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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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Milan luxury property market: why it is surging ahead in 2026
Real Estate20 July 2026

Milan luxury property market: why it is surging ahead in 2026

Discover why Milan's prime real estate is booming in 2026. Our expert guide covers key districts, powerful tax incentives for foreign buyers, and the drivers behind its surge as a top European investment destination.

A Comprehensive Guide to Securing a Mortgage in Retirement
Mortgages14 July 2026

A Comprehensive Guide to Securing a Mortgage in Retirement

Discover how securing a mortgage in your 70s, 80s, or even 90s is achievable with specialist lenders. This guide explains how pension and investment income are used for affordability, the types of products available, and the strategic financial planning opportunities this unlocks.

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How to Release Capital From a Property Portfolio Without Selling (2026)
Real Estate23 June 2026

How to Release Capital From a Property Portfolio Without Selling (2026)

Discover how experienced property investors use portfolio remortgaging to release capital without selling assets, avoiding Capital Gains Tax and positioning their portfolios for strategic growth.

A Guide to Restructuring Your Property Portfolio into a Limited Company (SPV 2026)
Real Estate23 June 2026

A Guide to Restructuring Your Property Portfolio into a Limited Company (SPV 2026)

A detailed guide for UK landlords on restructuring a personally-owned property portfolio into a tax-efficient Limited Company (SPV) to mitigate Section 24 and improve profitability.

Lisbon vs Porto luxury property: investment comparison for 2026
Real Estate4 June 2026

Lisbon vs Porto luxury property: investment comparison for 2026

Lisbon offers a mature, liquid luxury property market, while Porto presents higher growth potential and value. This analysis compares prime districts, yields, and taxes for UHNW investors considering Portugal in 2026.

Milan luxury property market: why it is surging ahead in 2026
Real Estate4 June 2026

Milan luxury property market: why it is surging ahead in 2026

Milan's luxury property market is surging in 2026, driven by post-Olympic investment, favourable tax regimes for foreign buyers, and its status as a global finance and fashion capital. Prime districts like Quadrilatero della Moda and Porta Nuova are seeing significant demand.

The "Buy, Borrow, Die" Strategy: A Deep Dive for UHNW Investors
Finance8 May 2026

The "Buy, Borrow, Die" Strategy: A Deep Dive for UHNW Investors

Discover the "Buy, Borrow, Die" strategy, a powerful wealth management framework used by the ultra-wealthy to access tax-free liquidity from their assets without selling, avoiding Capital Gains Tax and preserving generational wealth.

Red Alert: Why the UK Mortgage Market Just Hit a Tipping Point
Finance9 March 2026

Red Alert: Why the UK Mortgage Market Just Hit a Tipping Point

Market Alert Red Alert: Why the UK Mortgage Market Just Hit a Tipping Point The financial markets have sent a clear and urgent signal. In the last 48 hours, the underlying costs that determine every fixed-rate mortgage in the UK have surged dramatically. This is not a minor fluctuation.

Why Mortgage Valuations Come in Below Asking Price
Real Estate2 February 2026

Why Mortgage Valuations Come in Below Asking Price

You've had your offer accepted, exchanged contracts are in sight, and then your mortgage lender delivers unexpected news: their valuation has come in below the asking price you've agreed to pay. If you're feeling frustrated, confused, or worried about your purchase falling through, you're not alone.

What Makes a Property Unmortgageable in the UK?
Real Estate30 January 2026

What Makes a Property Unmortgageable in the UK?

Discovering that your dream property won't qualify for a mortgage can derail a purchase in devastating fashion. Whilst most UK properties meet standard lending criteria, certain characteristics make properties either temporarily or permanently unmortgageable through mainstream lenders.

Best Coastal Towns to Buy Property in the UK
Real Estate29 January 2026

Best Coastal Towns to Buy Property in the UK

The British coastline has never been more appealing to property buyers. Remote working, lifestyle reassessment and the search for better value outside major cities have transformed coastal towns from retirement destinations into genuine alternatives for families, professionals and investors alike. But "best" depends entirely on what you're looking for.

Tracker vs Fixed Rate Mortgages Explained (UK Guide)
Real Estate21 January 2026

Tracker vs Fixed Rate Mortgages Explained (UK Guide)

Choosing between a tracker and fixed rate mortgage represents one of the most important financial decisions homebuyers face. Get it right and you'll save thousands whilst maintaining comfortable monthly payments. Get it wrong and you're either locked into rates above market levels or exposed to payment shocks when interest rates rise.

Prime vs Super-Prime Property: What’s the Difference?
Real Estate19 January 2026

Prime vs Super-Prime Property: What’s the Difference?

The terms "prime" and "super-prime" appear frequently in luxury property marketing, often used interchangeably or without clear definition. This creates confusion for buyers navigating the upper end of residential markets. The distinction matters. Prime vs super prime property represents fundamentally different asset classes with distinct buyer profiles, market behaviours, and investment characteristics.

Landlord Tax Changes Explained Simply (What UK Property Owners Need to Know)
Real Estate13 January 2026

Landlord Tax Changes Explained Simply (What UK Property Owners Need to Know)

Being a landlord used to be straightforward. Buy a property, rent it out, deduct your mortgage and expenses, pay tax on what's left. Simple. Not anymore. Over the past decade, landlord tax changes have fundamentally altered how rental income is taxed, what expenses you can deduct, and how much you'll ultimately pay HMRC.

Can a Landlord Increase Rent? UK Rules Explained
Real Estate12 January 2026

Can a Landlord Increase Rent? UK Rules Explained

Rent increases cause genuine anxiety for tenants. You're settled in your home, managing your budget, then a letter arrives proposing higher monthly payments. Can your landlord actually do this? Do you have any say in the matter? For landlords, rent increases are equally contentious. Property costs rise—mortgages, maintenance, insurance, regulations. Raising rent feels justified.

The Biggest Mortgage Lie You’ve Been Told (Why Paying Off Your Mortgage Isn’t Always Smart)
Real Estate9 January 2026

The Biggest Mortgage Lie You’ve Been Told (Why Paying Off Your Mortgage Isn’t Always Smart)

Don't pay off your mortgage. Yes, that's right. Most people in the UK think the smartest thing they can do is pay off their mortgage as quickly as possible—overpaying monthly, throwing bonuses at the balance, celebrating the day that final payment clears.

Buying a House with Bad Credit – Realistic UK Options (2026 Guide)
Real Estate30 December 2025

Buying a House with Bad Credit – Realistic UK Options (2026 Guide)

If you're hoping to buy a house with bad credit, let's start with the truth: it's harder, but it's not impossible. Bad credit doesn't automatically disqualify you from homeownership, but it does narrow your options, increase your costs, and require more preparation than someone with a spotless credit file.

First-Time Buyer Mistakes That Cost Thousands (And How to Avoid Them)
Real Estate26 December 2025

First-Time Buyer Mistakes That Cost Thousands (And How to Avoid Them)

Buying your first home ranks among life's most significant financial decisions—and potentially most expensive mistakes. First-time buyers face particular vulnerability: lacking transaction experience, often stretching budgets to enter competitive markets, and navigating complex legal and financial processes without the benefit of lessons learned from previous purchases.

Interest-Only vs Repayment Mortgages: Which Is Better in the UK? (2026 Guide)
Real Estate23 December 2025

Interest-Only vs Repayment Mortgages: Which Is Better in the UK? (2026 Guide)

Choosing between an interest-only and repayment mortgage represents one of the most consequential financial decisions you'll make when purchasing property. The structure you select determines not just your monthly payment affordability, but your total borrowing cost over 25-30 years, your equity accumulation rate, and ultimately whether you own your property outright at mortgage maturity.

New Renters Reform Act: What It Means for Tenants and Landlords (2026 Guide)
Real Estate23 December 2025

New Renters Reform Act: What It Means for Tenants and Landlords (2026 Guide)

The Renters Reform Act represents the most significant overhaul of England's private rental sector in decades. After years of consultation, delays, and political debate, the legislation that fundamentally reshapes the landlord-tenant relationship is now being implemented throughout 2026.

Best Time of Year to Buy a House in the UK (2026 Guide)
Real Estate19 December 2025

Best Time of Year to Buy a House in the UK (2026 Guide)

Timing your property purchase can genuinely save you tens of thousands of pounds. The UK housing market follows predictable seasonal patterns that create windows of opportunity for savvy buyers—periods when competition drops, seller motivation peaks, and negotiation leverage shifts dramatically in your favour. Understanding these cycles matters more than most buyers realize.

Shared Ownership Pros & Cons: Is It Worth It in 2026?
Real Estate18 December 2025

Shared Ownership Pros & Cons: Is It Worth It in 2026?

Shared ownership has become one of the UK's most discussed property schemes, yet it remains one of the most misunderstood. With property prices in many UK cities now completely out of reach for average earners, the part-buy part-rent model promises an accessible route onto the property ladder.

Best Places to Buy Property in the UK Under £250k, £300k & £400k (2025 Guide)
Real Estate12 December 2025

Best Places to Buy Property in the UK Under £250k, £300k & £400k (2025 Guide)

Finding an affordable property in today's UK market feels like searching for a needle in a haystack, doesn't it? With London property prices absolutely volcanic and even regional cities pushing beyond what most buyers can afford, knowing where to look becomes the difference between getting on the property ladder this year or waiting another five.

No Stamp Duty Cut – What This Means for Buyers in 2026
Real Estate10 December 2025

No Stamp Duty Cut – What This Means for Buyers in 2026

Rumours of stamp duty relief dominated property speculation through late 2025 as buyers hoped the Autumn Budget would deliver meaningful cost reductions. Instead, the government maintained the status quo—no cuts, no extensions, no relief.