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MillionPlus

A luxury asset marketplace and specialist finance advisory. Discreet, global, and backed by a carefully selected panel of private banks and specialist lenders.

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Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Million Plus is a trading style of MillionPlus.com International Limited. All finance enquiries are referred to Million Plus Private Finance Limited (FCA No. 1006539), which is an appointed representative of TMG Direct Limited. TMG Direct Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 786245) and is registered with the Information Commissioner's Office under the Data Protection Act 2018 (Registration No. ZA178200). Commercial mortgages, buy-to-let mortgages, and some forms of asset lending are not regulated by the Financial Conduct Authority. Million Plus Private Finance Ltd is a credit broker, not a lender.

MillionPlus.com International Limited is registered in Guernsey No. 66225. Registered Address: Office 4, Caslon Court, Pitronnerie Road, St Peter Port, GY1 2RW. Million Plus Private Finance Limited is registered in England and Wales No. 08503362. Registered Address: Azets Burnham Yard, Beaconsfield, Bucks, United Kingdom, HP9 2JH.

MillionPlus Journal

Insights & News

Market intelligence, case studies and expert commentary on property, luxury asset finance, crypto-backed lending and private wealth.

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Should I Fix My Mortgage Now or Wait?
Finance21 January 2026

Should I Fix My Mortgage Now or Wait?

If you're approaching the end of your current mortgage deal, you've probably asked yourself this question more than once. The decision between fixing your mortgage rate now or waiting for a potentially better deal can feel overwhelming, particularly during periods of rate uncertainty. The truth is there's no single answer that works for everyone.

How the Wealthy Use Property to Reduce Tax (A Legal Overview)
Finance19 January 2026

How the Wealthy Use Property to Reduce Tax (A Legal Overview)

Property sits at the core of generational wealth planning. For high-net-worth individuals and families, residential and commercial property represents both tangible security and strategic opportunity—assets that appreciate, generate income, and can be structured for long-term tax efficiency. How the wealthy use property to reduce tax isn't about evasion or aggressive schemes.

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Holiday Lets vs Long-Term Lets: Which Pays More?
Finance13 January 2026

Holiday Lets vs Long-Term Lets: Which Pays More?

The question hits landlords' inboxes constantly: should I Airbnb this property or let it long-term? Rising rents make traditional buy-to-let look attractive again. But holiday let nightly rates seem unbeatable. Convert that coastal cottage to short-term stays and watch the income roll in, right? Not quite.

How the Wealthy Use Property to Reduce Tax?
Finance24 December 2025

How the Wealthy Use Property to Reduce Tax?

Property ownership represents a cornerstone of UK wealth accumulation, with residential and commercial real estate comprising approximately 65% of high-net-worth individual portfolios according to wealth management studies.

Exploring the Only Tax-Free Island in Europe: Life on Sark
Finance20 December 2025

Exploring the Only Tax-Free Island in Europe: Life on Sark

Imagine living somewhere with no traffic noise, no cars, and yes—no income tax. Sounds like fantasy, doesn't it? Yet there's a place just an hour's flight from London where this reality exists. Welcome to Sark, the only tax free island in Europe that most people have never heard of.

Deposits and Tenancy Agreements: What Every Landlord Needs to Know
Finance18 November 2025

Deposits and Tenancy Agreements: What Every Landlord Needs to Know

Why Deposits and Tenancy Agreements Matter More Than Ever With the Renters' Rights Bill progressing through Parliament, landlords face an evolving regulatory landscape that demands greater attention to compliance and documentation.

What Is Negative Equity and Why It Could Be a Problem
Finance11 November 2025

What Is Negative Equity and Why It Could Be a Problem

Imagine owning a home worth less than the mortgage you owe on it. That's negative equity – and it's a situation that catches more homeowners off guard than you might think. Whether you're a first-time buyer worried about market fluctuations or a homeowner considering remortgaging, understanding negative equity is crucial.

Working with a Property Lawyer for the First Time: Your Complete Guide
Finance11 November 2025

Working with a Property Lawyer for the First Time: Your Complete Guide

You've had your offer accepted—congratulations! But here's what many first-time buyers don't expect: the legal process of buying your home can feel more complex than finding it. Enter the property lawyer, also known as a conveyancer. This professional guides you through every legal step from offer acceptance to the moment you pick up your keys.

Government Schemes for First-Time Home Buyers and Existing Homeowners in 2025
Finance7 November 2025

Government Schemes for First-Time Home Buyers and Existing Homeowners in 2025

Getting onto the property ladder has never been straightforward, but here's something many first-time buyers don't realize: the UK government offers numerous schemes specifically designed to help you purchase your first home—or even move up the ladder as an existing homeowner.

Why You Should Use a Mortgage Broker in 2025: Expert Guide to Better Rates and Bespoke Finance
Finance7 November 2025

Why You Should Use a Mortgage Broker in 2025: Expert Guide to Better Rates and Bespoke Finance

You've found your dream property—maybe it's a stunning Georgian townhouse in Bath, or a contemporary penthouse overlooking the Thames. You're ready to make your move, but there's one critical question standing between you and that purchase: how do you secure the best possible mortgage deal? Here's the thing—most people think getting a mortgage is straightforward.

Why Paying Off Your Mortgage Might Be a Mistake: The Rich Never Do It (And Here’s Why)
Finance4 November 2025

Why Paying Off Your Mortgage Might Be a Mistake: The Rich Never Do It (And Here’s Why)

Don't pay off your mortgage. Yes, you read that right. Most people in the UK think the smartest financial move is paying off their mortgage as quickly as possible. But what if that conventional wisdom is actually holding you back from building serious wealth?

Later Life Lending: Your Complete Guide to Mortgages in Retirement
Finance29 October 2025

Later Life Lending: Your Complete Guide to Mortgages in Retirement

Can you still get a mortgage after age 60? What about 75 or even 89? Yes, you can. And many people are doing just that. Later life lending is no longer a niche option. It's a mainstream financial tool that helps individuals borrow in retirement, access equity, and support intergenerational wealth planning.

Buying a Fixer-Upper Home: Smart Investment or Money Pit?
Finance24 October 2025

Buying a Fixer-Upper Home: Smart Investment or Money Pit?

There's something undeniably appealing about buying a fixer-upper: the idea of transforming a neglected property into your dream home, adding value through sweat equity, and potentially making a tidy profit when you sell.

Do You Need Life Insurance to Get a Mortgage?
Finance17 October 2025

Do You Need Life Insurance to Get a Mortgage?

When you're buying a home, you'll face a mountain of paperwork, legal jargon, and financial decisions. One question that often causes confusion is: do I need life insurance to get a mortgage? The short answer is no—life insurance is not a legal requirement for getting a mortgage in the UK.

How to Prepare for a Mortgage Renewal This Year
Finance17 October 2025

How to Prepare for a Mortgage Renewal This Year

Your mortgage renewal might feel like a long way off, but preparing early could save you thousands of pounds and spare you from unnecessary stress. Whether your current deal ends in six months or next year, now's the time to get ahead of the game.

Buy to Let Mortgages in the UK 2025: Opportunities, Trends & Strategies
Finance14 October 2025

Buy to Let Mortgages in the UK 2025: Opportunities, Trends & Strategies

The UK buy to let (BTL) mortgage market is entering a new phase in 2025. Despite headlines about rates and regulation, the fundamentals remain strong with rising rental demand, limited supply, and renewed competition among specialist lenders. For high-net-worth investors and portfolio landlords, this environment offers significant opportunity, provided finance is structured correctly.

Expat Mortgages – Buying or Refinancing UK Property from Abroad
Finance14 October 2025

Expat Mortgages – Buying or Refinancing UK Property from Abroad

Owning UK Property While Living Abroad – The Expat Mortgage Guide Owning property in the UK while living overseas is entirely possible with the right financial structure and specialist guidance.

How to Remortgage to Buy Another Property: Your Complete UK Guide
Finance13 October 2025

How to Remortgage to Buy Another Property: Your Complete UK Guide

You've built up equity in your home over the years. Your property's value has increased, you've paid down a decent chunk of your mortgage, and now you're sitting on what could be a substantial deposit for a second property – locked inside your current home.

Home Renovation Gone Wrong? Here’s How to Avoid Costly Mistakes
Finance13 October 2025

Home Renovation Gone Wrong? Here’s How to Avoid Costly Mistakes

Renovating your home can be one of the most exciting projects you'll ever undertake. Whether you're adding an extension, modernising a kitchen, or converting a loft, the promise of transforming your space is thrilling. But here's the reality: renovation projects can quickly become expensive, stressful nightmares if not properly managed.

Mortgage Overpayments Explained – Save Interest & Pay Off Sooner
Finance11 October 2025

Mortgage Overpayments Explained – Save Interest & Pay Off Sooner

You've settled into your monthly mortgage payments, and maybe you've had a salary increase or found yourself with a bit more breathing room at the end of the month. That's when the question hits: should I overpay my mortgage? It's a smart question to ask.

Foreign National Mortgages – Buying UK Property as a Non-Resident
Finance8 October 2025

Foreign National Mortgages – Buying UK Property as a Non-Resident

How Foreign Nationals Can Buy or Finance Property in the UK Purchasing property in the UK as a foreign national or non-resident is a proven strategy for global investors, entrepreneurs, and families looking to diversify their portfolios.

How Does Remortgaging Work in the UK? (2025 Guide)
Finance8 October 2025

How Does Remortgaging Work in the UK? (2025 Guide)

Remortgaging is one of the most powerful financial tools homeowners can use to save money, reduce repayments, or release cash from their property.Yet many people still find the process confusing — especially when trying to figure out if it's worth switching from their current mortgage deal.

Can I Change the Term of My Mortgage in 2025?
Finance8 October 2025

Can I Change the Term of My Mortgage in 2025?

Life can change — careers evolve, families grow, and financial circumstances shift.So, it's no surprise that many homeowners eventually ask: "Can I change the term of my mortgage?" The short answer is yes, you can.

UK House Prices Rise 0.5% in September 2025, Signalling Renewed Market Stability
Finance7 October 2025

UK House Prices Rise 0.5% in September 2025, Signalling Renewed Market Stability

The UK housing market showed further signs of recovery in September 2025, with average house prices rising by 0.5% month-on-month, according to the latest data from Nationwide Building Society. This increase lifted the average property value to £271,995, surpassing Capital Economics' forecast of a 0.2% gain and reversing August's 0.1% decline.