Large Mortgages London | £1m+ Mortgage Specialist

Prime and Super-Prime Property Mortgages in London

Trinity Financial's brokers consistently arrange specialist mortgage finance for £1m–£5m+ property purchases

At Trinity Financial, we specialise in arranging large mortgages for high-net-worth individuals, professionals, international buyers and property investors across London and the UK. We work with high-street banks, specialist lenders and private banks to deliver bespoke funding solutions that mainstream lenders often cannot provide.

Buying or refinancing high-value property — whether a £1 million London townhouse, a rural estate or a £5 million+ luxury home — often requires far more than a standard high-street mortgage. Arranging a large mortgage is not a transactional process. It is a strategic one. 

For buyers in London’s prime and super-prime markets, income is rarely straightforward. Wealth is often diversified. Plus speed, discretion and structuring matter as much as price.

Large mortgages require a different approach

Mortgages above £1 million — and particularly those exceeding £2 million — demand specialist underwriting from lenders to assess more than straightforward income multiples.

Selecting the right lender — and presenting your position correctly — can significantly increase borrowing flexibility to consider: Full asset positions. Liquidity and deposit structure, plus bonuses and dividend income. Overseas earnings, business ownership, and long-term financial strategies. 

Complex income, structured correctly

High-net-worth buyers often earn income from bonuses and commissions, dividends from limited companies and partnership distributions. They also have carried income and multi-currency or international income. Many mainstream lenders cannot interpret these structures effectively. Specialist lenders and the large loan teams at high-street banks can develop funding solutions when approached correctly.

Aaron Strutt, product director at Trinity Financial, says: “Competition in the £1 million-plus mortgage market is strong, with high street banks such as Barclays, HSBC, Lloyds Private Bank and NatWest keen to lend up to £5 million for straightforward cases. For employed borrowers with solid deposits and clean credit, pricing is currently very competitive often at just over 3.5% for two-year fixes.

"However, complex income, overseas assets or trust structures can restrict options under standard affordability models. Private banks, including Coutts, Arbuthnot Latham and Bank of Canada, offer far greater flexibility and can lend £10 million+ on a relationship basis. While rates remain competitive, arrangement fees are typically around 1%, and clients are typically expected to place assets under management, though there are exceptions. For prime London borrowers, the key is selecting the right lender structure — not just the lowest rate.”

Private banks & bespoke lending

For loans above £2m, private banking solutions may offer tailored underwriting, interest-only flexibility, asset-backed facilities and discretion and relationship-led service.

However, private banks are not always the most competitive option. A whole-of-market approach ensures the right balance between flexibility and pricing.

Who requires a large mortgage loan in London?

London’s prime and super-prime property markets demand a different level of mortgage expertise. Borrowers purchasing in areas such as Mayfair, Kensington, Chelsea, Hampstead, or Notting Hill often require £1 million+ funding.

Large mortgages are typically suited to:

High-Net-Worth Individuals
Acquiring prime central London townhouses, luxury apartments or building high-value investment portfolios.

Entrepreneurs & Company Directors
London-based business owners with income structured through dividends, retained profits or international operations that require bespoke underwriting.

City Professionals & Senior Executives
Partners in law firms, investment bankers, private equity professionals and consultants whose earnings include bonuses or carried interest.

International & Relocating Buyers
Clients moving to London with foreign income, global assets or non-UK residency considerations.

As a specialist £1 million+ mortgage broker in London, Trinity Financial works closely with leading banks, specialist lenders and private banks to secure discreet, strategically structured funding for complex, high-value property purchases across the capital.

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High street lender or private bank comparison table

Lender Type	Typical Loan Amount	Ideal For	Pros	Cons	Example Lenders
High Street	£1m-£5m	Ideal for a client who can provide income evidence through pay slips, bonuses, and accounts.	Competitively priced rates from 3.5% with £999 arrangement fees	More rigid criteria	Barclays, HSBC, Santander, Halifax
Private Banks	£5m+	High Net Worth with assets like stocks or properties. Global income or global assets.	Bespoke, flexible terms	Higher fees (1%)	Coutts, UBS, Lloyds, Barclays Private Bank
Specialist	£10m+	Complex/international	Fast approvals, non-standard	Premium rates	Boutique firms

                                                                                              

Large mortgage requirements & qualification

Securing a £1 million+ mortgage in London involves more detailed underwriting than a standard residential loan. Criteria vary between high street banks, specialist lenders and private banks, but large borrowing always requires careful preparation and strategic presentation.

Deposit requirements

Deposit levels depend on loan size, property type and financial profile.

• £1m–£2m loans: Typically 10–25% deposit

• £2m+ loans: Often 10% to 15%+ depending on structure

• Private banks: May consider lower loan-to-value structures for asset-rich high-net-worth clients

• Complex cases: Higher deposits may be required where income is irregular or overseas

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Income and mortgage affordability

For £1 million+ mortgages, lenders assess income in greater depth.

As a broad guide: Many banks lend between 4 and 6 times verified income. Total household income is often £200,000+ for £1m borrowing

Income documentation typically includes: 

Employed applicants

• Recent payslips (3–6 months). Latest P60 or bonus history, where applicable.

Company directors & business owners

• 2–3 years’ accounts. SA302s and tax year overviews. Dividend history and retained profits (where considered).

Investment or rental income

• Portfolio schedules. Rental statements or Investment valuations.

Private banks may also assess overall asset position, liquidity and net worth rather than relying solely on income multiples.

£1 million+ lending solutions with Trinity Financial

Are you looking to buy a property and require expert advice? We’re here to help you find a solution – no matter how complex your circumstances. Our expert brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 020 7016 0790 to secure a £1 million+ fixed or tracker rate mortgage, book a consultation or use our appointment calendar

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