skip to main content
Book Consultation Talk to an Expert Mortgage Questionnaire Mortgage Calculator
Header Image for £1 million+ mortgage best buys

£1 million+ mortgage best buys

Mortgage lenders offering £1 million+ two and five year fixes

£1 million+ Best Buy Mortgages - Table updated 7th June 2024.

Find the lender with the leading rates for million pound plus mortgages or use our £1 million+ mortgage calculator.  Our director was recently voted the Best Broker for Large Loans at the British Mortgage Awards 2023! 

Trinity Financial has access to exclusive large loan teams at the leading high-street lenders and dedicated contacts at the best private banks. 

Lender
Rate
Type
Period
Reversion Rate
APRC
Deposit
Fee
More info
Nationwide for Intermediaries
Rate
4.34%
Type
Fixed
Period
Five years
Reversion Rate
7.99%
APRC
6.8%
Deposit
40%
Fee
£1,499

Available for property purchases on capital repayment or interest-only. The remortgage rate is slightly higher. The maximum loan size is £5,000,000. Book a mortgage consultation.

Representative example: A capital and interest mortgage of £1,000,000 payable over 30 years, initially on a five-year fixed rate basis at 4.34% for five years and then on the lender's 7.99% standard variable rate for the remaining 25 years. The 4.34% rate would require 60 monthly repayments of £4,968.01 followed by 300 payments of £7,007.80. The total amount repayable would be £2,401,999.60 made up of the loan amount, plus interest (£1,408,160.77) and £1,499 (product fee), £65 (final repayment charge), £15 (completion fee). The overall cost for comparison is 6.8% APRC representative.

Barclays for Intermediaries
Rate
4.34%
Type
Fixed
Period
30-09-2029
Reversion Rate
8.74%
APRC
7.2%
Deposit
40%
Fee
£899

Available for property purchases. Mortgage is available on interest-only and part interest-only. £2 million maximum loan size. Book a mortgage consultation.

Representative example: A capital and interest mortgage of £1,000,000 payable over 30 years, initially on a 4.34% fixed rate for 30 September 2029 and then on a variable rate of 8.74% for the remaining 25 years, would require 62 monthly repayments of £4,972.23 followed by 298 monthly repayments of £7,456.21. The total amount repayable would be £2,531,368.84 made up of the loan amount, plus interest (£1,530,229.07) and £699 (product fee), £80 (final repayment charge), £35 (completion fee). The overall cost for comparison is 7.2% APRC representative.

Barclays for Intermediaries
Rate
4.83%
Type
Fixed
Period
30-09-26
Reversion Rate
8.74%
APRC
8.2%
Deposit
40%
Fee
£899

Available for property purchases also on capital repayment or interest-only. Premier customer rate and £2-million maximum loan size. Remortgage rate is slightly higher. 2% early repayment charges. Book a mortgage consultation.

Representative example: A capital and interest mortgage of £1,000,000 payable over 30 years, initially on a two-year fixed rate basis at 4.83% and then on the lender's 8.74% standard variable rate for the remaining 28 years. The 4.83% rate would require 26 monthly repayments of £5,264.80 followed by 334 payments of £7,731.27. The total amount repayable would be £2,716,581.62 made up of the loan amount, plus interest (£1,715,443.28) and £899 (product fee), £80 (final repayment charge), £35 (completion fee). The overall cost for comparison is 8.2% APRC representative.

Coutts for Intermediaries
Rate
5.64%
Type
Fixed
Period
Two years
Reversion Rate
7.75%
APRC
7.4%
Deposit
10%
Fee
0.5% of loan amount

No real maximum loan size. Available for clients seeking £1 million+ mortgages with a 10% deposit. Purchase and remortgage rate. Book a mortgage consultation.

Please contact Trinity Financial on 020 7016 0790 for an individual illustration. 

HSBC for Intermediaries
Rate
5.54%
Type
Tracker
Period
Two years
Reversion Rate
6.99%
APRC
6.9%
Deposit
25%
Fee
£999

A variable rate, 0.29% above the Bank of England base rate, is currently 5.25%, giving a current payable rate of 5.54%. £2 million maximum loan size. Book a mortgage consultation.

Representative example: A capital and interest mortgage of £1,500,000 payable over 30 years, initially on a tracker rate basis for two years at 5.54% and then on the bank's standard variable rate, currently 6.99% for the remaining 28 years, 5.54% would require 24 monthly repayments of £8,547.09 followed by 336 payments of £9,896.13. The total amount repayable would be £3,531,540.84 made up of the loan amount, plus interest (£2,036,805.56) and £999 (product fee), £0 (final repayment charge), £17 (completion fee). The overall cost for comparison is 6.9% APRC representative.  

Nationwide for Intermediaries
Rate
4.83%
Type
Fixed
Period
120 months
Reversion Rate
7.99%
APRC
6.1%
Deposit
40%
Fee
£999

The maximum loan size is £1 million. Ten-year fix for mortgages between £1 million and £2 million is 4.94%. Book a mortgage consultation.

Representative example: A capital and interest mortgage of £1,000,000 payable over 30 years, initially on a fixed rate basis at 4.83% and then on the lender's standard variable rate currently 7.99% for the remaining 20 years, would require 120 monthly repayments of £5,260.25 followed by 240 payments of £6,761.28. The total amount repayable would be £2,255,016.20 made up of the loan amount, plus interest (£1,259,738.23) and £999 (product fee), £65 (final repayment charge), £20 (completion fee). The overall cost for comparison is 6.1% APRC representative.

Barclays for Intermediaries
Rate
4.57%
Type
Fixed
Period
30-09-27
Reversion Rate
8.74%
APRC
7.8%
Deposit
40%
Fee
£999

£2 million maximum loan size. Book a mortgage consultation.

Representative example: A capital and interest mortgage of £1,000,000 payable over 30 years, initially on a fixed rate basis at 4.57% and then on the bank's standard variable rate, currently 8.74% for the remaining 27 years, would require 38 monthly repayments of £5,108.53 followed by 322 payments of £7,634.78. The total amount repayable would be £2,653,763.30 made up of the loan amount, plus interest (£1,652,522.27) and £999 (product fee), £80 (final repayment charge), £35 (completion fee). The overall cost for comparison is 7.8% APRC representative.

Coventry for Intermediaries
Rate
5.22%
Type
Offset fix
Period
30-11-29
Reversion Rate
7.49%
APRC
6.7%
Deposit
25%
Fee
£999

Offset mortgage. An Offset mortgage links an Offset savings account to an Offset mortgage to reduce the mortgage interest payable. Interest on the mortgage is charged on the difference between the mortgage and savings balances, and this interest is paid alongside the monthly capital repayment amount. Book a mortgage consultation.

Representative example: A capital and interest mortgage of £1,000,000 payable over 30 years, initially on a 5.22% fixed rate and then on a variable rate of 7.49% for the remaining 25 years, would require 64 monthly repayments of £5,498.69 followed by 296 monthly repayments of £6,781.21. The total amount repayable would be £2,359,121.23 made up of the loan amount plus interest (£1,363,611.52) and £999 (product fee), £125 (final repayment charge), £8 (completion fee). The overall cost for comparison is 6.7% APRC representative.

Precise for Intermediaries
Rate
5.44%
Type
Fix
Period
12 months
Reversion Rate
8.75%
APRC
8.9%
Deposit
30%
Fee
1% of loan amount

One-year fixed rate mortgage option available to new borrowers. It has a high fee product at 1% of the loan amount and it is suitable for those with credit issues.  Book a mortgage consultation.

Representative example: A capital and interest mortgage of £1,000,000 payable over 1 year, initially on a 5.44% fixed rate for 12 months and then on a variable rate of 8.75% for the remaining 29 years, would require 12 monthly repayments of £5,640.30 followed by 348 monthly repayments of £7,816.04. The total amount repayable would be £2,799,270.52 made up of the loan amount, plus interest (£1,787,664.23) and 1% of the loan amount (£10,000 product fee), £40 (final repayment charge), £25 (completion fee). The overall cost for comparison is 8.9% APRC representative.

Get Started

Need help to work out how much you borrow? Call our experts

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.

Book a Consultation Talk to an Expert Mortgage Questionnaire

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

Applicant One

  1. £
  2. £

Applicant Two

  1. £
  2. £
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
  1. You could borrow between


    *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.
Anthony Emmerson
"Receive a bonus? Call us on 020 7016 0790. Some lenders take up to 100% of bonus income for wealthier clients."
Google Reviews
We believe that working together is the best way to gain trust, reliability and certainty.
15
years' experience

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

23
mortgage experts

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

17,043
mortgages arranged

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