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£1 million+ mortgage best buys

£1 million+ mortgage rates available with low rates and £495 arrangement fees.

£1 million+ Best Buy Mortgages

Find the lender with the leading rates for million pound plus mortgages.

Trinity Financial's brokers have access to exclusive large loan teams at the leading high street lenders and dedicated contacts at the best private banks. They can get bespoke mortgages agreed at best buy rates with low setup fees and free property valuations.

Click here to use our £1 million+ mortgage calculator to work out how much you can borrow.

Last updated 9 August 2022.

Lender
Rate
Type
Period
Reversion Rate
APRC
Deposit
Fee
More info
Accord for Intermediaries
Rate
2.09%
Type
Discount
Period
30-Nov-2024
Reversion Rate
4.99%
APRC
4.08%
Deposit
25%
Fee
£495

A discounted rate that moves in line with the lender's standard variable rate available for mortgages up to £5 million.

The standard variable rate is currently 4.99%, with a discount of 2.90%, giving a current rate of 2.09% until 30-Nov-2024. It is followed by Accord BS's Standard Variable Rate. Book a mortgage consultation.

Metro Bank for Intermediaries
Rate
3.09%
Type
Fixed
Period
24 months
Reversion Rate
4.75%
APRC
4.7%
Deposit
40%
Fee
0.5%

£10 million maximum loan size. Available for property purchases and remortgages, also capital repayment or interest-only. Book a mortgage consultation.

Nationwide for Intermediaries
Rate
3.89%
Type
Fixed
Period
3 years
Reversion Rate
4.74%
APRC
4.6%
Deposit
40%
Fee
£999

Cheap-ish three-year rate. £1 million maximum loan size. Book a mortgage consultation. The rate is 3.64% for mortgages up to £2 million and there is no product fee.

Clydesdale Bank for Intermediaries
Rate
3.60%
Type
Fixed
Period
31-Oct-2024
Reversion Rate
5.49%
APRC
5.3%
Deposit
35%
Fee
£1,999

The minimum loan size is £1 million and no maximum loan size.

Lender uses profit before tax plus salary for the self employed providing the client has three years figures.

Barclays for Intermediaries
Rate
3.39%
Type
Fixed
Period
30-Nov-2027
Reversion Rate
4.74%
APRC
3.7
Deposit
40%
Fee
£1,999

The minimum loan size is £2 million and the maximum loan size is £10 million. Available for purchases and remortgages. Book a mortgage consultation.

HSBC for Intermediaries
Rate
3.48%
Type
Fixed
Period
31-Oct-2027
Reversion Rate
4.54%
APRC
3.1%
Deposit
25%
Fee
£999

One of the cheapest five-year fixed rates with a 25% deposit and is available for mortgages up to £2 million. Suitable for purchases and remortgages. Book a mortgage consultation.

Barclays for Intermediaries
Rate
2.5%
Type
Tracker
Period
Two years
Reversion Rate
5.24%
APRC
3.2%
Deposit
40%
Fee
£999

No early repayment charges. £2 million maximum loan size. Bank of England tracker rate. Available for property purchases and remortgages. Book a mortgage consultation.

HSBC for Intermediaries
Rate
2.74%
Type
Tracker Rate
Period
Two years
Reversion Rate
4.54%
APRC
3.3%
Deposit
30%
Fee
£999

£2 million maximum loan size. Bank of England base rate tracker with no early repayment charges. Rate is cheaper if you have a 30% deposit. Book a mortgage consultation.

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How much can you borrow for a £1 million+ mortgage?

Applicant One

  1. £
  2. £

Applicant Two

  1. £
  2. £
  1. You could borrow between

    to

    *subject to meeting the individual lender's criteria.

    • 4.5 x income - The amount most banks and building societies lend to clients.
    • 5 x income - The amount many of the more generous lenders allow clients to borrow.
    • 5.5 x income - The most generous amount a limited number of lenders provide to wealthier clients and professionals like doctors and lawyers.
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We consistently arrange fantastically priced fixed and tracker rate mortgages through the leading banks and building societies.