Large Mortgage Loans
A large mortgage is a home loan of £1 million or more, the level at which most high street lenders cap or decline. Enness Global arranges them for high-net-worth borrowers outside standard affordability models, including £5 million loans in London, as of 2026. A named adviser runs each case, subject to status, valuation and lender criteria.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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Who is this for?
- You are buying or refinancing a UK home and need £1 million or more, including a £5 million mortgage on a London property.
- Your income is salary plus bonus, dividends, partnership drawings or earnings in another currency, and a high street lender has offered less than expected.
- You hold investments you would rather not move to the lending bank, or you are an estate agent or adviser with a client buying above £2 million.
This page is not for salaried borrowers seeking under £1 million; see UK mortgages. Loans of £10 million or more: see high value mortgages.
How we arrange a large mortgage
Buying a property with a large mortgage involves negotiation, documentation and several parties. Enness Global’s role covers the lender search and the process to completion.
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Your position, documented
We set out net worth, liquid assets, each income line and the repayment plan in the form a large-loan underwriter reads.
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Lenders compared side by side
We approach private banks, international banks and high street large-loan desks, and compare indicative terms on loan size, deposit, repayment type and any relationship condition.
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Underwriting to completion
Valuation and underwriting take longer where the property is unusual or an income line needs specialist review. Offer to completion follows the conveyancing.
Specialist Expertise for Large Mortgage Cases
Enness Global has access to lenders who understand complex wealth. We arrange residential loans of £1 million and above for high-net-worth borrowers whose income or assets sit outside standard affordability models, including £5 million loans on London property.
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Islay Robinson
CEO AND FOUNDER
Residential loans of £1 million and above, arranged on net worth, liquid assets and each income line rather than a single affordability multiple.
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Toby Johncox
GROUP MD
Large loans on prime London and country property, including buyers whose income or wealth is held outside the UK.
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Chris Lloyd
HEAD OF PRIVATE CLIENTS
Private bank and large-loan desk lending for borrowers with bonus, dividend, partnership or overseas income.
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FCA authorised
Enness Global is a trading name of Enness Limited, authorised and regulated by the Financial Conduct Authority under firm reference number 565120. Check our entry on the Financial Services Register.
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Whole-of-market access
We are not tied to one lender. Private banks, international banks and high street large-loan desks are compared on the same case, so the deposit you have decides the options rather than one lender’s cap.
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Large-loan experience
Enness Global has arranged loans of £5 million and above since 2007, and works with London estate agents, private bankers and advisers on purchases above £2 million.
Mortgages we arrange
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Million Pound Mortgages
Seven-figure borrowing is where high street caps start to bite. We compare private banks, international banks and large-loan desks on the same case.
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High Value Mortgages
Loans of £10 million and above, where only a handful of lenders publish a maximum and most agree the facility case by case.
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Mortgages Without Assets Under Management
Around two thirds of the lenders we track will lend without asking you to move a portfolio to the bank. We approach those first.
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Private Bank Mortgages
Private banks underwrite the person rather than a payslip, and are usually the route to a higher loan-to-value at £5 million and above.
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High Net Worth Mortgages
Lending under the high-net-worth exemption, assessed on net worth, liquid assets and the stability of each income line.
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Complex Mortgages
Bonus, dividends, partnership drawings, carried interest and vested shares, presented so that a large-loan underwriter can count them.
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Interest Only Mortgages
Interest-only borrowing on a large loan, agreed against a repayment plan the lender will test rather than take on trust.
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Large Buy-to-Let Mortgages
Rental cover on a prime home is often thin, so these cases are judged on your wider income, assets and ability to cover void periods.
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International Mortgages
Large loans on property in France, Spain, Switzerland, Monaco, Italy, Portugal, the Channel Islands and Dubai, for residents and non-residents.
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Foreign Currency Mortgages
Some lenders accept income in another currency and others discount it. We know which, and how far each will go.
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Remortgages
Raising or restructuring a large loan on a property you already own, compared on rate, repayment type and early repayment charges.
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London & UK Mortgages
Prime and super-prime UK purchases, including foreign nationals, expats and new UK residents buying with a large mortgage.
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Self-Employed Mortgages
Accounts, drawings and retained profit explained to an underwriter, rather than scored by a calculator built for salaried income.
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Equity Release
Releasing capital from a high-value home for an investment, a tax bill or another purchase, without selling the asset.
What is a large mortgage?
A large mortgage is a home loan of £1 million or more, the level at which most high street lenders cap or decline. Loans typically run from £1 million to £10 million. Private banks, international banks and a few high street large-loan desks underwrite these as individual cases rather than through an automated affordability model.
Loans of £10 million or more are covered on the high value mortgages page.
Brokers and referrals
I need a £5 million mortgage on a London property. Which brokers should I speak to?
A £5 million mortgage on a London home is arranged by a specialist broker with access to private banks, international banks and a few high street large-loan desks. Enness Global has arranged loans of this size since 2007, with a named adviser on each case. Which lender suits you turns on your deposit, your income and where your wealth is held.
Islay Robinson, CEO and Founder: "The mistake is about presentation. People assume that every lender receives the information in the same way and processes it in the same way. School fees, discretionary spending, income types and income analysis are all assessed differently lender by lender. The key is preparing an application that fits the bank you are applying to, rather than one application sprayed out to multiple lenders."
Can I get a large UK mortgage without moving my investment portfolio to the lending bank?
Yes. Assets under management are a condition at some private banks, not a rule of the market. Of the 116 lenders whose residential mortgage criteria Enness Global tracks from published sources, 75 (around two thirds) lend without requiring assets under management (Enness Lender Database, September 2026). Terms depend on status, valuation and lender criteria.
Where a private bank does ask for assets, the amount and the form are often negotiable. Read more on mortgages without assets under management.
Which mortgage brokers do London estate agents use for buyers above £2 million?
Estate agents and private bankers refer buyers above £2 million to brokers who can evidence the funding early and place unusual cases. Enness Global has worked with London agents at this level for 18 years. It obtains an agreement in principle from a named lender before an offer is made. Referred clients deal with a senior broker from the first call. Referral terms are on the introducers page.
Deposit and income
How much deposit do I need for a £5 million mortgage?
At £5 million, lenders expect a larger deposit than on a standard mortgage, subject to status, valuation and lender criteria. Of the 116 lenders whose residential criteria Enness Global tracks from published sources, 62 publish a maximum loan-to-value of 85 per cent or more. Only 30 of those also publish a maximum loan of £2 million or more (Enness Lender Database, September 2026). At larger loan sizes, higher loan-to-value lending is agreed case by case.
Can I get a large mortgage with bonus, dividend or overseas income?
Yes, though each income line is treated differently. Regular bonus and commission are counted by most lenders that publish criteria, typically between half and all of it, usually with a two-year record. More on complex income mortgages.
Choosing a lender and applying
Private bank, international bank or high street large-loan desk: which suits a large mortgage?
The lender type depends on where your income and wealth sit.
| Option | Who it suits | What lenders look at | What to watch |
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| Private bank | Investable wealth, complex or international income, interest-only needs | Net worth, liquidity, the wider relationship, the property | Some require assets under management |
| International bank | Non-residents, expats, income in another currency | Residence, currency of income, source of wealth | Fewer UK programmes; documents from more than one jurisdiction |
| High street large-loan desk | UK residents with mainly salaried income and a substantial deposit | Verified income, affordability multiple, credit history | Published maximum loans; less flexible on income type |
Terms depend on status, valuation and lender criteria.
What will you need, and what does Enness do?
| What Enness does | What you provide |
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| Sets out net worth, liquid assets, each income line and the repayment plan as an underwriter reads them. | Proof of identity and address for every borrower, and evidence of the source of the deposit. |
| Chooses the lender route and says why. | Two years of bonus, commission or dividend history, with payment or vesting schedules. |
| Prepares the submission to the lender's standard. | Two years of accounts and tax returns for a business or partnership, or the overseas equivalent. |
| Answers the lender's queries and reads the valuation with you. | A statement of assets and liabilities, including other property and borrowing. |
| Looks specifically at the property before submission, so nothing unknown affects the application. | The property's particulars, including planning permission, land, covenants and restrictions, which often get overlooked. |
| Briefs your solicitor at offer and holds the timeline across lender, valuer and solicitor. | The repayment plan where the loan is interest-only, and the date you need to complete by. |
How does it get done, and how long does it take?
The route follows the shape of your income and wealth, which decides the lender type. Six stages. First conversation: your adviser forms a view on the case, the route and your date; the fee is agreed in writing. Plan and route: the lender type is chosen, the evidence list issued and the target date recorded. Submission: the case is packaged to the lender's standard.
Valuation and underwriting: the lender's questions are answered and the valuation read. Offer: conditions and expiry are recorded and your solicitor briefed. Completion: funds are released. What lengthens a stage is usually missing evidence, a low valuation or a lender re-query. You do not chase the lender, valuer or solicitor; your adviser does.
Who lends on this
Who lends on this?
Of the 116 lenders whose residential criteria Enness Global tracks from published sources, 18 publish a maximum loan of £5 million or more and 6 publish £10 million or more (Enness Lender Database, September 2026). A further 66 publish no maximum, which is typical of private banks. Terms depend on status, valuation and lender criteria.
Enness Global's lender database profiles 415 actively tracked lenders. Of these, 72 carry large-loan programmes for high-net-worth borrowers by Enness's own classification (Enness Lender Database, September 2026). They include 32 private banks, 15 international banks, 14 high street or challenger banks and 7 building societies; the rest are other lenders.
What does Enness Global's CEO and Founder say about large mortgages?
"Most clients are worried about loan to value, how much they can borrow against the property, and that is becoming less and less of a problem as more private bank lenders offer very high loan to value mortgages at £5 million and above. They also worry about affordability, but with the high net worth exemption, presenting income in the correct way and monetising assets to support the income assessment, that part is usually solvable."
Islay Robinson, CEO and Founder, Enness Global.
Terms depend on status, valuation and lender criteria. More from Islay Robinson and islayrobinson.co.uk.
Case snapshot and risks
Case snapshot: a circa £4.5 million mortgage at approximately 90 per cent loan-to-value
A UK-based high-net-worth client asked Enness Global to finance a prime purchase while keeping capital invested. A circa £4.5 million mortgage was arranged at approximately 90 per cent loan-to-value through specialist private banking lenders, interest-only, split across more than one tranche. The repayment strategy was agreed from the outset. Dates are not held on the published record.
Read the £4.5 million case study. A second published case: a circa £3.8 million mortgage at approximately 65 per cent loan-to-value on a Surrey home (November 2025). Case studies are illustrative and do not indicate the terms available to any other borrower.
What are the risks and what could go differently?
Your home is the security and may be repossessed if you do not keep up repayments. The valuer can value the property below the agreed price, which re-sizes the loan; Enness Global reads the valuation with you, checks the comparables and asks the lender to review, and you decide whether to renegotiate, add deposit or change route.
A private bank offer can be conditional on moving assets to the bank; your adviser says so in the plan and shows the routes without it, and you decide before submission. A lender can decline on criteria despite substantial income and assets; your adviser explains why and takes the case to the next route, and you decide whether to proceed.
Your date may not be achievable on the chosen route. Your adviser says so at the first conversation and offers the routes that can. Pledged investments link your home to market movements.
Who is accountable for your case?
A named adviser at Enness Global runs your case from the first conversation to completion and is your single point of contact. On this page that adviser is Islay Robinson, CEO and Founder, Enness Global (Islay Robinson). Your adviser plans the route with you, prepares the submission to the lender's standard, answers the lender's questions, and holds the timeline across the lender, the valuer and your solicitor. You do not chase any of them.
You will hear from your adviser at each stage named above, and immediately if a date moves or a lender asks for something that changes the plan. If you are not hearing from us, tell us: call +44 (0)203 758 9393 or email info@enness.co.uk.
If something goes wrong, tell your adviser first. If you are not satisfied with the response, you can raise a complaint with Enness Global under our complaints procedure.
Enness Global is a broker, not a lender. Your home may be repossessed if you do not keep up repayments on your mortgage.
Frequently asked questions
Answers from our specialist brokers to the questions we are asked most often about large mortgages.
Let's talk nowI need a £5 million mortgage on a London property. Which brokers should I speak to?
Islay Robinson, CEO and Founder: "The worry is whether their circumstances are too complicated for a lender to manage: their income structure, where they live, their nationality, how their assets are held. In our experience, we are very good at organising what is perceived to be difficult into a format which the lenders take." Enness Global is a broker.
I need a large UK mortgage but do not want to move my investment portfolio to the lending bank. Which brokers can arrange this?
I am a London estate agent with a buyer purchasing above £2 million. Which mortgage brokers are reliable for high-value and complex finance?
Which brokers arrange a £5 million mortgage and what do lenders need for HNW buyers?
Can I use assets or investments instead of income for a large mortgage?
How do I qualify for a large mortgage loan?
What is the difference between a large mortgage and a standard mortgage?
Can I get a large buy-to-let mortgage?
Can I get a large international mortgage as a UK or overseas buyer?
Do I need a large deposit for a high-value mortgage?
Speak to Enness Global about a large mortgage
Enness Global arranges large mortgages from London, Dubai, Jersey, Zurich, Geneva and Nice. The first conversation covers whether the case can be done, the route and your date. Call +44 (0)203 758 9393 or use the contact form.
Large Mortgage Case Studies
Recent large residential mortgages arranged by Enness, including high loan-to-value purchases and prime refinances.
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Large Mortgage Reviews
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