0800 316 2224 For Borrowers
For Brokers

Large Loans for Brokers

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.

Refer Case 0800 316 2224

For brokers and introducers. We partner with advisers on their clients’ cases. Looking for finance yourself? See our large loans page.

Trustpilot
Clever Lending Team

What Makes Us So Clever?

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.

Larger Loans Overview

LTVUp to 75%
Maximum term12 months (higher by referral)
Rates from0.75%
Arrangement fee2%
Minimum loan£1m
Maximum loan£5m (up to £15m by referral)
LocationEngland, Scotland and Wales
Charge type1st and 2nd
LTVUp to 60%
Maximum term12 months
Minimum loan£1m
Maximum loan£3m (higher by referral)
LocationEngland, Scotland and Wales
Charge types1st Charge
Commission2%
Rates2% Fee3% Fee
<60% LTV0.81%0.71%
LTVUp to 60%
Maximum term12 months
Minimum loan£1m
Maximum loan£3m (higher by referral)
LocationEngland, Scotland and Wales
Charge types1st Charge
Commission2%
Rates2% Fee3% Fee
<60% LTV0.81%0.71%
LTVUp to 70%
Maximum termUp to 30 years
Rates from7.84%
Arrangement fee2.5%, 5%, 7%
Minimum loan£1m
Maximum loan£5m (up to £10m by referral)
LocationEngland, Scotland and Wales
Charge type1st charge

How Clever Lending Handles a large loan case

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.

Same-Day Sense Check

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.

Lender-Specific Pack List

One checklist per lender and no blanket uploads. Fewer uploads mean fewer re-underwrites.

DIP → Valuation → Offer

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.

Legals & completion

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.

What to Have Ready

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.

Core details:

  • Loan amount, term & purpose
  • Purchase price or current valuation
  • Borrower background & structure
  • Portfolio size (if applicable)

Documents:

  • ID and proof of address for all applicants
  • Portfolio schedule (if relevant)
  • Tenancy agreements / ASTs (if relevant)
  • 3-6 months’ bank statements
  • Existing mortgage statements
  • Company accounts or SA302s
  • Valuation access contact

Bridging Finance Case Studies

Regulated Bridge Secured Across Two Properties to Achieve Full Purchase Price

Client wanted to buy a property to live in before selling her current one.

Read more

Return Client Placed with Together Using Accountant’s Reference for Scottish Property

Clients purchased a pub/restaurant in Scotland with funds from a business investor. They fully refurbished the property to a high standard but due to the location and not having a full 2 years accounts for the limited company, we needed a specialist lender.

Read more

Fast-Turnaround Bridging Loan Secured with Greenfield After ID Issues Elsewhere

Client was refurbing property, mum gave them funds to do this but they ran out of cash to finish the works. They are unable to get a residential mortgage until the upstairs is completed. Clients wanted to repay mum and raise the money to finish the works.

Read more

Speak To Someone Clever About Large Loans

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.

Call 0800 316 2224 Request A Callback
Our customers say Excellent 4.7 out of 5 based on 44 reviews Trustpilot

Large Loans FAQs

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.
Our large-loans desk handles cases from £1m upwards, covering large residential, BTL, commercial and bridging, with capacity up to £15m+ by referral. Below £1m the case sits with one of our mainstream desks. Submissions over £5m typically go through a dedicated case manager and may attract bespoke pricing from the lender panel.
Unregulated large residential bridging starts from 0.75% per month at up to 75% LTV with a 2% arrangement fee, on loans from £1m to £5m (£15m by referral). Regulated large bridging starts from 0.71 to 0.81% per month at up to 60% LTV, from £1m to £3m. We publish a large-loan rate card, which is unusual transparency for the segment.
Large commercial term loans start from around 7.84%, on facilities from £1m to £5m (£10m by referral), up to 70% LTV and terms up to 30 years. Arrangement fees scale from 2.5 to 7% depending on lender, complexity and tier. We benchmark across the panel for each case rather than defaulting to a single lender.
Borrowers certified as high-net-worth (income £300k+ or net assets £3m+) can opt out of standard MMR affordability rules, opening access to private banks and specialist lenders that price and underwrite bespoke. The certification is provided by a qualified third party (an accountant or solicitor). We coordinate HNW certification and package the case to the lender's bespoke underwriting requirements.
Yes. We have relationships across the UK private banking market and can introduce broker clients where the case fits private bank appetite (typically £1m+ loan, meaningful investable assets, relationship potential). The introduction preserves the broker's client relationship and pays an introducer fee on completion, disclosed at the terms stage.
Yes. Complex income is one of the most common reasons large-loan clients need specialist placement. Multi-currency income, business interests, RSUs, deferred bonuses, retained profits and rental income are all routinely placed via the large-loan panel. We model the income picture to identify which lenders' affordability calculators produce the strongest result.
Yes. Foreign nationals (resident and non-resident) are funded routinely on large residential, BTL and bridging across our panel, with both UK specialist lenders and international private banks. Minimum loan sizes are typically £1m+, with enhanced KYC and source-of-wealth documentation. LTVs of 60 to 70% are standard. Rates remain competitive at scale.
Procuration fees on large loans typically range from 0.5 to 1% of loan, paid on completion. On private bank deals the structure is more variable and often negotiated case by case. We disclose the fee on indicative terms so brokers can structure their client fees transparently, and pay out on the day funds release.
Large residential and bridging cases typically complete in 6 to 8 weeks from full submission. Private bank cases run 8 to 12 weeks due to the deeper relationship and KYC review involved. Commercial term loans over £1m follow the standard 10 to 14 week commercial timeline. We set realistic milestone expectations at terms so brokers can manage their clients and the conveyancer accordingly.

More process and commercial questions, covering referrals, packaging, fees and payment, are answered in our broker FAQs.

WhatsApp us