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Whether you are looking to buy, sell, or finance a luxury asset, our team is here to assist. Tell us what you need.
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MillionPlus
Whether you are looking to buy, sell, or finance a luxury asset, our team is here to assist. Tell us what you need.
Powered by MillionPlus AI · Privacy Policy
MillionPlus Journal
Market intelligence, case studies and expert commentary on property, luxury asset finance, crypto-backed lending and private wealth.
An in-depth explanation of private market equity lending, exploring how it solves the 'asset-rich, liquidity-constrained' problem for founders, executives, and investors with significant wealth tied up in unlisted companies.
Lenders assess complex income for large mortgages through manual underwriting by specialist private banks, who analyse multiple streams like bonuses, commissions, retained profits, and vested RSUs over a 2-3 year period to establish a sustainable income figure.
The minimum income for a £1 million mortgage typically ranges from £167,000 to £225,000, but this depends entirely on the lender's criteria. While high street banks often use a rigid 4.5x income multiple, private banks assess a client's total wealth and offer more flexible, bespoke affordability models.
