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

For high-net-worth individuals in 2026, borrowing capacity for a large mortgage is not limited by standard income multiples. Private banks assess total wealth, complex income, and future earnings to lend at multiples of 5.5x to 6x or higher.

Deciding how to sell your fine wine? Compare specialist wine exchanges like Liv-ex with traditional auction houses like Sotheby's to maximise returns and choose the right channel for your collection.

The optimal holding period for investment wine typically ranges from 5 to 20 years, balancing the wine's maturation curve against market dynamics and your personal financial strategy.