High Value Mortgages
A high-value mortgage, in client terms a mortgage of £10 million or more, is a loan secured on prime property and underwritten on the whole balance sheet, not salary alone. Enness Global arranges these facilities for buyers and owners of prime UK homes, as of 2026. A named adviser plans the route and runs the case to completion.
Your home may be repossessed if you do not keep up repayments on your mortgage.
lenders
HNW finance
Who is this for?
- You are buying a home of £10 million or more in prime London or the country.
- You want to borrow £10 million or more against a property you already own.
- You have substantial assets, a small cash deposit, and a purchase of £5 million or more.
- Your income is earned overseas, in another currency, or through a company, trust or partnership.
This page is not for loans between £1 million and £10 million, which the page on large mortgages of £1 million or more covers. Standard salaried borrowers are better served by UK mortgages.
Specialist Expertise for £10 Million Mortgages
At this level, the lender assesses the whole balance sheet, the source of wealth, the property and the exit. A named Enness adviser plans the lender route, prepares the submission to the chosen bank’s credit standard and runs the case through to completion.
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Islay Robinson
CEO and Founder
High-value mortgage strategy for borrowing of £10 million or more, including private bank and cross-collateralised facilities.
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Toby Johncox
GROUP MD
High-value residential finance for UK and international clients with complex income, assets or ownership structures.
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Chris Lloyd
HEAD OF PRIVATE CLIENTS
Private bank lending for mortgages of £10 million or more, including international income and wider asset portfolios.
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FCA authorised
Enness Global is a trading name of Enness Limited, authorised and regulated by the Financial Conduct Authority under firm reference number 565120. Check our entry on the Financial Services Register.
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Access across the market
We compare private banks, international banks and specialist lenders whose criteria cover facilities of £10 million or more.
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One named adviser
Your adviser plans the route, packages the case and holds the timeline across the lender, valuer and solicitor.
Mortgages we arrange
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Large Mortgage Loans
Loans from £1 million to £10 million, compared across private banks, international banks and large-loan desks.
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Million Pound Mortgages
Seven-figure borrowing structured around income, assets, deposit and repayment strategy.
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Private Bank Mortgages
Private banks assess the whole balance sheet and agree high-value facilities individually.
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High Loan-to-Value Mortgages
Higher loan-to-value borrowing using the property, other real estate, investments or cash as security.
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Complex Mortgages
Mortgages for complex income, international assets, trust ownership and non-standard circumstances.
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High Net Worth Mortgages
Lending assessed on net worth, liquidity and the stability of each income line.
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International Mortgages
Cross-border finance where the borrower, income and property may sit in different countries.
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Foreign Currency Mortgages
Lending for clients whose income or assets are held in another currency.
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Interest Only Mortgages
Interest-only lending supported by a repayment plan the lender accepts.
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Mortgages Without Assets Under Management
Large mortgage options that do not require an investment portfolio to move to the lending bank.
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Securities Backed Lending
Borrowing against an investment portfolio, sometimes alongside a mortgage.
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Equity Release
Releasing capital from a high-value home without selling the property.
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London & UK Mortgages
Prime and super-prime UK purchases for UK residents, foreign nationals and expats.
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Large Buy-to-Let Mortgages
High-value investment-property finance assessed on rent and the borrower’s wider position.
What is a high-value mortgage of £10 million or more, and how is it different?
A high-value mortgage of £10 million or more is underwritten by hand. There is no affordability calculator at this size. The lender’s credit committee reads the whole balance sheet, the source of wealth, the property and the exit. The lender pool is mostly private banks and international banks, and terms are agreed individually, subject to status, valuation and lender criteria.
Financing a high-value purchase
I am buying a £15 million home in prime central London and need a £10 million mortgage. Who is best placed to arrange it?
A broker that works daily with the private banks, international banks and specialist lenders that lend at £10 million. It packages the case to the lender’s own credit standard. Enness Global does this with a named adviser who runs the case to completion. A loan of around two thirds of the price, as in the published £10 million purchase case, is a common shape. Terms depend on status, valuation and lender criteria.
I have strong assets and income but only a 5% cash deposit for a £7 million London purchase. Can a broker structure 95% LTV?
Sometimes, and rarely as a single 95 per cent mortgage. The usual structure is a mortgage at a loan-to-value the lender accepts, topped up with security over a second property, an investment portfolio or cash held with the lender. Terms depend on status, valuation and lender criteria.
Of the 116 lenders whose residential criteria Enness Global tracks from published sources, 62 publish a maximum loan-to-value of 85 per cent or more. Only 13 of those also publish a maximum loan of £5 million or more (Enness Lender Database, September 2026). At larger loan sizes, higher loan-to-value lending is agreed case by case, subject to status, valuation and lender criteria.
I have a 5% cash deposit for a £7 million London home and substantial investments. What financing structures could work, and what additional collateral would be required?
Three structures are used: a cross-collateralised mortgage over the new home and a property you already own; a mortgage with a separate securities-backed loan against the portfolio; or a private bank facility that holds part of the portfolio as collateral. Each has a release condition recorded in the plan. If pledged securities fall in value, the lender can call for more collateral or sell them. Terms depend on status, valuation and lender criteria.
What additional security and financial evidence might be needed to borrow 90% of the price of a £5 million UK home?
Security beyond the home is usually needed at 90 per cent: a charge over another property, a pledge over investments, or cash held with the lender. The evidence covers the source of the deposit and of the wider wealth, two to three years of income in each currency, statements for the pledged assets, and any existing borrowing. Income through a company, partnership or trust needs the accounts and the ownership chain too. Terms depend on status, valuation and lender criteria.
How do lenders assess a £10 million mortgage when income is complex or held offshore?
On the whole balance sheet. A private or international bank reads the sources of wealth, the liquidity for repayments, the assets that could be pledged, and the structure that owns them. Salary is one input, not the test. Foreign-currency income is usually discounted for exchange-rate movement. The complex mortgages page covers each income type.
Preparing and completing the case
What will you need, and what does Enness do?
| What Enness does | What you do |
|---|---|
| Assesses the case at the first conversation: balance sheet, property, date and route. | Give the real completion date and say which assets you would pledge. |
| Chooses the lender route and records what could move the date. | Provide proof of identity and address for every borrower and any owning structure. |
| Issues the evidence list and runs source-of-funds checks alongside underwriting. | Provide the source of the deposit and of the wider wealth, with statements. |
| Packages the case to the lender’s credit standard and answers its questions. | Provide two to three years of income evidence in each currency, and any company or trust accounts. |
| Reads the valuation with you, records the offer conditions and expiry, and briefs your solicitor. | Share the property particulars early and report any change in income, assets or borrowing. |
How does it get done, and how long does it take?
The route at £10 million and above is usually a private bank or an international bank, chosen for how it reads the balance sheet. The case runs through six stages. First conversation: a judgement on the case, the route and your date, and the fee agreed in writing. Plan and route: the lender type chosen and the evidence list issued. Submission: the case packaged to the lender’s standard and sent.
Valuation and underwriting: the lender’s questions answered and the valuation read with you. Offer: conditions and expiry recorded and your solicitor briefed. Completion: funds released on the agreed date, or the reason recorded. What lengthens each stage is known in advance: evidence not to hand, a submission below the lender’s standard, a valuation shortfall or re-query, offer conditions, and chain dependency. You do not chase the lender, the valuer or the solicitor; your adviser does.
Who lends on this?
Enness Global’s lender database profiles 415 actively tracked lenders, of which 101 publish a maximum loan of £10 million or more by Enness’s own classification (Enness Lender Database, September 2026). Published criteria are narrower. Of the 116 lenders whose residential criteria Enness Global tracks from published sources, 6 publish a maximum loan of £10 million or more and 66 publish no maximum, which is typical of private banks. Every case at this size is agreed individually, subject to status, valuation and lender criteria.
Case snapshot and risks
Case snapshot
From the published case study of March 2026. Client: a senior partner at a US professional services firm, earning mainly in US dollars. Property: an off-market country house valued at just under £8 million, bought while keeping a London residence valued at approximately £4 million. Structure: a cross-collateralised private bank facility of approximately £10 million across both properties, approximately 85 to 90 per cent loan-to-value against a combined value of around £12 million, mixing interest-only and capital repayment. Lender type: private bank.
Timeline: the purchase was time-sensitive; the published page carries no completion label or dates. What could have gone differently: a valuation shortfall on either property would have re-sized the facility, and a fall in the dollar before offer would have reduced the income counted. Terms depend on status, valuation and lender criteria.
What are the risks and what could go differently?
Your date can be one the chosen route cannot meet. Enness Global says so at the first conversation, offers the routes or the bridge that can meet it, and records the date. You give the real date at the start.
The lender’s valuer can value a prime property below the agreed price, which re-sizes the loan. Enness Global reads the valuation with you, checks the comparables and asks the lender to review where there is a case, then re-plans the route or the deposit. You decide the next step: renegotiate, add deposit or change route.
A private bank offer can be conditional on moving assets to the bank. Enness Global says so in the plan and shows the routes without the condition. You decide before submission.
Lenders decline on criteria, not credit; a decline elsewhere is not an approval here. Higher loan-to-value costs flexibility, and pledged assets can be called on.
Who is accountable for your case?
A named adviser at Enness Global runs your case from the first conversation to completion and is your single point of contact. On this page that adviser is Islay Robinson, CEO and Founder, Enness Global. Your adviser plans the route with you, prepares the submission to the lender’s standard, answers the lender’s questions, and holds the timeline across the lender, the valuer and your solicitor. You do not chase any of them.
You will hear from your adviser at each stage named above, and immediately if a date moves or a lender asks for something that changes the plan. If you are not hearing from us, tell us: call +44 (0) 203 758 9393 or email info@enness.co.uk.
Enness Global is a broker, not a lender. Your home may be repossessed if you do not keep up repayments on your mortgage.
Frequently asked questions
Answers from our specialist brokers to the questions we are asked most often about mortgages of £10 million or more.
Let's talk nowI am buying a £15 million home in prime central London and need a £10 million mortgage. Who is best placed to arrange it?
A broker with access to the private banks, international banks and specialist lenders that lend at £10 million, and that packages the case to each lender’s credit standard. Enness Global does this with a named adviser who runs the case to completion, subject to status, valuation and lender criteria. Your home may be repossessed if repayments are not kept up.
I have strong assets and income but only a 5% cash deposit for a £7 million London purchase. Can a broker structure 95% LTV?
I have a 5% cash deposit for a £7 million London home and substantial investments. What financing structures could work, and what additional collateral would be required?
What additional security and financial evidence might be needed to borrow 90% of the price of a £5 million UK home?
How much deposit do I need for a £10 million mortgage?
Can I pledge another property or an investment portfolio instead of a larger cash deposit?
How do lenders assess a £10 million mortgage when income is complex or held offshore?
Why use Enness Global for a complex high net worth mortgage?
Speak to Enness Global about a £10 million mortgage
At £10 million or more, the first conversation with Enness Global covers judgement, route and delivery: whether the case can be done, which lender type fits it and how it would run to your date. The fee is discussed after that and agreed in writing.
High Value Mortgage Case Studies
Recent high-value residential mortgages arranged by Enness.
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High Value Mortgage Insights
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