Logo
Global
LONDON-EYE-02-1024x778.png

Our Million Pound Plus Mortgage Services

  • Personalised solutions for international HNW & UHNW individuals
  • Bespoke lending solutions from £1 million to tens of million of pounds
  • High loan to value million pound plus mortgages - up to 100% LTV in some cases
  • £1m+  mortgages for foreign nationals, expats and non-UK residents
  • Comfortable with complex income and wealth scenarios 
  • HNW Exemption, pre-funded, rolled up and occasional use exceptions
  • Million Pound plus Interest-only mortgages, 
  • 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
Request a Callback

Million Pound Plus Mortgage Brokers

Enness is a leading authority when it comes to arranging million-pound mortgages in the UK. Our position, experience and place in the market speak for themselves.

Enness has a dedicated team of industry experts. The team have have arranged £1 million, £2 million or even several million pound mortgages in every part of the market and of a huge number of clients. We recieve recommendations and referrals from top private banks, wealth managers and other private client advisers and receive hundreds of enquiries a month.

Our £1 Million Pound Mortgage Lenders Network

We work with a global network of over 500 lenders, ranging from small building societies to challenger banks, alternative lenders and global private banks. 

We are market leaders in the million pound mortgage space and that is confirmed by our lender access and completed cases. Our combined experience allows us to understand any lending request and quickly and professionally source and negotiate terms then complete transactions cleanly. 

Million Pound Mortgage Rates

There are a vast number of million pound mortgage lenders and given most of the terms are fully negotiable having an expert on your side is vital.

Interest rates, of course, vary depending on your circumstances, your plans and the part of the market you are operating in.

Prime borrowers looking for £1 millon-plus mortgages on their homes in the UK will receive interest rates starting at about 2%. Those with more complex situations may pay a little more. We offer mortgages in every part of the market and work with hundreds of mortgage lenders daily.

Buy-To-Let Mortgages Over £1 million

Traditional rental income requirements and stress tests are not usually applied as strictly when it comes to million pound plus buy-to-let mortgages.

Instead, lenders will look at the net worth of the borrower their personal income and how interest would be serviced during void periods.

We can arrange a large buy to let mortgages even if the property isn't let.

This is a specialist part of the market and one we are very experienced in.

Why Might I Want to Take Out a Million-Pound Mortgage?

If you are a high-net-worth individual (HNWI) you might wonder why you should even consider taking out a mortgage. HNWI that don’t take advantages mortgages fail to take account of the fact that as a wealthy individual you can easily make use of cost-efficient property finance, including interest-only mortgages with privately negotiated rates. This means that you could borrow against your home and put the cash towards alternative assets.

Is it Only Bankers Who Take Out Million-Pound Mortgages?

You might initially think so, but research and Enness’ experience over the last fifteen years says otherwise.

While bankers can be typical applicants for a million-pound mortgage, many other individuals also finance prime and high-value property purchases in the UK and abroad. Enness has brokered million-pound and million-pound-plus mortgages for clients in the legal profession, individuals that work in the hedge funds or private equity sectors, career landlords, entrepreneurs and successful business owners, entertainment stars professional sports personalities – particularly footballers.

What Kind of Brokers Offer Million-Pound Mortgages?

Enness brokers million-pound mortgages in the UK and abroad for high-net-worth individuals, entrepreneurs and business owners, including non-resident borrowers.

While both private and international banks are responsible for most of the million-pound mortgages, high street lenders also offer these mortgages. New lenders are continually entering this part of the market, including niche, alternative and invitation-only lenders. Enness is always among the first brokers to connect with these lenders and offered new products. This makes us an especially good choice of broker to turn to, whatever type of mortgage you are looking for.

How Can Enness Help Me if I Want This Kind of Mortgage?

Enness is one of the leading brokers of million-pound mortgages in the UK. The firm is ideally positioned to assist you, if you are looking for a high-value mortgage or if you wish to purchase prime or luxury property. With an expert team of brokers, Enness is also able to help you broker large mortgages if you have unique requirements that need to be considered in the process. Thanks to Enness, you will benefit from access to exclusive lenders who work with a limited number of brokers or that might not deal directly with new clients, but who prefer introductions.

Are Million-Pound Mortgages Set to Further Rise in Popularity?

The UK – London in particular – offers some of the world’s most exclusive and prime real estate. There is always a market for these properties, and UK house prices have a track record of continued appreciation, so million-pound mortgages will continue to be in high demand. In particular, these loans are often used for purchasing “trophy properties” in central London. London remains a property hot-spot, and as desire for high-value properties remains high, million-pound mortgages will continue to be crucial in the foreseeable future as buyers purchase these assets.

How Much Does a £1,000,000 Mortgage Cost?

A £1 million mortgage with an interest rate at 1% per annum (the lowest we have seen in the last few years) on an interest-only basis would cost £833.33 per month. 

How Much Deposit for a £1 Million Pound House?

To achieve that you would normally need to be a UK resident, have an income over £300,000 per annum, be able to provide a 40% deposit and have a clean credit history.

We will find the best mortgage terms no matter your circumstances.

rsz_1older_borrower_cottages_2-01.png

Do We Have a Million Pound Mortgage Calculator?

We have decided not to create or use a 1 million pound mortgage calculator on our website because everything we do is individually negotiated and prepared for each of our clients.

Our team of experts are on hand every day of the week to answer questions, run calculations and give advice - so let us do the hard work!

Schedule A Callback

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.