Large Mortgage Loans — Specialist Finance for High-Value Properties
Standard lenders have standard limits. When you need to borrow £500,000 or more — against complex income, multiple income streams, or a high-value property — you need a broker with access to private banks and specialist underwriters who actually understand your situation.
Home Me Mortgages works with Coutts, Investec, Handelsbanken, Barclays Wealth, and a range of specialist lenders not accessible to the public. We've secured mortgages of up to £10M+ for clients across the Thames Valley and beyond.
Large-loan cases we structure
High-net-worth residential purchases
Complex income across salary, dividends, and retained profits
Private banking and specialist lender cases
Time-sensitive purchases with bespoke underwriting
Confidential advice, direct access to specialist lenders, and a clear process without an old inline callback form blocking the page.
When Standard Products Don't Cut It
High-Value Lending Requires a Different Approach
Standard mortgage products are designed for standard situations. If you're a company director drawing a modest salary with significant dividends, a business owner with retained profits, or a professional with international income streams, a high street lender will often underassess your affordability — or decline you entirely.
We work with private banks and specialist lenders who understand how wealth is actually structured — and who have the flexibility to provide bespoke underwriting that reflects your true financial position.
- Flexible income assessment — salary, dividends, retained profits, bonus
- Bespoke underwriting — no automated scoring
- Competitive rates — often better than standard products
- Higher borrowing multiples for complex income profiles
Who We Help
Who Needs a Large Mortgage Loan?
High Earners & Executives
Senior professionals, partners, and C-suite executives with complex compensation — base salary, bonus, equity, and deferred payments — whose total income is significantly higher than their PAYE alone.
Self-Employed & Business Owners
Directors who take modest salaries and draw profits as dividends, or retain funds within the business. We work with lenders who assess your full financial picture — not just what you draw.
International Buyers
Clients with income in foreign currencies, assets overseas, or who are non-UK domiciled. We have access to lenders who actively work with international applicants and multi-currency income.
Property Investors
Portfolio landlords and property investors looking to expand existing holdings. More than four properties? We understand the portfolio landlord rules and the lenders who apply them sensibly.
Downsizers & Equity-Rich Buyers
Clients selling a large family home and purchasing in a different location or downsizing significantly. Equity-rich buyers with lower income need lenders who weight assets alongside income.
Family Office & HNW Clients
Ultra high-net-worth individuals whose income structures include trusts, offshore holdings, investment portfolios, and pension income. Discreet handling and non-publication of financial details is standard.
Flexibility
Loan Structures Available
Large mortgages are rarely one-size-fits-all. The structure of your loan matters — interest rate type, repayment method, and flexibility all affect total cost and cash flow.
Capital Repayment
Pay down both interest and capital each month. The mortgage reduces to zero over the term. The standard approach for primary residences.
Interest-Only
Pay only the interest each month. Capital remains static until the end of the term or an agreed repayment event. Common at the higher end — especially with investment portfolios or property assets as the repayment vehicle.
Offset Mortgage
Link your savings or current account to the mortgage. The savings balance offsets the mortgage balance, reducing the interest charged. Particularly efficient for high earners holding cash reserves.
Flexible Mortgage
Overpay when income is strong, underpay in leaner months, or take payment holidays if needed. Suits business owners and those with variable or cyclical income.
Fixed Rate
Lock in a rate for 2, 3, 5, or 10 years. Provides certainty over monthly outgoings. Particularly useful on a large loan where even small rate movements create significant payment variation.
Tracker / Variable
Rate moves in line with the Bank of England base rate. If you expect rates to fall — or want to take advantage when they do — a tracker can significantly reduce interest costs on large balances.
Interest-only and offset mortgages are particularly common on large loans — preserving liquidity and allowing investment returns to outpace mortgage costs. We'll talk through which structure makes most financial sense for your situation.
Income Assessment
We Work With Complex Income Structures
The right lender can include income sources that most high street banks ignore entirely.
Salary + Bonuses + Equity
Base salary, regular and discretionary bonuses, share schemes, deferred compensation, and LTIP payments. We work with lenders who take a holistic view of total compensation packages.
Profit + Dividends + Retained
Net profit from sole trader accounts, director dividends, salary, and retained profits within the company. The right lender can use your true income — not just what you draw.
Rental + Dividends + Trusts
Rental income from property portfolios, share dividends, trust distributions, and investment returns. Multiple income streams assessed together rather than treated in isolation.
Pension + International
Pension income for older buyers, international income in foreign currencies, and offshore assets. Specialist lenders for non-UK domiciled and multi-currency applicants.
"We had a complex structure — income from three separate business interests, a currency mismatch between our income and the property, and a tight timeline. Home Me navigated it all. They found us a rate and structure we genuinely couldn't have accessed on our own."
— Richard & Sophia K., Company Directors, Marlow
Complex Situations We Handle
If Your Situation Is Complicated, That's Where We Earn Our Fee
Most brokers deal with straightforward cases. The complex situations — where the right answer isn't obvious and the wrong lender costs you significantly — are where specialist advice pays for itself many times over.
If any of the following apply, talk to us before approaching a lender directly.
- Self-employed with fluctuating income across multiple entities
- International income in foreign currencies
- Portfolio landlords with 4+ properties
- Directors taking low salary and high dividends
- New build properties above £1M
- Significant acreage or non-standard construction
- Fast-track completion required (2–3 week deadlines)
- Interest-only without a traditional repayment vehicle
- Multiple properties with complex ownership structures
Why Home Me Mortgages
Built for High-Value Lending
Specialist Lender Access
Coutts, Investec, Handelsbanken, Barclays Wealth, and specialist lenders not accessible to direct applicants. These lenders do bespoke underwriting — not automated scoring.
25+ Years in Premium Finance
We have the relationships and track record that specialist lenders expect when they take on complex, high-value cases. That matters in an underwriting culture where the broker relationship is part of the decision.
Complex Income Expertise
We structure and present complex income cases properly — so lenders see the full financial picture rather than an incomplete assessment that undersells your affordability.
Whole-of-Market
We're not tied to any single lender group. Every recommendation is independent, and we compare the full range of appropriate options before making a recommendation.
Discretion & Confidentiality
High-value clients expect — and receive — complete confidentiality in how their financial details are handled throughout the process.
Local Thames Valley Expertise
Deep knowledge of the Thames Valley property market — from Marlow and Windsor to Henley-on-Thames and Gerrards Cross — where high-value properties are the norm, not the exception.
Local Knowledge
Thames Valley, The Chilterns, and Nationwide
Our client base is concentrated in the high-value property corridors of Berkshire and Buckinghamshire — where house prices regularly exceed £1M, properties include significant grounds, and buyers need lenders with flexible valuation and underwriting approaches.
We work with clients across the UK too. Everything can be handled remotely — discreetly and efficiently.
If you want local context around the areas closest to us, our Marlow mortgage broker page covers the Thames Valley locations we most often support.
Common Questions
Large Mortgage FAQs
Is there a maximum loan size? +
Can I get a large mortgage if I'm self-employed? +
How do lenders handle international income? +
Are rates better or worse on large mortgages? +
How long does the process take? +
Can I get an interest-only mortgage on a large loan? +
I need to move quickly on a purchase — can you help? +
Can I port my existing large mortgage? +
Complex Situation? Let's Talk.
A confidential conversation costs nothing. We'll assess your situation, explain what's available, and tell you exactly which lenders are most likely to say yes — and at what terms.
Or call us on 01628 884 693