Large Mortgages:
£2.5m – £5m
When it comes to borrowing above £2.5 million, mortgage advice shifts from a focus on affordability to a deeper assessment of profile.
Bespoke lending for high-net-worth clients
For large mortgages lenders evaluate not only income but also assets, liquidity, long-term strategy, and overall financial strength. This is where private banks and specialist lenders play a crucial role.
A More Bespoke Approach to Lending
At this level, lending decisions are often manual, with each case assessed individually. Income sources may include:
- Complex bonus structures
- Business profits and retained earnings
- Investment income
- International earnings
Standard lending models often fail to capture the complete financial picture, necessitating a tailored approach.
Why EH Financials
As part of one of the UK’s largest financial networks, EH Financials offers access to:
- Private banks providing bespoke underwriting
- High-value lending specialists
- Flexible structures, including interest-only and offset mortgages
- Direct relationships with decision-makers
This enables a more nuanced approach to structuring high-value borrowing.
What Makes This Different
Mortgage advice at this level is integrated into a broader financial strategy. Key focuses may include:
- Preserving liquidity rather than simply reducing borrowing
- Structuring interest-only solutions
- Aligning lending with investment strategies
- Coordinating with wealth managers and accountants
This is not merely transactional advice; it is strategic.
Who This Is For
- High net worth individuals
- Business owners with significant retained profits
- Professionals with income exceeding £250k+
- Clients purchasing prime or super-prime property
Locations We Cover
- Prime Central London
- Greater London
- South-East England
- UK-wide and international clients with UK property interests
Common Questions
Do private banks offer better mortgage terms?
Not always cheaper, but often more flexible, especially for complex income or high-value cases.
Can I get an interest-only mortgage at this level?
Yes, provided there is a clear repayment strategy. Many lenders are more open to interest-only structures at this level.
How are assets considered?
Assets can strengthen an application, particularly where liquidity or investment portfolios are involved.
Is the process different from standard mortgages?
Yes. It is typically more detailed, but also more flexible in how decisions are made.
Our Specialist Mortgage Lenders Include
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“Errol was amazing and really helped guide us with obtaining a let to buy mortgage and a residential mortgage on our second home. He took the time to explain everything very clearly to us and was available whenever we needed to talk. We felt like we were in good hands throughout our mortgage application and we couldn’t have done it without him!”