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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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© 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.

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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How Million Plus Private Finance Secured a £6 Million London Townhouse Through Private Bank Finance For Our Client
Case Studies16 February 2026

How Million Plus Private Finance Secured a £6 Million London Townhouse Through Private Bank Finance For Our Client

When our client decided to purchase a luxury townhouse in central London, he already had a well-established business and a strong financial foundation. However, much of his income came from overseas investments and cross-border business ventures. While his overall wealth was significant, traditional lenders struggled to understand his complex income structure.

London prime softens as affluent buyers chase value outside the capital
Finance4 February 2026

London prime softens as affluent buyers chase value outside the capital

While super-prime London still attracts global wealth, the £1m–£10m buyer is increasingly heading for the country Prime London property has hit a soft patch, and it's not just political noise or tax threats behind the slowdown.

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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.

Swiss Luxury Alpine Resort Finance for an International Property Investor
International Mortgages29 January 2026

Swiss Luxury Alpine Resort Finance for an International Property Investor

Our client was an international property investor with an established portfolio of high-quality real estate and operating assets across Europe. They sought financing for the acquisition of a luxury alpine resort in Switzerland, positioned as a long-term lifestyle and investment asset with strong seasonal income characteristics, while preserving liquidity across the wider portfolio.

Cross-Border Investment Mortgage for an International Executive
International Mortgages29 January 2026

Cross-Border Investment Mortgage for an International Executive

The client was an internationally mobile executive with income derived from multiple jurisdictions and assets held across several currencies. They sought financing for an overseas investment property in the United States. Conventional lending frameworks struggled to accommodate the client's income structure and global exposure.

International Residential Mortgage for a UK Entrepreneur
International Mortgages29 January 2026

International Residential Mortgage for a UK Entrepreneur

The client was a UK-based entrepreneur with substantial retained profits and a diversified international investment portfolio. They were acquiring a prime residential property in Southern Europe intended as a long-term family asset. Local lending options were limited in their ability to assess the client's wider balance sheet and international income profile.

Agricultural Property Finance for a Diversified Rural Estate Portfolio
Agricultural Property Finance29 January 2026

Agricultural Property Finance for a Diversified Rural Estate Portfolio

Our client was a rural estate owner with agricultural land, let residential property, and commercial units held across multiple entities. Income was fragmented and retained within operating structures, making traditional affordability assessments restrictive. The requirement was to refinance existing borrowing and fund estate improvements without disrupting operational cashflow.

Farm Land Loan Structured for an Asset-Rich Rural Landowner
Agricultural Property Finance29 January 2026

Farm Land Loan Structured for an Asset-Rich Rural Landowner

An asset-rich landowner held agricultural land alongside development-adjacent plots and international investments. Income was largely investment-led, with minimal reliance on farming turnover. Conventional farm mortgage providers were unable to accommodate the client's structure or long-term repayment preferences.

Agricultural Property Finance for a Multi-Generational Farming Estate 
Agricultural Property Finance29 January 2026

Agricultural Property Finance for a Multi-Generational Farming Estate 

The client was a multi-generational farming family holding several hundred acres of agricultural land, with additional commercial and residential assets held within a family structure. Income was diversified across farming operations, land leasing, and retained profits, creating complexity for traditional agricultural lenders focused on operating income alone.

Trading Business Acquiring Owner-Occupied Commercial Premises
Commercial Property Finance29 January 2026

Trading Business Acquiring Owner-Occupied Commercial Premises

The borrower was the owner of a long-established UK manufacturing business seeking to acquire its trading premises following the expiration of a long-term lease. The property value was approximately £3.4 million, and the borrower required a commercial mortgage structure that avoided excessive amortisation and preserved cash within the operating business.

Regional Commercial Landlord Refinancing a Multi-Let Asset
Commercial Property Finance29 January 2026

Regional Commercial Landlord Refinancing a Multi-Let Asset

The borrower was a UK-based commercial landlord holding a diversified portfolio of regional industrial and office assets, with a focus on stable, income-producing properties. The requirement was to refinance a multi-let commercial building valued at approximately £4.6 million in order to consolidate existing facilities and improve cashflow efficiency.

Boutique Hotel Acquisition Using Commercial Property Finance
Commercial Property Finance29 January 2026

Boutique Hotel Acquisition Using Commercial Property Finance

The borrower was an experienced UK hotel operator acquiring a freehold boutique hotel with fewer than 30 keys in a prime regional location. The purchase price was approximately £5.2 million, with trading history supported by stable occupancy and consistent EBITDA.

£15.0 Million Family Office Property Portfolio Facility
Property Portfolio Finance29 January 2026

£15.0 Million Family Office Property Portfolio Facility

A family office managed a multi-property residential portfolio as part of a wider investment and intergenerational planning structure. Existing facilities lacked flexibility and did not align with long-term stewardship objectives. Million Plus Private Finance reviewed the portfolio's asset composition, income profile, and governance framework.

£8.5 Million Mixed Residential Portfolio Refinance For International Investor | UK & Overseas
Property Portfolio Finance29 January 2026

£8.5 Million Mixed Residential Portfolio Refinance For International Investor | UK & Overseas

The client held a UK residential portfolio alongside international property and investment assets. Legacy borrowing arrangements were restrictive and did not reflect the scale or diversification of the wider asset base. Million Plus Private Finance assessed the UK portfolio in the context of the client's overall balance sheet, including cross-border income and asset exposure.

£12.0 Million Property Portfolio Facility Across London Residential Assets
Property Portfolio Finance29 January 2026

£12.0 Million Property Portfolio Facility Across London Residential Assets

Client: Private Landlord | Greater London Our client held a portfolio of residential investment properties across London, accumulated through multiple acquisitions over time. Existing borrowing was fragmented across individual properties, limiting flexibility and increasing administrative complexity. Million Plus Private Finance reviewed the portfolio holistically, assessing aggregate value, rental income, and long-term performance.

£4.5 Million Private Lending Facility for a Family Office
Private Lending29 January 2026

£4.5 Million Private Lending Facility for a Family Office

The family office sought a private lending solution aligned with long-term capital preservation and intergenerational planning. Existing borrowing arrangements lacked flexibility and did not reflect the scale or composition of the underlying asset base. Million Plus Private Finance reviewed the family office's property holdings, investment assets, and governance structure.

£3.2 Million Private Loan for an International Client
Private Lending29 January 2026

£3.2 Million Private Loan for an International Client

Our client required UK-based liquidity supported by overseas assets held across multiple jurisdictions. Cross-border income sources and asset locations created complexity that standard lenders were unable to accommodate within conventional underwriting frameworks. Million Plus Private Finance coordinated a full review of the client's international holdings, income streams, and existing liabilities.

£6.0 Million Private Lending Facility Secured Across Multiple Assets
Private Lending29 January 2026

£6.0 Million Private Lending Facility Secured Across Multiple Assets

Our client required a flexible private lending facility to support liquidity needs across a diversified balance sheet comprising UK residential property, listed investments, and private business interests. Income flows were irregular due to reinvestment and international exposure, making conventional lending routes unsuitable.

Bespoke Mortgage Structuring for a Multi-Generational Family Office
High Value Mortgages28 January 2026

Bespoke Mortgage Structuring for a Multi-Generational Family Office

A UK-based family office managing a multi-generational portfolio sought funding to support the acquisition of a countryside estate while retaining flexibility across existing property and investment holdings. The family's wealth was held across operating businesses, real estate, and financial assets, with ownership structures designed to support long-term stewardship rather than short-term liquidity events.

Refinancing a High Value UK Property for an International Investor
High Value Mortgages28 January 2026

Refinancing a High Value UK Property for an International Investor

Our client is an international investor with a diversified portfolio spanning UK residential property, overseas investments, and assets held through offshore structures. Income was generated across multiple jurisdictions, creating complexity in reporting and cashflow assessment.

Prime London Residential Acquisition for a UK Business Owner
High Value Mortgages28 January 2026

Prime London Residential Acquisition for a UK Business Owner

Our client is the majority shareholder of a profitable UK-based business with significant retained earnings, investment assets, and a diversified personal balance sheet. While income taken personally was modest, overall wealth was substantial and supported by long-term asset strength and liquidity.

£4.2 Million Blended Facility Using Single Stock and Listed Portfolio
Single Stock Loans28 January 2026

£4.2 Million Blended Facility Using Single Stock and Listed Portfolio

Our client, an international investor, held a substantial single-name equity position alongside a diversified listed portfolio. He required liquidity to support opportunistic investments while retaining exposure to the core holding. Million Plus Private Finance reviewed the client's balance sheet, including asset concentration and jurisdictional considerations.