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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.

020 7519 4950

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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.

Head Office: Aegon House, 13 Lanark Square, London, E14 9QD. 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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Standard Variable Rate (SVR) Mortgages – September 2025
Finance29 September 2025

Standard Variable Rate (SVR) Mortgages – September 2025

When an introductory mortgage deal (usually a fixed or discount/tracker) ends, most borrowers automatically roll onto their lender's Standard Variable Rate (SVR). For many families, that "reversion" lifts monthly repayments noticeably — sometimes by hundreds of pounds — because SVRs are typically higher than new-customer "special" deals.

Smart Family Mortgage Guide for Parents in 2025
Finance29 September 2025

Smart Family Mortgage Guide for Parents in 2025

Raising a family comes with many responsibilities, and securing the right mortgage is one of the biggest financial commitments you'll ever make. Whether you're buying your first family home, helping older children step onto the property ladder, or remortgaging to save money, understanding how family mortgages work can help you make better long-term choices.

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Should I Pay Off My Mortgage Early?
Finance27 September 2025

Should I Pay Off My Mortgage Early?

For many homeowners, the idea of being completely mortgage-free is appealing. A mortgage is usually the largest financial commitment people take on in their lifetime, so the prospect of clearing it early can feel liberating. But paying off your mortgage before the term ends is not always the most efficient use of your money.

Is a Debt Consolidation Loan Right for You?
Finance26 September 2025

Is a Debt Consolidation Loan Right for You?

Managing multiple debts can be overwhelming. If you have credit cards, overdrafts, store cards, and personal loans, all with different interest rates and repayment dates, keeping track of what you owe can feel like a full-time job.

What’s Happening with UK House Prices This Month?
Finance22 September 2025

What’s Happening with UK House Prices This Month?

The UK property market has seen a small shift this September, with average asking prices nudging up for the first time since May. However, regional differences and looming uncertainty around the Autumn Budget mean the outlook remains mixed.

Base Rate Held at 4%: What It Means for Mortgages and Savings
Finance22 September 2025

Base Rate Held at 4%: What It Means for Mortgages and Savings

The Bank of England (BoE) has held the Base Rate at 4% in its latest announcement. This decision comes after a 0.25% cut in August, as policymakers continue to weigh up how best to control inflation while supporting economic growth.

How to Reduce Capital Gains Tax Legally: The Smart Investor’s Guide to Protecting Your Wealth in 2025
Finance27 August 2025

How to Reduce Capital Gains Tax Legally: The Smart Investor’s Guide to Protecting Your Wealth in 2025

Capital gains tax can feel like a massive roadblock between you and your financial goals. With recent economic uncertainty and potential tax changes looming, more wealthy individuals are asking the same critical question: how can I legally minimize my capital gains tax burden while building substantial wealth?

Why YOU Should Be Investing in Gold Now as a Beginner: The Complete Guide to Building Wealth with the Ultimate Safe Haven Asset
Finance19 August 2025

Why YOU Should Be Investing in Gold Now as a Beginner: The Complete Guide to Building Wealth with the Ultimate Safe Haven Asset

Gold has just reached an all-time high of over $2,500 per ounce, and if you're watching from the sidelines wondering whether it's too late to get started, I've got news for you – we're just getting warmed up.

What the Banks Don’t Want You to Know About 2025 Rates
Finance14 August 2025

What the Banks Don’t Want You to Know About 2025 Rates

The financial world is buzzing with one question that's keeping homeowners, savers, and investors awake at night: what will happen to UK interest rate predictions 2025? With the current base rate sitting at 4.75%, the implications stretch far beyond simple numbers—they'll reshape everything from your mortgage payments to your investment returns.

Streamlining Your Luxury Property Portfolio: The Modern Investor’s Guide to Online Rent Collection
Finance28 July 2025

Streamlining Your Luxury Property Portfolio: The Modern Investor’s Guide to Online Rent Collection

When you've invested millions into premium properties across prime UK locations, the last thing you want is to waste time chasing rent payments or dealing with administrative headaches. Yet surprisingly, many high-net-worth property investors still manage their rental income using outdated methods that would make a Victorian landlord proud.

Mortgage Options for Older Buyers: Your Complete Guide to Securing Finance Up to Age 90
Finance23 July 2025

Mortgage Options for Older Buyers: Your Complete Guide to Securing Finance Up to Age 90

Ever been told you're "too old" for a mortgage? That's absolute rubbish. The landscape for mortgage options for older buyers has transformed dramatically, and I've personally helped clients secure mortgages well into their 80s. Age isn't the barrier most people think it is.

Specialist Mortgage Solutions for Non-Standard Income Profiles
Finance3 July 2025

Specialist Mortgage Solutions for Non-Standard Income Profiles

Securing property finance with multiple or non-traditional income streams can be challenging through conventional lenders. At Million Plus, we specialise in complex income mortgages, providing bespoke financing solutions for high-net-worth individuals, entrepreneurs, and professionals with sophisticated financial profiles.

Smart Wealth Structuring for Yacht Ownership: The Ultra-Rich Playbook
Finance11 June 2025

Smart Wealth Structuring for Yacht Ownership: The Ultra-Rich Playbook

Ever wondered how billionaires like Jeff Bezos or Roman Abramovich structure their superyacht ownership? Here's a hint: they're not just writing a personal check for £500 million and calling it a day.

Securing Your Dream Yacht: The Ultimate Guide to Insurance Requirements and Risk Mitigation in Yacht Loans
Finance11 June 2025

Securing Your Dream Yacht: The Ultimate Guide to Insurance Requirements and Risk Mitigation in Yacht Loans

You've found the perfect 120-foot superyacht moored in Monaco, complete with marble bathrooms and a helicopter pad. You're ready to make an offer, but there's one crucial element standing between you and your maritime dreams – yacht loan insurance requirements and risk mitigation.

Yacht Financing: Lease or Buy? The Smart Money Decision for Your Dream Vessel
Finance10 June 2025

Yacht Financing: Lease or Buy? The Smart Money Decision for Your Dream Vessel

The call came at 2 AM from Monaco. A client had fallen in love with a £45 million superyacht and needed to close within 48 hours. "Should I lease it or buy it?" he asked. My answer saved him £3.2 million over five years.

Tax-Smart Yacht Financing: How Flag Registration Can Save You Millions
Finance10 June 2025

Tax-Smart Yacht Financing: How Flag Registration Can Save You Millions

Did you know that choosing the right flag for your superyacht could save you more in taxes than most people earn in a lifetime?

The Art Investor’s Playbook: Smart Portfolio Analysis and Valuation Strategies That Actually Work
Finance9 June 2025

The Art Investor’s Playbook: Smart Portfolio Analysis and Valuation Strategies That Actually Work

Did you know that art has outperformed the S&P 500 by 7.5% annually over the past two decades? Yet here's the kicker – most art investors are flying blind when it comes to portfolio analysis and valuation: making informed decisions in art investment. They're treating million-pound Picassos like lottery tickets rather than sophisticated financial instruments.

Navigating International Waters: Global Yacht Financing Solutions for Cross-Border Buyers
Finance7 June 2025

Navigating International Waters: Global Yacht Financing Solutions for Cross-Border Buyers

Acquiring your dream superyacht shouldn't be limited by geographical borders or currency constraints. In today's interconnected world, global yacht financing solutions for international buyers have evolved into sophisticated financial instruments that rival the complexity of the vessels themselves.

Art as Collateral: Mastering Loan-to-Value Ratios in Art Financing
Finance7 June 2025

Art as Collateral: Mastering Loan-to-Value Ratios in Art Financing

You're standing in front of your Picasso, not just admiring its artistic brilliance, but calculating how it could unlock millions in liquidity without ever leaving your wall. This is the sophisticated world of understanding loan-to-value ratios in art financing – where culture meets capital in the most elegant way possible.

The Art Collector’s Blueprint: Mastering Bespoke Wealth Structuring for Your Masterpiece Portfolio
Finance6 June 2025

The Art Collector’s Blueprint: Mastering Bespoke Wealth Structuring for Your Masterpiece Portfolio

When Francois Pinault's art collection was valued at over $1.4 billion, do you think he just bought beautiful paintings and hoped for the best? Absolutely not. Behind every major art collector's success lies a sophisticated bespoke wealth structuring strategy that protects, grows, and preserves their cultural investments for generations.

How Smart Yacht Owners Are Turning Their Dream Vessel Into a Profitable Charter Business
Finance5 June 2025

How Smart Yacht Owners Are Turning Their Dream Vessel Into a Profitable Charter Business

Your £5 million superyacht doesn't have to sit idle for 50 weeks a year. Smart owners are generating £300,000 annually through strategic charter bookings, effectively turning their luxury vessel into a profit center while they focus on building their business empire.

Navigating Global Art Financing: Cross-Border Lending Solutions
Finance5 June 2025

Navigating Global Art Financing: Cross-Border Lending Solutions

Did you know that a single Picasso can unlock £50 million in liquidity without ever leaving the collector's wall? The global art market, valued at over £50 billion annually, has become one of the most sophisticated alternative asset classes for ultra-high-net-worth individuals.

The Yacht Buyer’s Secret: Why Understanding Loan-to-Value Ratios Could Save You Millions
Finance4 June 2025

The Yacht Buyer’s Secret: Why Understanding Loan-to-Value Ratios Could Save You Millions

Ever wondered how billionaires finance those stunning superyachts you see in Monaco? Here's the thing – even the ultra-wealthy rarely pay cash for multi-million-pound vessels. Instead, they leverage sophisticated financing strategies where yacht loan-to-value ratios play the starring role.

How Smart Art Financing Transforms Estate Planning and Secures Your Legacy
Finance4 June 2025

How Smart Art Financing Transforms Estate Planning and Secures Your Legacy

When David Rockefeller's estate went to auction in 2018, it achieved a staggering $832.6 million – the highest-grossing estate sale in auction history.