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Mortgages over £2 million

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How much would a £2 million mortgage cost?

Jed Newton

If you're looking to borrow £2,000,000 over 30 years with an interest rate of 4.25%, that could cost you £9,838.80 on capital repayment or £7,083.33 per month on an interest-only mortgage.

Million-pound mortgages & million-pound calculator

Trinity Financial offers a bespoke service for high net worth individuals looking for advances to secure those special properties. 

Competition to attract wealthier borrowers has increased significantly, with many lenders actively seeking to assist the financial needs of wealthy clients. 

Trinity Financial regularly arranges large mortgages of £2 million+ for clients who may not be accepted by many of the mainstream lenders. This is the province of the more specialised banks. 

In the competitive private banking sector today, most private banks no longer require additional assets under management.  

Typically, banks would require clients to have a 15% deposit to access a loan of over £2 million, although this varies depending on your financial situation and assets. 

To secure a larger mortgage loan, our advisers use the specialist teams recently set up by high street lenders and private banks. They will look at your overall financial situation and try to find a solution to ensure you can borrow the amount you require. 

Call Trinity Financial on 020 7016 0790 to secure a £2 million+ large mortgage loan. 

Your home may be repossessed if you do not keep up repayments on your mortgage

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Speak to one of our mortgage experts. Either book an appointment to come and see us, or request one of our experts to call you.

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Many high-net-worth clients are looking for larger mortgages to purchase luxury homes.

As a result, more £2 million+ mortgages are available, either through high-street lenders or private banks.

Trinity Financial's brokers have access to specialist large loan teams across the mortgage market, and our contacts assist with arranging mortgages above £2 million. These underwriters consistently offer mortgages for our high-net-worth clients.

Our experts will look at a client's overall circumstances to find the best lender. It does not matter if you receive bonuses bigger than your primary income or have a complex income structure requiring specialist understanding.

We regularly arrange mortgages for borrowers with:

  • Vested stock bonuses
  • Stock portfolios (generating onshore and offshore income)
  • Foreign Income
  • Income from royalties and trusts
  • Global assets

Private banks tend to consider "high net worth individuals" if they earn above the threshold of £300,000 per year or have net assets of £3 million+.

Yes, many of the banks and building societies we work with offer interest-only £2 million+ mortgages.

In comparison to full capital repayment mortgages, interest-only mortgages mean borrowers will only pay the interest back each month rather than the whole amount owed. As a result, they typically need a creditable plan to repay the mortgage by the end of the term.

To find out whether an interest-only or part-interest-only mortgage suits you, contact Trinity Financial.

High street banks typically require clients to have at least a 15% deposit to access a mortgage for £2 million+. However, private banks can consider as low as 5 -10% deposits.

It is possible to take a cross charge against investments like stock and share portfolios to reduce the size of the deposit required, or charges can be secured against other properties you own. 

Getting started with Trinity
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Contact us and tell us your requirements

You contact one of our consultants over the phone or arrange a time to meet in one of our offices. You tell us what you are looking for and we assess your mortgage and protection needs based on your monthly budget.

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We'll research and present you with the right options

We collect the information and documentation that the lenders and providers will need. Based on the information supplied, we provide you with illustrations for the most suitable products for your circumstances.

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We'll manage your application to completion

On agreement, we then submit the application on your behalf and manage the application and liaise between all involved parties such as estate agents and solicitors. Post-completion, we are available for any questions.

Call 020 7016 0790
years' experience

Over the last 15 years we have helped thousands of clients to purchase new homes, secure buy-to-let mortgages and remortgage.

mortgage experts

Trinity’s experts will do everything possible to secure the fastest mortgage offers while providing you with regular progress updates.

mortgages arranged

We consistently arrange fantastically priced fixed and tracker rate mortgages through the leading banks and building societies.