Large Mortgage Loans

We help high-net-worth and sophisticated clients to secure the best large mortgage loans on their UK and worldwide properties.

With access to more than 500 lenders, we have experience with every type of mortgage. From high-end, buy-to-let properties to a dream family home, our team has the expertise to provide the ideal mortgage solution for you.  

Specialists in this unique part of the market, Enness makes obtaining a large mortgage straightforward. As well as identifying the most advantageous large mortgage rate for you, we act as your trusted partner throughout the purchasing process. 

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Large Mortgage Loans

Our Large Mortgage Based Services

  • Personalised solutions for international HNW & UHNW individuals
  • Bespoke lending solutions from £1m with no upper limit - our largest mortgage to date is £150,000,000
  • Large mortgage loans - high loan to value up to 100% LTV with additional security
  • Large UK mortgages for foreign nationals, expats and non-residents
  • An open-minded and creative approach to income & wealth documentation
  • HNW Exemption, pre-funded, rolled up and occasional use exceptions
  • Interest-only mortgages, Blended and Part and Part mortgages
  • Mortgages for residential and investment properties
  • Mortgage solutions for complex ownership structures (onshore and offshore trusts, limited companies, foundations, funds and more)
  • Access to large loan teams at high street lenders, private banks & specialist lenders
  • Independent, discreet and responsive service

Our Large Mortgage Lenders Network

We have access to more than 500 lenders who regularly offer large mortgage loans. Our network is made up of private banks, alternative lenders, high street banks and building societies. 

Obtaining a large mortgage by yourself can be stressful and takes significant time. Enness acts as your ally throughout the property purchasing process, always acting in your best interests. We identify the best lenders, approach them and negotiate the best deal for you, all while playing a pivotal role in ensuring the whole transaction is streamlined and smooth. 

What Large Mortgage Rates Can We Provide?

Large mortgage interest rates will vary depending on your personal situation, plans for the property and the part of the market you are operating in. 

Prime borrowers looking for mortgages on UK properties will receive interest rates in the 1-2% range. If you have a complex situation, you may pay a little more. 

Our track record, dedication and network mean we know where to find the best rates and what needs to be done to secure the most competitive terms for you, whatever your circumstances.

Large Buy-To-Let Mortgages

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.

Large Deposit Mortgages

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.  

Large International Mortgages

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.

Large Mortgages: How We Work

Large Mortgages: How We Work

Purchasing a property - especially one that requires a large mortgage loan - can be stressful. Negotiation, understanding terms, dealing with paperwork and the different parties involved in the process is challenging. For this reason, our role extends beyond getting you the most advantageous mortgage rate and terms. Enness is here to support you throughout all aspects of the property purchasing process; nothing is too much to ask, and no task is too small.

We are used to sophisticated, global clients who have complex personal situations. Whatever your circumstances, we offer honest, straightforward advice to explain what your options are, how to secure a perfect deal, and the different ways we can help you.

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High Net Worth Guide to UK Mortgages

The UK is home to one of the most liquid, competitive, and complicated mortgage markets in the world.

There are hundreds of mortgage providers who lend in the UK, from major international banks to niche building societies and alternative lenders. Each lender has their own specialisation and position in the market where they excel. They also have lending criteria, interest rates, processes and oddities which are specific to them.

The UK has a considerable number of lending channels. There are regulated mortgages, unregulated mortgages, buy-to-let finance, bridging finance, commercial mortgages and more. It’s easy to see why the lending market is so complicated. The UK’s finance options are plentiful.

There are huge pools of liquidity (some of it incredibly cheap) and you can enjoy flexible lending terms. If you are a foreign national, expat, a high-net-worth individual, are self-employed, have significant assets but relatively low taxable income or anything in between, the UK mortgage market will have an option for you.