Bigger numbers require clever thinking and that’s why we structure every large loan case with absolute precision.
Whether it’s a high-value property purchase, complex portfolio refinance or a HNW client with a complex income structure, we match your client to the right lender comfortable to lend large-scale.
We know who lends large and exactly how to package a case that gets through credit first time. We’re clever like that.
We don’t just “find rates,” we navigate the entire process for you.
If your client is looking for a larger loan, then our team of experts will find the best possible terms and build the case around their long-term objectives.
That includes liaising with their accountants and solicitors and presenting their case in exactly the right way – rest assured, we make sure that when the whole story lands, it’s a compelling one.
| LTV | Up to 75% |
| Maximum term | 12 months (higher by referral) |
| Rates from | 0.75% |
| Arrangement fee | 2% |
| Minimum loan | £1m |
| Maximum loan | £5m (up to £15m by referral) |
| Location | England, Scotland and Wales |
| Charge type | 1st and 2nd |
| LTV | Up to 60% |
| Maximum term | 12 months |
| Minimum loan | £1m |
| Maximum loan | £3m (higher by referral) |
| Location | England, Scotland and Wales |
| Charge types | 1st Charge |
| Commission | 2% |
| Rates | 2% Fee | 3% Fee |
|---|---|---|
| <60% LTV | 0.81% | 0.71% |
| LTV | Up to 60% |
| Maximum term | 12 months |
| Minimum loan | £1m |
| Maximum loan | £3m (higher by referral) |
| Location | England, Scotland and Wales |
| Charge types | 1st Charge |
| Commission | 2% |
| Rates | 2% Fee | 3% Fee |
|---|---|---|
| <60% LTV | 0.81% | 0.71% |
| LTV | Up to 70% |
| Maximum term | Up to 30 years |
| Rates from | 7.84% |
| Arrangement fee | 2.5%, 5%, 7% |
| Minimum loan | £1m |
| Maximum loan | £5m (up to £10m by referral) |
| Location | England, Scotland and Wales |
| Charge type | 1st charge |
Typical Timings: Most large loan cases complete within 6-8 weeks once valuation and legals are underway. Some cases can take longer but we will set realistic expectations upfront and keep you informed of progress throughout.
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.
One checklist per lender and no blanket uploads. Fewer uploads mean fewer re-underwrites.
We request the signed Decision in Principle (DIP), instruct valuation once the pack lands, and outline conditions in clear terms you can pass straight to your client.
We keep legals on track and update you at each stage of the process. If a date moves, you’ll hear it from us first, with a new date confirmed.
Get the essentials lined up early so we can move quickly for your client. Here’s what we will need to sense-check your large loan case and get it lender-ready.
Refer your case, and we will come back within 24 working hours with a realistic route and a clear list of what we need to issue formal terms. If, for whatever reason, the case doesn’t fit, we will tell you immediately and explain exactly why.
There are no fees payable until we have 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.
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 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 your client’s full financial profile.
Private banks, challenger lenders and specialist lenders operate in this space, many of whom don't appear on standard sourcing systems. We can help you access the right ones lending at this level.
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 the assets, liabilities, income streams and overall wealth profile of your client, 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.
More process and commercial questions, covering referrals, packaging, fees and payment, are answered in our broker FAQs.
Email us directly with your enquiry by clicking here or using our email [email protected].
