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Mortgages over £6 .5 Million – Bespoke Lending for High-Net-Worth clients
£6.5 Million Mortgages – Tailored Lending for High-Net-Worth Clients
At Trinity Financial, we specialise in arranging bespoke mortgage solutions of £6 million and £6.5 million, exclusively for high-net-worth individuals, senior executives, and international investors seeking premium properties. Our expertise, discretion, and extensive lender network ensure a seamless, confidential experience for substantial financial transactions.
There is a good choice of mortgage lenders offering larger mortgages, either through high-street banks or private banks.
Why Trinity Financial for Your £6.5 Million Mortgage?
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Absolute Discretion & Privacy
We guarantee complete confidentiality, ensuring every stage of your mortgage process remains private and secure. We have access to business development managers across the main mortgage lenders. -
Tailored Financing Solutions
We typically arrange loan-to-value (LTV) ratios between 60–70%, providing highly competitive terms that preserve your liquidity while aligning with your financial strategy. -
Extensive Lender Access
Through long-standing partnerships with private banks, specialist boutique lenders, and family-office financiers, we secure optimal terms from institutions accustomed to large, sophisticated loans. -
Personalised Client Service
A dedicated senior mortgage advisor will manage your entire transaction, coordinating valuation, legal support, and lender negotiations to ensure efficient and timely completion. -
Global and Cross-Border Expertise
Our advisors provide specialist support for international clients, including multi-currency lending and wealth structuring linked to UK property investments or visa and residency planning.
Preparing Your £6.5 Million Mortgage Application
To streamline your application and secure the best terms, you’ll typically need:
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Deposit & Equity
A deposit of around 30–40% (£1.9–£2.6 million), tailored to your property and personal profile. -
Evidence of Income & Wealth
Detailed documentation of your income streams and wealth sources, such as audited financial statements, investment portfolios, or business valuations. -
Clear Credit & Compliance Checks
A strong financial background and clean compliance record facilitate quick, straightforward lender approvals. -
Specialist Valuation & Legal Representation
High-value transactions require professional valuation and expert legal representation. We will connect you with trusted professionals suited to your needs.
A Refined Mortgage Experience
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Initial Consultation
Confidential discussion to fully understand your requirements and financial profile. -
Customised Financing Strategy
Development of a personalised lending proposal, identifying ideal lenders and negotiating optimal terms. -
Securing Your Offer
Proactive management of lender negotiations, property valuation, and compliance to ensure swift mortgage approval. -
Completion Support
Comprehensive assistance through legal processes and final checks, ensuring smooth and timely transaction completion. -
Ongoing Advice & Support
Post-completion advisory services for refinancing, equity release, or portfolio expansion.
Typical Criteria for £6.5 Million Mortgages
| Feature | Requirement |
|---|---|
| Minimum Loan | £6.5 million available through high street banks and building societies |
| Deposit / LTV | 30–40% deposit (60–70% Loan To Value) |
| Preferred Net Worth | Varies per bank |
| Income / Liquidity | Up to five times the salary, although there are high net worth exemptions. |
| Credit & Compliance | Good financial profile with clear credit history. |
Flexible options available for non-traditional or complex income sources, subject to enhanced due diligence.
Partner with Trinity: Your Large-Loan Experts
Trinity Financial aligns your substantial wealth with the best mortgage opportunities—simplifying complexity, protecting privacy, and maximising loan value. Let us guide you through high-value financing with confidence and expertise.
Call Trinity Financial on 020 7016 0790 to secure a £6.5 million mortgage, submit a questionnaire or book a consultation
The information contained within was correct at the time of publication but is subject to change.
Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage
For over 16 years, we have helped our clients secure finance for their farms, country estates and rural development projects.
Trinity Financial maintains a trusted network of contacts at high-street lenders and private banks, offering wealthier clients options to finance unique properties.
Trinity Financial specialises in arranging mortgages, and our team of expert mortgage advisers and their assistants do everything possible to secure the most competitively priced rates and the fastest mortgage offers.
We have access to the decision-makers at the lenders offering the leading mortgage rates and provide our clients with a first-class service.
We regularly work with clients over the phone to discuss applications and confirm the documentation we will require, and we also have an office on Upper Street in Islington where we meet clients.
Click here to view some of the mortgages we have arranged over the last 16 years.
Interest-only mortgages are popular with high-net-worth individuals and are constantly provided by private banks. These mortgages may help borrowers free up cash for other investments, businesses, or family members.
Most private banks offer interest only. Some private banks can issue interest-only mortgages up to 90% of the property value or through part and part mortgages where some of the loan is on capital repayment.
At Trinity Financial, we constantly monitor the £1 million+ mortgage market. Click here to view our £1 million mortgage table, which highlights the pick of the large loan rates.
https://www.trinityfinancialgroup.co.uk/mortgage-tools/million-pound-mortgage-best-buys/
• You contact one of our consultants by calling 020 7016 0790 or complete our basic enquiry form or mortgage questionnaire for a more detailed initial response.
• You tell us what you are looking for, and we assess your mortgage and financial protection needs based on your monthly budget.
• We collect the necessary information and documentation that banks and building societies require.
• Based on the information provided, we offer you illustrations of the most suitable products for your specific circumstances.
• We then submit the application on your behalf to secure a mortgage offer as quickly as possible. This is once you have confirmed you are happy to proceed.
• We manage the application through to completion and liaise with all involved parties, including valuers, estate agents, and solicitors.
• Post-completion we are available for any questions. When you reach the end of your initial product, we are also able to discuss any further mortgage, will or financial protection product requirements.
As part of our ongoing service commitment, we will contact you at least four months before your fixed or tracker rate expires to ensure you avoid reverting to an expensive, standard variable rate.
Get started today
Speak to one of our mortgage experts. Book an appointment to come and see us or request one of our experts to call you.
