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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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  • London
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© 2026 Millionplus.com International Ltd. All rights reserved.

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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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What is a green mortgage and how much can it save you?
Mortgages3 November 2026

What is a green mortgage and how much can it save you?

A green mortgage offers financial incentives for purchasing or upgrading energy-efficient properties. Discover how EPC ratings impact your borrowing options and potential savings.

The Biggest Mistake Borrowers Make With Large Mortgages
Mortgages2 November 2026

The Biggest Mistake Borrowers Make With Large Mortgages

Discover why creating a large credit footprint without a professional pre-screen is the most costly error high-net-worth borrowers make when seeking substantial property finance.

What is the stamp duty on a 2 million pound home in the UK?
Page 1 of 3Next →
Mortgages2 November 2026

What is the stamp duty on a 2 million pound home in the UK?

Discover the exact Stamp Duty Land Tax calculations for a £2 million UK property, including standard rates, investor surcharges, and non-resident levies.

How to use crypto wealth to get a mortgage in 2026
Mortgages2 November 2026

How to use crypto wealth to get a mortgage in 2026

Discover how high-net-worth individuals can leverage digital assets and liquidated crypto to secure a UK property mortgage in 2026.

How large bridging loans work for buy before you sell
Mortgages30 October 2026

How large bridging loans work for buy before you sell

Discover how high-net-worth individuals use large bridging loans to break property chains, cross-collateralise assets, and secure prime real estate before selling their existing homes.

Source of Wealth vs Source of Funds: what lenders want to know
Mortgages30 October 2026

Source of Wealth vs Source of Funds: what lenders want to know

Understand the critical differences between Source of Wealth and Source of Funds, and learn exactly what evidence private lenders require for large UHNW mortgages.

Can foreign nationals get large UK mortgages?
Mortgages29 October 2026

Can foreign nationals get large UK mortgages?

Foreign nationals can secure large UK mortgages through private banks and specialist lenders, provided they meet specific criteria regarding global wealth verification and affordability.

How long does a large mortgage application take?
Mortgages29 October 2026

How long does a large mortgage application take?

A large mortgage application typically takes between four and eight weeks, subject to lender criteria, property valuation, and enhanced due diligence requirements.

Why You Need a Specialist Broker for a Large Mortgage
Mortgages28 October 2026

Why You Need a Specialist Broker for a Large Mortgage

Discover why high-net-worth individuals require a specialist broker to navigate complex income, access private banks, and secure large mortgages.

How Interest-Only Mortgages Work for High Value Properties
Mortgages28 October 2026

How Interest-Only Mortgages Work for High Value Properties

Discover how high net worth individuals utilize interest-only mortgages to preserve liquidity, alongside the acceptable repayment vehicles and strict lender criteria required for high value property finance.

What are dry vs wet mortgage rates at private banks?
Mortgages27 October 2026

What are dry vs wet mortgage rates at private banks?

Understand the critical differences between dry and wet lending in private banking, including how Assets Under Management requirements impact your mortgage options.

Are jumbo mortgage rates higher than standard rates in 2026?
Mortgages27 October 2026

Are jumbo mortgage rates higher than standard rates in 2026?

Jumbo mortgages do not automatically carry higher pricing than standard residential mortgages in 2026. Discover how high-net-worth borrowers use private banks to secure competitive terms.

Should you choose a 2-year or 5-year fixed rate mortgage in 2026?
Mortgages27 October 2026

Should you choose a 2-year or 5-year fixed rate mortgage in 2026?

Deciding between a 2-year and 5-year fixed-rate mortgage requires balancing short-term flexibility with long-term stability. Explore how market conditions and wealth structuring influence this critical financial choice in 2026.

What is Lombard lending and how to use your portfolio as collateral?
Finance27 October 2026

What is Lombard lending and how to use your portfolio as collateral?

Lombard lending allows high-net-worth individuals to unlock capital by pledging their investment portfolios as collateral, providing immediate liquidity without disrupting long-term wealth strategies.

How do lenders assess complex income for large mortgages?
Mortgages27 October 2026

How do lenders assess complex income for large mortgages?

Discover how private banks and specialist lenders use manual underwriting to assess retained profits, RSUs, and variable bonuses for large mortgage applications.

What is the minimum income for a million pound mortgage?
Mortgages27 October 2026

What is the minimum income for a million pound mortgage?

To secure a £1 million mortgage, borrowers typically need an annual income between £166,000 and £250,000, though specialized lenders may offer bespoke underwriting for high-net-worth individuals using asset wealth or complex income streams.

What is the High Net Worth exemption for mortgages?
Mortgages27 October 2026

What is the High Net Worth exemption for mortgages?

The High Net Worth exemption allows lenders to offer flexible, bespoke mortgage terms to borrowers who meet specific FCA income or asset thresholds.

How much can you borrow for a large mortgage in 2026?
Mortgages27 October 2026

How much can you borrow for a large mortgage in 2026?

Discover how borrowing capacity is calculated for high-net-worth mortgages in 2026, including the role of complex income, asset-backed lending, and bespoke private bank criteria.

Source of Wealth vs Source of Funds: what lenders want to know
Mortgages15 September 2026

Source of Wealth vs Source of Funds: what lenders want to know

Source of Wealth (SoW) explains the origin of your entire net worth, while Source of Funds (SoF) details the specific money being used for a transaction. Lenders require this to comply with Anti-Money Laundering regulations.

Buy-to-Let Mortgages for High Value Properties: The Complete Guide
Mortgages14 September 2026

Buy-to-Let Mortgages for High Value Properties: The Complete Guide

A guide to securing buy-to-let mortgages on high-value UK properties, covering affordability assessments, lender types, tax structuring, and the role of private banks for HNW investors.

Portfolio landlord mortgages: financing multiple investment properties
Mortgages14 September 2026

Portfolio landlord mortgages: financing multiple investment properties

A portfolio landlord is a UK investor with four or more mortgaged buy-to-let properties. Financing requires a specialist underwriting process where lenders assess the entire property portfolio's performance, not just a single asset.

Later Life Lending and Equity Release for High Value Homes
Mortgages14 September 2026

Later Life Lending and Equity Release for High Value Homes

Explore later life lending and equity release for high value properties. Understand lifetime mortgages, RIOs, and bespoke private bank solutions for wealth structuring.

How long does a large mortgage application take?
Mortgages10 September 2026

How long does a large mortgage application take?

A large mortgage application (£1 million+) typically takes 6 to 12 weeks from submission to completion, longer than standard mortgages due to complex income verification and enhanced due diligence (EDD).

Why You Need a Specialist Broker for a Large Mortgage
Mortgages10 September 2026

Why You Need a Specialist Broker for a Large Mortgage

A specialist broker is essential for securing a large mortgage because they provide access to private banks and off-market products unavailable on the high street, and possess the expertise to structure complex income.