Million pound mortgages require a tailored, strategic approach that goes far beyond standard residential lending, particularly when income, assets or property types are complex.
At Holbrook Property Finance, we provide bespoke advice for high-value borrowing, helping clients secure the right solution with clarity, discretion and confidence.
Million pound mortgages are residential mortgages typically used to purchase or remortgage high-value properties, where borrowing is £1 million or more. These mortgages often sit outside standard high-street criteria due to the size of the loan, the type of property, or the borrower’s financial profile.
Lenders assess million pound mortgages using a more detailed underwriting process, with greater focus on income sustainability, assets, liabilities and overall net worth. As a result, securing a million pound mortgage is about structuring borrowing correctly to support both current lifestyle and long-term financial planning.
When arranging million pound mortgages, lender choice is critical. Not all lenders are comfortable with high-value borrowing, and many high-street lenders apply restrictive criteria that may not reflect a client’s true financial position.
At Holbrook Property Finance, we have access to the whole of the market, including specialist lenders and private banks that regularly deal with high-value and complex cases. We take time to understand your income sources, asset base, business interests and future objectives before approaching lenders aligned with your profile.
Using a broker also adds efficiency and discretion. By positioning your application correctly from the outset, we help reduce underwriting friction, avoid unnecessary delays, and improve the likelihood of a smooth and successful outcome.
Million pound mortgages can be structured in a variety of ways depending on your circumstances, property type and long-term objectives.
We regularly advise company directors, business owners, entrepreneurs and professionals with complex income structures, including dividends, retained profits, bonuses, multiple income streams and overseas earnings. In some cases, affordability may also be supported by assets or overall wealth position.
Whether you’re purchasing a prime residential property, refinancing an existing high-value home, or restructuring borrowing as part of wider financial or estate planning, we’ll help you explore suitable million pound mortgage options that align with your goals and risk appetite.
At Holbrook Property Finance, we understand that high-value borrowing requires precision, expertise and discretion. Our advisers take a relationship-led approach, ensuring we fully understand the detail before recommending a solution.
You’ll benefit from whole-of-market access — including private banks and specialist lenders — clear, strategic advice, and proactive support from enquiry through to completion. Our commitment to professionalism, integrity and delivering the right outcome is reflected in our 5 star Google Reviews and long-standing client relationships.
Deposit requirements vary depending on lender, property type and overall financial profile. We’ll assess what’s achievable based on your circumstances.
Yes. Many lenders support complex income structures, including dividends, bonuses and multiple income streams, when applications are structured correctly.
Private banks can be an excellent option for high-value borrowing, particularly where bespoke underwriting and flexibility are required.
Yes. Clients often remortgage to secure improved terms, restructure borrowing or align lending with long-term financial planning.
Timescales vary depending on complexity and lender requirements, but we manage the process closely to keep it progressing efficiently.
If you’re purchasing or refinancing a high-value property, specialist advice can make a meaningful difference.
Get in touch today to speak to a Holbrook adviser about million pound mortgages.
No pressure, no hassle — just expert, tailored support.
Holbrook Property Finance Limited registered in England at Holbrook House, 34-38 Hill Rise, Richmond TW10 6UA, number 07066135 is authorised and regulated by the Financial Conduct Authority (FRN 790387). Our charges are dependent on the loan amount and your individual circumstances. A free initial consultation will be provided, and we will explain in all cases what you will be charged before you decide to proceed with an application. As we offer a tailored service our fees can vary. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before we proceed.
