1 / —
Press → or Space to advance
⚠ Risk Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.  ·  MakeMyMortgage is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.
🏛️ UK Large Loan Mortgage Guide

High-value borrowing
demands a specialist broker.

Large loan mortgages operate in a different part of the market. Lender criteria, underwriting processes and rate structures differ significantly from standard residential lending.

£500k+
typically defined as a "large loan"
Bespoke
underwriting for each application
Private
banks enter market above £1M+
Defining Large Loans

Where does a mortgage
become a large loan?

There's no universal threshold, but lenders typically apply enhanced scrutiny above certain borrowing levels — and different criteria apply at different tiers.

Standard
£0–£500k
High-Street Lending
Standard criteria and automated underwriting. Most high-street lenders comfortable in this range with normal income multiples.
Large
£500k–£1M
Enhanced Underwriting
Manual underwriting more common. Lenders review income more carefully. Wealth context and assets can matter. Fewer lenders active at this level.
High Value
£1M–£2M
Specialist & Private Bank Territory
Specialist lenders dominate. Private banks start to become relevant. LTV requirements often tighter. Bespoke rate negotiation possible.
Super Prime
£2M+
Private Bank & Relationship Lending
Private banks and specialist lenders. Holistic wealth review. Rate and terms often negotiated on a case-by-case basis.
Underwriting Differences

Large loan underwriting
is a different world.

Standard income multiples still apply — but lenders look much further than the payslip for large loan applications.

Standard Mortgage
Automated credit scoring
Income multiples applied mechanically
3 months payslips or SA302s
Standard LTV tiers (60%, 75%, 80%)
Decision in days
Large Loan
Manual underwriting by senior credit team
Wealth context matters — assets, investments, pensions
2–3 years of accounts for complex income
LTV often capped lower (e.g. 75% at £1M+)
Process can take longer — preparation is key
Complex Income

Large loan lenders
understand complex income.

Many large loan borrowers have sophisticated income structures. The right lender can accommodate these where high-street lenders cannot.

📊
Bonus & Commission
Many specialist lenders consider 100% of bonus income with the right track record — rather than discounting it heavily as high-street lenders often do.
🏢
Ltd Company Directors
Salary + dividends, salary + net profit, or a combination. Lenders who understand business structures can lend significantly more.
🌍
Foreign Currency Income
Income paid in USD, EUR or other currencies can be considered by specialist lenders — often with appropriate haircuts applied.
📈
Investment Income
Dividends, rental income from portfolios and investment returns can be factored in — particularly relevant for high-net-worth applicants.
💼
Retained Profit
Some private banks and specialist lenders look at retained business profit — not just the income drawn — giving a more complete picture.
💰
Wealth as Context
Assets, investments and pension funds can be used as context for affordability — even if not direct income sources.
Loan to Value

LTV tightens
as loans get larger.

The percentage you can borrow against a property's value typically decreases as the loan size increases. Understanding this shapes your deposit requirement.

🏠
Up to £500,000
Up to 90% or 95% LTV available in the right circumstances. Standard high-street lender range. Widest product choice available.
🏘️
£500k – £1M
Most lenders comfortable to 75–80% LTV. A smaller number offer up to 85%. Product choice narrows; specialist criteria increasingly relevant.
🏛️
£1M – £2M
75% LTV is common. Some specialist lenders extend to 80% in specific circumstances. Larger deposit requirement at this level is typical.
🌆
£2M+
Private bank territory. LTV often 60–70%. Terms negotiated individually. Relationship and full financial picture presented to lender.

LTV thresholds vary by lender and are subject to change. Your actual options will depend on your full financial profile and the property.

The Process

Preparation is
everything for large loans.

A well-packaged large loan application significantly improves the outcome. We build your case thoroughly before approaching lenders.

Step 1
Full Financial Review
We understand your complete income picture, assets, liabilities and wealth context before anything else.
→
Step 2
Lender Strategy
We identify lenders from our comprehensive panel who are best placed for your specific loan size and income profile.
→
Step 3
Document Preparation
Accounts, SA302s, bank statements, and investment summaries prepared, organised and reviewed before submission.
→
Step 4
Application & AIP
Formal application submitted. Agreement in Principle secured as a foundation for your property purchase.
→
Step 5
Offer & Completion
Valuation, mortgage offer, exchange and completion — with us managing every step of the process.

An Agreement in Principle shows how much you may be able to borrow based on the information you provide. It is not a mortgage offer and is subject to full application and credit assessment.

The MakeMyMortgage Difference

Large loans need
a broker who knows the market.

🌐
Specialist Lender Access
We offer advice across a comprehensive panel of lenders representative of the whole of the market — including private banks and specialist large-loan lenders not available direct.
🎯
Complex Income Expertise
We understand the difference between how each lender treats bonuses, dividends, foreign income and retained profit — and place you with the lender best suited to your profile.
🔍
Proactive Document Checks
We thoroughly review all your documents before they reach the lender — catching potential issues early and giving your application the best possible start.
🛡️
Regulated, Expert Advice
Providing regulated advice and working for you. Expert, tailored advice on the full range of options available for your borrowing requirement.
🔒
Discreet & Professional
We understand the importance of privacy for high-value transactions. Your information is handled with care and professionalism throughout.
💷
Broker-Only Rates Available
Some mortgage rates, particularly at larger loan sizes, are only accessible through brokers and are not available by going direct.
Get Started Today
Borrowing at scale? Let's talk.
Confidential. Expert. No obligation.
makemymortgage.co.uk →
Regulatory Information

Your Rights & Our Status

⚠️ Important Risk Warning
Your home may be repossessed if you do not keep up repayments on your mortgage.
🏛️ Our Regulatory Status
MakeMyMortgage is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.
💷 Fee Information
We may charge a broker fee for our mortgage advice service. Our fee will be discussed and agreed with you before any work begins. Our typical fee is £299 but this can vary depending on the complexity of your mortgage needs. Our fee will be discussed and agreed with you before any work begins.
📞 Contact Us
MakeMyMortgage  ·  makemymortgage.co.uk  ·  This guide is for information purposes only and does not constitute personal mortgage advice. Information was correct at time of publication and is subject to change.

We offer mortgage advice based on a comprehensive panel of lenders representative of the whole of the market. We do not offer advice across all available products from all lenders. Personalised mortgage advice is available on request. The guidance contained within this document is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.