Mortgages over £6 .5 Million – Bespoke Lending for High-Net-Worth clients

by Aaron Strutt

May 01 2025

£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?

• 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:

1. Deposit & Equity
   A deposit of around 30–40% (£1.9–£2.6 million), tailored to your property and personal profile.

2. Evidence of Income & Wealth
   Detailed documentation of your income streams and wealth sources, such as audited financial statements, investment portfolios, or business valuations.

3. Clear Credit & Compliance Checks
   A strong financial background and clean compliance record facilitate quick, straightforward lender approvals.

4. 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

1. Initial Consultation
   Confidential discussion to fully understand your requirements and financial profile.

2. Customised Financing Strategy
   Development of a personalised lending proposal, identifying ideal lenders and negotiating optimal terms.

3. Securing Your Offer
   Proactive management of lender negotiations, property valuation, and compliance to ensure swift mortgage approval.

4. Completion Support
   Comprehensive assistance through legal processes and final checks, ensuring smooth and timely transaction completion.

5. Ongoing Advice & Support
   Post-completion advisory services for refinancing, equity release, or portfolio expansion.

Typical Criteria for £6.5 Million Mortgages

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