Bigger numbers require bigger thinking and that’s exactly where we come in.
Whether you are purchasing a high-value property, refinancing a portfolio or your income structure isn’t so clear-cut, we know exactly how to put your case together and get it in front of the right lender.
By working with lenders that aren’t available to every broker, we have access to the most competitive large loan rates on the market and your dedicated advisor will ensure you get the best possible terms, however complex your situation. We’re clever like that.
We don’t just “find rates.” We guide you through the entire process and liaise with all parties (including your accountant and solicitor), so nothing gets missed.
So, whether you are releasing equity from a high-value home, purchasing through a trust or complex ownership structure, or buying out a business partner, we’re clever about the details, so you don’t have to be.
Bigger numbers require bigger thinking—and that’s exactly where we come in.
At Clever Lending, we specialise in large and complex loans where standard approaches fall short. Whether you’re buying a high-value property, refinancing a substantial portfolio, or your income and ownership structure isn’t straightforward, we know how to package the detail and place it with the right lender.
By working with private banks, specialist and challenger lenders that aren’t available to every broker, we access competitive large-loan rates and bespoke structures. Your dedicated adviser handles the full process—from initial sense check through to completion—ensuring you receive the strongest possible terms, however complex your circumstances.
We don’t just find rates.
We manage the details, coordinate with your solicitor and accountant, and keep the process moving—so nothing gets missed and nothing comes as a surprise.
Whether you’re releasing equity from a high-value home, purchasing through a trust or company structure, or buying out a business partner, we’re clever about large loans—so you don’t have to be.
Send the outline: property type, loan amount, borrower profile and any quirks. We will come back within 24 working hours with target lenders and the likely structure of your loan.
Once this is approved, we will request a signed Decision in Principle (DIP), then instruct a property valuation and set out any conditions in clear terms.
We keep the legal process moving and update you at every stage. If, for whatever reason, a date shifts, you’ll hear it from us first (along with a new date).
completed in 7 working days; refinanced to BTL in month 3.
75% LTV bridge; tidy-up; sold in 10 weeks.
Purchase at auction → refurb bridge; exited onto HMO BTL on completion.
(Anonymised; figures indicative.)
Most lenders consider a large mortgage to be anything above £500,000, with high-value lending typically starting at £1 million and above.
Absolutely. Many of our HNW clients have income from multiple sources including dividends, retained profits or overseas earnings. We work with a diverse panel of lenders who take a holistic view of full financial profile.
Private banks, challenger lenders and specialist lenders operate in this space, many of whom do not accept applications from the public directly. We have whole of market access, so we can so we can connect you with lenders that aren't available to everyone.
Yes. We regularly place large loan cases for expats and foreign national clients with lenders who understand international wealth structures.
At this level, lenders take a bespoke approach – they look at your assets, liabilities, income streams and overall wealth profile, rather than a standard income multiple.
Yes, because packaging and presentation is critical. A poorly structured case at this level rarely gets a second look.
Send us a quick enquiry, and we’ll come back within 24 business hours with a realistic route forward.
There are no fees payable until we have found you a solution, and you will always speak to an advisor, not to a triage team passing you on. We believe in speaking to an expert from the start.
Email us directly with your enquiry by clicking here or using our email [email protected].
