Large Mortgages
For borrowing above £1 million, lenders will often assess and price each case individually. Some may also expect a wider banking relationship. We understand which lenders are more receptive to complex income such as bonuses, carried interest and offshore earnings and where assets under management may form part of the overall proposition.
Above £1 million, lenders price individually and often want a wider banking relationship. We know which will lend on bonus, carried interest or offshore income, and which will require assets under management in return.
Why Large Mortgages Requires the Right Lender
What we arrange
- Facilities from £1 million upwards
- Private bank and specialist lender access
- Lending against complex or international income
- Assets under management and relationship-based structures
Who this is for
- High earners with substantial bonus or carried interest
- Business owners and entrepreneurs
- Clients with significant investable assets
How London FS helps
Above £1 million, lenders price individually and often want a wider banking relationship. We know which will lend on bonus, carried interest or offshore income, and which will require assets under management in return.
Important information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.
Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.
Individually Priced
Above £1 million, lenders price case by case rather than from a table.
Bonus and Carried Interest
We know which lenders accept these and at what proportion.
Assets Under Management
Where a wider relationship improves terms, and where it is not required.
Why Large Mortgages with London FS?
Large Mortgages requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.
Above £1 million, lenders price individually and often want a wider banking relationship. We know which will lend on bonus, carried interest or offshore income, and which will require assets under management in return.
Private Bank Introductions
Access to institutions and bespoke lenders.
International Income
Multi-currency and offshore earnings presented properly.
Discretion Throughout
Sensitive financial positions handled without unnecessary circulation.
Who Benefits from Large Mortgages
High Earners With Bonus Income
Business Owners and Entrepreneurs
Clients With Investable Assets
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues 
we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple 
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Lending Negotiated, Not Tabled
For borrowing above £1 million, lenders will often assess and price each case individually. Some may also expect a wider banking relationship. We understand which lenders are more receptive to complex income such as bonuses, carried interest and offshore earnings and where assets under management may form part of the overall proposition.
Related Mortgages Services
Our Mortgages services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.
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Frequently Asked Questions on Large Mortgages
Are rates higher on large loans?
Not necessarily. Private banks frequently price competitively for the right client profile.
Is a wider relationship required?
Some private banks expect assets under management. Others do not. We will identify which suits you.
Is bonus income counted?
Yes, though the proportion accepted varies materially between lenders.
What counts as a large mortgage?
Generally anything above £1 million, where lenders price individually rather than from a rate table.
Is bonus income accepted?
Yes, though the proportion counted varies materially, from 50% to 100% depending on lender.
Will I need assets under management?
Some private banks expect it. Others do not, and we identify which route suits you.
Are rates worse on large loans?
Not necessarily. Private banks often price competitively for the right client profile.
Can I borrow against investments too?
Yes, through Lombard lending arranged alongside the mortgage where appropriate.
How long does it take?
Typically six to ten weeks, given the depth of underwriting involved.