Specialist

Large Mortgage

Looking to remortgage or buy a new property?

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Large Mortgage

Clifton private finance

As a specialist broker we can help you source large mortgage loans from £500,000 on residential and buy to let property transactions in the UK

We work with select high street and private banks that will look at your requirement on a bespoke basis.

We can offer:

  • Bespoke lending solutions from £500,000 to £25M
  • Large mortgage loans - high loan to value up to 95% LTV
  • Uncomplicated approach to income & wealth
  • Large loan interest only mortgage options and offset mortgages
  • Mortgages for residential and investment properties
  • Options for short term finance (bridging), buy to let, commercial and development
  • Mortgage solutions for complex income arrangements e.g. onshore and offshore trusts
  • Investment mortgages for buy to letHMOMulti UnitAir BnBs and Portfolio landlord refinance
  • Solutions for UK expats (including seafarers), non-dom & foreign nationals buying or remortgaging UK property
  • Access to large loan teams at high street lenders, private banks & specialist lenders
  • Independent service & expert advice

2 Year Tracker

Up to £5m

4.94% APR

2 Year Tracker

Subsequent rate 6.99%

LTV - 60%

APRC 8.4%*

Product Fee £999

Free standard valuation

Early redemption charges

As of 10th January 2024

5 Year Fixed

Up to £1.5m

3.89% APR

5 Year Fixed (Remortgage)

Subsequent rate 6.25%

LTV - 60%

APRC 6.1%*

Product Fee £999

Early redemption charges

As of 10th January 2024

2 Year Fixed

Up to £1.5m

4.44% APR

2 Year Fixed (Remortgage)

Subsequent rate 6.25%

LTV - 60%

APRC 6.1%*

Product Fee £999

Early redemption charges

As of 10th January 2024

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.

*Overall Cost For Comparison

Call us on 0203 900 4322 to discuss your requirements or request a call-back at a time that suits you:
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More Opportunities »

Contact Us

Large Mortgage Service

Specialist big mortgage service:

Our service provides creative solutions for large mortgage transactions. 
Call us on 0203 900 4322 to discuss your requirements or request a call-back at a time that suits you.

Book Consultation »

The Challenge:
For larger loan requirements, when it comes to mortgages over £1 million, lenders will usually want to see a larger deposit.
Typically, many high street lenders will cap lending at 70% to 75% LTV (loan to value), e.g. on a central London property priced at £5 million as a borrower; you would be expected to deposit £1.25 million to progress the deal.
This can be a sticking point for clients who want to maintain cash liquidity but can easily afford to borrow at a high level from an affordability perspective.
The Solution:
The good news is that we work with lenders that take a more bespoke approach to mortgage lending.
Bespoke lending based on a more informed approach to a client’s circumstances means we can put in place lending solutions tailored to a client’s needs.
For example, many of our clients want to work on an interest-only basis.
Typical high street lenders will often have caps on how much can be borrowed on large loans over £1 million, restricting the interest only portion to anything from 50% to 75% LTV.
We work with banks that look at your full financial profile, which means we can often source purely bespoke lending solutions.

Recent Case:
We were able to secure a 95% LTV mortgage on a £1.9 million property.
In this case, we worked with a private bank that positively viewed the client's future earnings prospects.
With just a 5% deposit, the client borrowed £1.8 million with a blended rate on a 5 year fixed rate. £1 million was secured at a rate of 2.09% and the balance at 2.59%.

Clifton Private Finance Case Studies

Call us on +44 203 900 4322 to discuss your requirements or book an appointment using the link below.

Book Consultation »

Recent Articles:

How To Get A Large Mortgage Loan »

 
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Get in Touch

If you have any questions about our services or want to start making things happen please contact us