Large Mortgage Loans

Securing buy-to-let mortgages for properties at the top end of the housing market requires special expertise, and our experience in this space makes all the difference when it comes to obtaining the most attractive large mortgage for your buy-to-let property. 

Traditional rental income requirements and stress tests are generally not applied as strictly when it comes to buy-to-let properties that require large mortgages. Instead, lenders will look at your net worth, personal income and ability to pay interest during void periods.

We help you understand the different lenders' approaches and make sense of the complex landscape for buy-to-let properties that require large mortgages. We will guide you through the buying process, negotiating the best large mortgage rates and terms for you, even if your property isn't currently rented.

The size of your deposit typically influences which interest rates lenders are willing to offer for large mortgage loans. Generally, the lower the loan-to-value ratio, the more competitive the mortgage rate we will be able to secure you.

It is possible to benefit from putting down a large deposit in other ways, however. Some lenders will offer lower-income requirements or request less paperwork to qualify, for example. 

Whatever you plan to put down as a deposit on your property, we will analyse your situation and, based on this information, capture the best large mortgage deal possible.  

Our clients are international, and we arrange large mortgages worldwide for primary residences, investment properties and holiday homes. From major European property hotspots to the Middle East and from Asia to the Americas, we have the contacts and ability to negotiate the right international mortgage for you. 

Our international outlook, experience and hands-on, multi-lingual team mean we are ideally placed to help international borrowers with global property holdings.

Lenders look at overall net worth, income, assets, property value, and your repayment strategy. Enness helps structure large loans, even for clients with complex or international income profiles.

Yes, many high-net-worth borrowers have non-traditional income, such as bonuses, dividends, or offshore earnings. Enness packages your case to highlight overall wealth and repayment strength, not just headline salary.

Some lenders offer asset-based or interest-only mortgages, secured against your investment portfolio, real estate, or other high-value assets. This can be ideal if you have wealth but limited traditional income.

A large mortgage typically refers to borrowing at the higher end of the market, often starting from around £1 million and extending significantly higher depending on the property value and borrower profile.

While standard mortgages are usually assessed using conventional affordability models such as salary multiples and basic income verification, large mortgages are more likely to involve bespoke underwriting. Lenders may take a broader view of wealth, including assets, investments, business ownership, international income, and overall net worth.

Large mortgages also tend to involve more specialist lenders, including private banks and international institutions, and may offer greater flexibility in structure, such as interest-only terms, multi-currency borrowing, or tailored repayment strategies.

Because of the increased complexity and wider lender variation, working with an experienced broker is key to securing the most appropriate structure, pricing, and lending terms for high-value borrowing.