Large Mortgage Loans

Compare Large Mortgage Loan Rates

2 Year TRACKER deal »NatWest Mortgages

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1.84%Reverts to 3.99% after 2 years


Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

In order to find large mortgage loans, it is important to consider the range of different mortgage deals that are widely available. By comparing these mortgages that are offered by different providers, you'll have the best chance of finding a competitive deal:

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.40%

Reverts to 3.99%

2

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.
Tracker

1.84%

Reverts to 3.99%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Tracker

2.07%

Reverts to 3.99%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.79%

Reverts to 3.99%

5

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

1.79%

Reverts to 3.99%

5

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

3.03%

Reverts to 3.99%

2

Years

85%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed

2.94%

Reverts to 3.69%

10

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Fixed

4.10%

Reverts to 3.99%

2

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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Getting a large mortgage loan


If you are seeking a large mortgage loan worth over £1 million, you may find that the average high street lender will not offer mortgage loans that are above this amount. Firstly, they may lack experience in lending at this amount and may not be able to secure you a good deal. Secondly, lending a large mortgage loan to one individual is seen as representing a greater financial risk to a lender than offering the equivalent amount in loans to several individuals. 


Why choose a large mortgage loan specialist?


If you are in the market for a large mortgage loan it is also quite likely that you have a busy lifestyle to match your high income. Choosing a good specialist high mortgage loan lender or broker could help you to find the best mortgage deal for you, quickly and easily, with bespoke support at every step of the way. Some of the benefits of choosing a large mortgage loan specialist could include:

  • Large mortgage loans at values that are very difficult to get on the high street, starting from £1 million and tailored for your particular circumstances.
  • Excellent rates offered by a range of bespoke mortgage lenders.
  • Residential, buy to let or commercial large mortgage loans available.
  • Strong network of high value mortgage lenders – A specialist large mortgage loan broker may have an extensive network of contacts to help you get the mortgage you want, including private banks and specialist lenders.
  • An understanding of your individual financial circumstances – whether you are looking to buy in the UK from overseas, have earnings in multiple currencies, or are a non-domiciled UK resident, a specialist large mortgage loan provider may be able to help you find the mortgage deal that suits you
  • A bespoke service from beginning to end - By providing you with expert independent mortgage advice, efficiency and attention to detail, a large mortgage loan specialist can help to make the entire mortgage process simple and stress-free.
  • Access to large bridging loans to help you complete a purchase if your sale falls through or is held up unexpectedly.
  • A track record of helping high net worth individuals to present their various income streams and assets in the light that is most accessible and favourable to potential mortgage lenders.
  • The flexibility you need – many large mortgage loan providers are prepared to offer a great deal of flexibility to their high value clients, and a specialist mortgage broker could help you negotiate a mortgage package with the flexibility you need.


What factors may be considered by lenders when offering a large mortgage loan?


Different mortgage lenders will have different criteria for lending, and this applies to large mortgage loans as much as any other type of mortgage. Some factors to be aware of could include:

  • Income and assets – as a high net worth borrower, you may have a high but irregular income rather than a salaried job. A specialist large mortgage loan broker could help you to present your income and assets in a way that is the most attractive to potential mortgage lenders.
  • Domicile or nationality – Many high net worth borrowers are non-UK national, have assets overseas, or are non-domiciled for tax purposes, which can make a difference to the mortgage application process. A good mortgage broker who specialises in large mortgage loans will be able to guide you through the application process and get the best deal for you.
  • Proposed repayment type – Many large mortgage loans are available for repayment, interest only, part and part, or offset. The more you are borrowing, the more flexible lenders may be in this regard.
  • Property location and type – as with a mortgage of any amount, mortgage lenders for large mortgage loans will want to be sure that the property you are buying has a good resale potential. As a large mortgage loan borrower it may be more likely that you want to borrow on an unusual property such as an architect-designed house or a listed building, and this process can be made more straightforward by approaching a specialist large mortgage loan lender.

Top 5 Mortgage Deals

Find a selection below of top mortgage deals based on "loan to value" or LTV - so if you have a 25% deposit or 25% equity in your home click on the 75% LTV tab for latest deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.40%

Reverts to 3.99%

2

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.7% APRC. This is the cost of the mortgage over the full term.
Fixed

1.54%

Reverts to 3.69%

3

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Tracker

1.84%

Reverts to 3.99%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.79%

Reverts to 3.99%

5

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

1.79%

Reverts to 3.99%

5

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker