. Our specialists prepare the income analysis and property summary in the format each lender's credit committee expects - before the first approach.
How it works
Confidential income and property review
Our specialists review income structure, assets, and property requirements. No upfront fee on loans above £1m. Our specialists identify the right specialist lender or private bank for your specific profile.
Case preparation and lender approach
Our specialists prepare the income analysis in the format each lender requires before approaching. Quality case preparation at this stage avoids underwriting delays and conditions.
Specialist valuation
Senior RICS valuers instructed for large residential properties. Valuation is typically on the critical path - our specialists commission this early to maintain overall timeline.
Mortgage offer and completion
Specialist large-loan lenders: 4-8 weeks to offer. Private bank mortgages: 6-12 weeks. The specialist stays involved through completion and discharge of conditions.
Looking for a mortgage above £1 million?
Tell us the loan amount, income structure, and property. Our specialists return indicative terms within 48 hours. No upfront fee on loans above £1m.
Frequently asked questions
What is the minimum loan for a large residential mortgage?
Our specialists treat residential mortgages above £1m as large loan cases requiring specialist lenders. Between £1m and £3m, specialist large-loan lenders typically offer the best combination of rate and flexibility.
What income types are accepted on a large residential mortgage?
Base salary, bonus (at 50-75% of a multi-year average), dividends, carried interest, RSUs, partner drawings, and investment income. The specific methodology varies by lender - our specialists identify whose model produces the best outcome for your specific income.
Is there an upfront fee for arranging a large mortgage?
Our introduction service is free to use. Any fee charged by the specialist broker will be disclosed to you before you proceed.
What LTV is available on a large residential mortgage?
Up to 75% LTV from specialist large-loan lenders. Private banks may offer lower LTV but with greater flexibility on income assessment and interest only structure.
How long does a large mortgage take to arrange?
4 to 8 weeks for specialist large-loan lenders. 6 to 12 weeks for private bank mortgages. Senior RICS valuations are often on the critical path - commissioning these early keeps the overall timeline on track.