Why Choose a Specialist Large Mortgage Loans Broker in the UK?
When you’re eyeing that stunning £3 million penthouse in Knightsbridge or a luxury estate in the Cotswolds, navigating large mortgage loans requires specialist expertise. As a premier large mortgage loans broker in the UK, Fox Davidson simplifies the process, connecting high-net-worth (HNW) clients to bespoke financing from private banks and high street lenders. Unlike standard mortgages from high street banks, large mortgage loans demand a tailored approach—considering complex incomes, international assets, and property intricacies.
Our FCA-regulated team excels here, with established relationships across 180+ lenders, including exclusive access to 30+ private banks. Whether you’re a business owner with dividend-driven income, an international buyer relocating to the UK, or a property investor scaling your portfolio, Fox Davidson delivers confidential, expert advice.
Contact us today email or call for a no-obligation discussion in confidence.
What Are Large Mortgages?
A large mortgage is a loan typically ranging from £750,000 to £10 million or more, designed for high-value UK properties that surpass standard lending limits. As your trusted large mortgage loans broker, Fox Davidson accesses lenders specialising in these transactions, ensuring competitive terms for HNW clients.
What sets large mortgages apart from standard residential loans?
High street banks use automated systems for everyday deals, but large mortgage loans involve manual underwriting by specialist teams. Key differences include:
- Higher thresholds: Starting at £750,000, often £1 million+ for premium lenders.
- Bespoke solutions: Customised to your financial profile, not one-size-fits-all products.
- Enhanced due diligence: In-depth reviews of income, assets, and valuations.
- Specialist expertise: Underwriters versed in HNW structures like trusts and overseas earnings.
- Flexible options: Interest-only terms, extended durations, and currency hedging.
This personalised focus—versus rigid high street criteria—makes a specialist large mortgage loans broker essential for success.
Who Needs Large Mortgages?
Large mortgages cater to diverse HNW borrowers seeking financing beyond conventional limits. Identifying your profile helps pinpoint the ideal lender and structure.
- High-Net-Worth Individuals: Buying luxury homes in prime locations or building investment portfolios.
- Business Owners: With retained profits, dividends, and overseas income that challenge standard affordability tests.
- Professional Contractors: Barristers, IT consultants, or freelancers with irregular but high earnings.
- International Buyers: Relocating with foreign income, needing UK establishment support.
- Property Developers/Investors: Funding multi-property deals and developments.
As a leading UK large mortgage loans broker, Fox Davidson tailors solutions for these groups of clients, drawing on our network to overcome common hurdles.
Types of Large Mortgage Lenders
Choosing the right lender is pivotal for securing optimal rates and terms. As your large mortgage loans broker, we match you to high street, private, or specialist options based on your needs. Each excels in specific scenarios, with varying max loans and criteria.
High Street Banks
Institutions like Barclays, HSBC, Lloyds, and NatWest offer up to £2-5 million for straightforward cases, with competitive rates and reliable infrastructure.
Ideal for: Employed income (PAYE), strong credit, mainstream properties, 15-25% deposits.
Limitations: Strict affordability models exclude complex incomes; max 85% LTV.
Private Banks
Wealth managers like Coutts, Julius Baer, and UBS provide up to £25 million+, focusing on relationship-driven lending for ultra-HNW clients.
Advantages: Flexible underwriting for trusts/overseas assets; integrated wealth services.
Considerations: 1% arrangement fees; £500k+ asset minimums.
Specialist Large Loan Lenders
Boutique firms handle complex, high-value cases rejected elsewhere, up to £10 million+.
Strengths: Non-standard income (e.g. crypto/royalties); fast decisions for urgent deals.
Drawbacks: Higher rates for bespoke risk.
Large Mortgage Lender Comparison Table
| Lender Type | Max Loan Amount | Ideal For | Pros | Cons | Example Lenders |
|---|---|---|---|---|---|
| High Street | £2-5m | Straightforward income | Competitive rates, quick | Rigid criteria | Barclays, HSBC |
| Private Banks | £25m+ | HNW with assets | Bespoke, flexible terms | Higher fees (1%) | Coutts, UBS |
| Specialist | £10m+ | Complex/international | Fast approvals, non-standard | Premium rates | Boutique firms |
Large Mortgage Requirements and Qualification
Qualifying for large mortgages demands rigorous criteria, varying by lender and profile. Our large mortgage loans broker expertise streamlines this.
Deposit Requirements
Typically 5-40% of property value:
- £1m+ loans: 10-25% standard.
- Private banks: As low as 5% for HNW with assets.
- Specialists: Higher for complex cases.
Income Requirements
Minimum £200,000 annual for £1m+ loans; multiples of 4-5.5x earnings (higher for primes).
- Employed: 3-6 months PAYE + P60s.
- Business: 2-3 years accounts + references.
- Investments/Rentals: Statements and portfolio schedules.
Additional Costs and Fees
Factor in:
- Arrangement Fees: High street £0-£5k; private £10k+; specialist £5k-£15k.
- Valuations/Surveys: £1.5k-£5k+ for luxury properties.
- Legal Fees: £3k-£10k, including trusts/international elements.
- Ongoing: Private bank management fees.
Compare full deals via Fox Davidson to minimise costs.
Repayment Terms for Large Mortgages
Flexibility defines large mortgage repayments, prioritising cash flow for HNW borrowers. Options include interest-only, part-repayment, or staggered schedules. Example: £1m loan with 10-year interest-only, then 15-year repayment—low early outgoings for investments. Discuss structures with us to align with your goals.
Bespoke Lending Solutions for High-Value Borrowers
HNW profiles often defy standard molds. We craft solutions for complex incomes, international earnings, or portfolios via accommodating lenders.
Tax Implications of Large Mortgages
Large loans impact stamp duty (higher for £1.5m+ properties) and structuring (e.g. trusts for IHT). Consult advisors alongside our brokerage.
Insurance
Pair with specialist life cover for HNW needs—our policies ensure comprehensive protection.
Application Process
How to secure a large mortgage loan. Our end-to-end management averages 4-6 weeks. Here’s the step-by-step:
- Initial Consultation:
Assess capacity, match lenders, plan docs.
- Document Gathering:
Income proofs, assets, source of funds.
- Decision in Principle:
Quick credit/affordability review + rate indication.
- Full Application:
Submit post-property selection.
- Valuation/Survey:
Specialist for high-value assets.
- Underwriting/Approval:
Manual review + term negotiation.
Special Situations and Complex Cases
We thrive on nuances like complex income and complex property types.
International Borrowers and Foreign Income
Private/specialist lenders accommodate non-residents:
- Discount foreign income 10-20%; multi-currency options.
- AML: Enhanced KYC/source tracing.
Complex Income Structures
Beyond PAYE:
- Business: Projections on dividends/gains.
- Investments: Yields from portfolios/trusts.
- Contractors: Project-based assessments.
- Trusts: Discretionary distributions.
Our large mortgage loans broker service considers lending for all situations.
Why Choose a Specialist Large Mortgage Loans Broker?
In high-value lending, expertise trumps DIY approaches. As a top UK large mortgage loans broker, Fox Davidson delivers where others falter.
Unparalleled Lender Access
180+ relationships, including 30+ exclusives—no direct apps needed. Track record: £1m-£25m+ deals.
Specialist Expertise
Navigating internationals, trusts, and integrations with wealth planning.
End-to-End Service
Full coordination; 4-6 week timelines vs. 8-12 direct.
Fee Structure
£495 standard or commission-only (paid on completion)—risk-free alignment.
Proven Track Record
Serving professionals, investors, developers.
Case Studies:
- £4.5m Knightsbridge property: International exec; secured via Private Bank in 5 weeks despite USD bonus income.
- £2.8m Cotswolds Estate Remortgage: Business owner; released £500k equity via specialist bank.
- £7.2m Portfolio Refinance: Investor; multi-property (commercial & residential) deal with interest-only terms from large loan buy to let lender.
Testimonials:
⭐️⭐️⭐️⭐️⭐️ “Very professional service, straight to the point, very effective and always coming up with alternative solutions when issues crop up.”
⭐️⭐️⭐️⭐️⭐️ “Excellent service from very knowledgeable brokers. We thought that we were consigned to the offshore market when we remortgaged, but Sarah Fox-Clinch found us a deal on the onshore market that was better than the options we had been looking at but which we had been told by various banks were not available to us.”
Getting Started with Your Large Mortgage
Streamlined first steps for confidence:
- Free Consultation: Discuss requirements via phone/email/video.
- Offices: London & South West.
As a specialist UK mortgage broker for residential/commercial, we serve UK/international clients remotely or in-person.
Frequently Asked Questions (FAQs)
A loan from £750,000+ for high-value UK properties, with bespoke terms unlike standard deals.
Fox Davidson, offering 180+ lenders, commission-only fees, and HNW expertise for £750k-£25m+ loans.
5-40%, typically 10-25% for £1m+; negotiable for asset-rich clients.
Yes, via private/specialist lenders; foreign income accepted with 10-20% discounts and AML checks.
£200,000+ annually, at 4-5.5x multiples; flexible for complex sources.
4-6 weeks with a broker like us, vs. 8-12 direct.
As of Sept 2025: 3.75-5.50% for 2-year fixed, varying by lender/type.
Yes, £0-£25k+ arrangement; we compare to optimize.
For more, contact Fox Davidson—your partner in high-value financing.
