Large Mortgages:
£500k – £2.5m
Securing a mortgage for more than £500,000 should be straightforward if your income supports it. However, complexity often arises at this level.
Strategic Mortgage Advice for High Earners
Many high-earning professionals discover that as borrowing exceeds standard levels, lenders apply more detailed scrutiny not just to income but also to how that income is structured, its consistency, and its alignment with lender criteria. This is where outcomes can differ significantly.
At EH Financials, our focus extends beyond merely securing a mortgage; we prioritise structuring each case for clear understanding from the outset.
Why Large Mortgages Require a Different Approach
At this level, lending decisions are rarely automated and require careful interpretation. Considerations include:
- Bonuses may be averaged differently
- Dividends may be treated conservatively
- Multiple income streams may not be fully recognised
The distinction between approval and decline often lies not in the numbers themselves, but in how they are presented. This is why collaborating with a specialist is crucial.
Why Choose EH Financials
EH Financials operates as a trading style of Thomas Oliver UK, providing clients access to:
- High street lenders with enhanced underwriting flexibility.
- Specialist lenders who understand complex income.
- Private banking relationships for bespoke cases.
- Direct access to senior underwriters when necessary.
Every case is approached strategically, ensuring that income is positioned correctly, lender selection is intentional, and applications are built with the end decision in mind.
What Sets EH Financials Apart
While most mortgage brokers focus on rates and products, EH Financials emphasises structure, including:
- Positioning bonus, commission, and variable income.
- Utilising retained profits where appropriate.
- Aligning applications with lender-specific criteria.
- Managing the process end-to-end, including lender communication.
This strategic approach often results in access to lending options that may not be available through standard methods.
Who This Service Is For
This service is tailored for:
- Professionals earning £100k+ with bonuses or variable income
- Company directors and business owners
- Individuals with multiple income streams
- Clients purchasing or refinancing high-value property
Locations We Cover
EH Financials provides support across:
- London & The South-East (including Prime Central London)
- UK-wide for suitable cases
Common Questions
Can I get a £500k+ mortgage with bonus income?
Yes, but not all lenders treat bonuses equally. Some average over multiple years, while others may apply caps or exclude them entirely.
How much can I borrow at this level?
Depending on structure, some lenders may offer up to 5-6x income, but this varies significantly based on how income is assessed.
Do I need a large deposit?
Typically, deposits of 10-25% are common, but higher borrowing levels may require stronger overall financial profiles.
Is it better to go directly to a bank?
In many cases, no. Banks will assess only on their own criteria, whereas a structured approach provides access to multiple lenders aligned with your profile.
Our Specialist Mortgage Lenders Include
Request a call back from our mortgage experts today
Please provide a little about your mortgage requirements and our team will get in touch with you to arrange a call.
“Exceptional Service and outstanding results once again! We recently worked with Errol, and we could not be happier with the experience. From start to finish, his professionalism, expertise, and dedication were evident. Unlike another mortgage broker we consulted, Errol was able to secure us a significantly better deal, getting us more money with favourable terms that suited our financial needs.”