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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.

AllReal EstateFinanceCase StudiesMortgagesJetsYachtsLifestyleCarsSuper YachtsWineAircraftArt
Source of Wealth vs Source of Funds: What Lenders Want to Know
Mortgages13 July 2026

Source of Wealth vs Source of Funds: What Lenders Want to Know

Understand the critical difference between Source of Wealth (SoW) and Source of Funds (SoF). Learn what evidence lenders require for large mortgage applications and why these AML checks are vital.

How Do Lenders Assess Complex Income for Large Mortgages?
Mortgages10 July 2026

How Do Lenders Assess Complex Income for Large Mortgages?

Lenders, particularly private banks and specialist financiers, assess complex income for large mortgages through manual underwriting, taking a holistic view of an applicant's total wealth including retained profits, bonuses, RSUs, and investment income, rather than relying on automated calculations.

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What is the High Net Worth exemption for mortgages?
Mortgages7 July 2026

What is the High Net Worth exemption for mortgages?

The High Net Worth (HNW) mortgage exemption is an FCA provision allowing lenders to use flexible affordability criteria for borrowers with an annual net income over £300,000 or net assets over £3,000,000.

How much can you borrow for a large mortgage in 2026?
Mortgages7 July 2026

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

For a large mortgage of £1 million or more in 2026, high-net-worth (HNW) individuals can typically borrow between 5 to 6.5 times their annual income through private banks who assess total wealth, not just salary.

What is Ferrari Classiche certification and why does it matter?
Cars7 July 2026

What is Ferrari Classiche certification and why does it matter?

Discover what Ferrari Classiche certification entails, the process involved, and why the coveted 'Red Book' is essential for verifying authenticity, enhancing value, and preserving the heritage of a classic Ferrari.

How to sell your wine collection: exchanges vs auctions
Wine6 July 2026

How to sell your wine collection: exchanges vs auctions

Expert guide comparing fine wine exchanges like Liv-ex and traditional auctions for selling your collection. Understand the differences in fees, speed, and pricing to maximise your return.

How much can you borrow for a large mortgage in 2026?
Mortgages6 July 2026

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

In 2026, high-net-worth individuals can borrow significantly more for a large mortgage than standard income multiples suggest. Private banks assess total wealth, offering multiples of 5.5x, 6x or higher on complex global incomes, unlocking multi-million-pound financing.

How long should you hold investment wine?
Wine6 July 2026

How long should you hold investment wine?

The optimal holding period for investment-grade wine is typically between 5 and 20 years, varying by region and vintage to maximise appreciation as scarcity increases.

What is the big three of wine investment: Bordeaux, Burgundy, Champagne
Wine6 July 2026

What is the big three of wine investment: Bordeaux, Burgundy, Champagne

The "big three" of wine investment refers to Bordeaux, Burgundy, and Champagne, the three French regions that have historically dominated the fine wine market due to their consistent quality, established secondary market, and long-term price appreciation potential.

What is en primeur wine buying and is it worth it?
Wine2 July 2026

What is en primeur wine buying and is it worth it?

En primeur, or 'wine futures', is the process of buying wine while it is still in the barrel, years before it is bottled. This guide explores whether it's a worthwhile strategy for collectors and investors in 2026.

Why is fine wine considered a recession-proof investment?
Wine1 July 2026

Why is fine wine considered a recession-proof investment?

Fine wine is considered a recession-proof investment due to its tangible nature, inelastic demand from global high-net-worth consumers, a finite supply that decreases as it's consumed, and a historically low correlation with traditional financial markets.

How to buy off-market hypercars and collector vehicles
Cars1 July 2026

How to buy off-market hypercars and collector vehicles

Discover how to access and purchase exclusive off-market hypercars and collector vehicles. Learn the role of specialist brokers, due diligence, and financing.

What is the J-Curve in luxury car depreciation?
Cars30 June 2026

What is the J-Curve in luxury car depreciation?

The J-Curve in luxury car depreciation describes the value trajectory of a rare vehicle, which initially drops steeply, bottoms out, and then begins to appreciate, often surpassing its original value.

How to Verify Provenance When Buying Fine Art
Art29 June 2026

How to Verify Provenance When Buying Fine Art

Verifying art provenance involves meticulously researching and documenting an artwork's history of ownership, exhibition, and publication to confirm its authenticity, value, and legal title. This guide details the essential steps for UHNW collectors.

ICE vs EV Collector Cars: Which is the Better Investment in 2026?
Cars29 June 2026

ICE vs EV Collector Cars: Which is the Better Investment in 2026?

In 2026, ICE vehicles with manual gearboxes offer established investment value, while limited-run EV hypercars present a high-risk, high-reward alternative.

Which luxury car brands hold their value best?
Cars29 June 2026

Which luxury car brands hold their value best?

Discover which luxury car brands like Ferrari and Porsche hold their value best through an expert analysis of resale value, depreciation factors, and financing strategies.

What is the 1000 mile rule for supercar investments?
Cars29 June 2026

What is the 1000 mile rule for supercar investments?

Discover the '1000 mile rule' for supercar investments. Learn how mileage impacts resale value and how to maximise your returns on collectible high-performance vehicles.

Beyond Mortgages: A Guide to Sophisticated Lending for High-Net-Worth Individuals
Finance26 June 2026

Beyond Mortgages: A Guide to Sophisticated Lending for High-Net-Worth Individuals

A guide for HNW individuals on sophisticated lending solutions beyond traditional mortgages, including Lombard loans, single-stock financing, and crypto-backed loans, which offer superior rates and flexibility.

Why are private art sales overtaking auctions?
Art26 June 2026

Why are private art sales overtaking auctions?

Private art sales, or private treaty sales, are increasingly preferred over public auctions by UHNW collectors due to their discretion, cost-effectiveness, and mitigation of auction risks. This shift allows for greater control over the sale of high-value artworks.

What is blue-chip art and how to invest in it in 2026?
Art25 June 2026

What is blue-chip art and how to invest in it in 2026?

Explore the world of blue-chip art investment in 2026. Learn what defines artists like Warhol and Richter, how to acquire and finance works, and the strategies for UHNW portfolios.

Primary vs Secondary Art Market: Which is Better for Beginners?
Art25 June 2026

Primary vs Secondary Art Market: Which is Better for Beginners?

For new collectors, the secondary art market offers a lower-risk entry with established artists and transparent pricing, while the primary market presents higher-risk, higher-reward opportunities and a direct connection to emerging talent. Understanding the key differences is crucial for building a successful collection.

What is the difference between summer and winter yacht seasons?
Yachts24 June 2026

What is the difference between summer and winter yacht seasons?

The primary difference between summer and winter yacht seasons lies in their geography and timing, dictated by climate. The summer 'Med season' runs from May to October in the Mediterranean, while the winter 'Caribbean season' runs from November to April, avoiding the respective regions' adverse weather.

What are expedition yachts and why are they trending in 2026?
Yachts24 June 2026

What are expedition yachts and why are they trending in 2026?

Expedition yachts are robust, long-range vessels designed for exploring the world's most remote regions. In 2026, they are trending among UHNW individuals due to a growing desire for unique experiences, enhanced privacy, and advancements in sustainable technology.

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.