Large Loan Mortgages

What Defines Large Loans?

Standard lending criteria often don’t apply to high-value mortgages, as affordability, income structures, and asset portfolios require a more tailored approach. Large loans commonly apply to:

  • Prime residential properties – High-value homes in prestigious locations.

  • Property investments – Multi-unit developments or large-scale buy-to-let portfolios.

  • Complex income structures – Borrowers with diversified income streams, bonuses, or investment holdings.

  • High-net-worth financing – Custom lending solutions based on net worth rather than traditional affordability assessments.

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Bespoke Lending Structures for Large Loans

High-Value Residential Mortgages

Large residential mortgages require flexible underwriting, often considering asset-backed lending, investment income, or high salary multiples rather than standard affordability checks.

Interest-Only Large Loans

Many high-value borrowers opt for interest-only mortgages, allowing for greater liquidity and strategic financial planning while ensuring capital remains invested elsewhere.

Private Banking & Discretionary Lending

For complex financial profiles, private banks offer discretionary lending, tailoring mortgage solutions around assets, business earnings, and investment strategies.

Portfolio-Based Lending

For investors with significant property holdings, lenders may structure portfolio mortgages, consolidating multiple properties into a single finance agreement for efficiency and cost savings.

Who Can Benefit from Large Loans?

Large loans are suited for:

  • High-net-worth individuals requiring flexible mortgage terms.

  • Business owners & entrepreneurs with complex income structures.

  • Property investors managing multi-property portfolios.

  • Professionals & executives needing enhanced lending solutions beyond standard affordability models.

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Get In Touch

Securing a high-value mortgage or property loan often requires specialist expertise and access to lenders who understand complex financial structures. Large loans, typically exceeding £1m, involve tailored underwriting, flexible repayment structures, and bespoke financial solutions.

At MSP Financial Solutions, we work with private banks, specialist lenders, and high-net-worth mortgage providers to ensure large loans are structured effectively for your financial planning and long-term goals.

What our clients have to say

  • Donny from MSP was superb at helping me.

    Donny from MSP was superb at helping me get my initial mortgage as a first time buyer. He spent time guiding me through the process and answering all of my questions.

    When it came time to remortgage I knew I was in safe hands with Donny. He helped explain all the range of different options available and their respective pros and cons. Most importantly though, he helped me to lock in the best rate a few months prior to my remortgage date. With subsequent market movements it was great to have piece of mind that we had locked in early.

    I would have no hesitation in using Donny and MSP Financial again! Thanks again Donny!

  • I’ve always been impressed

    Chris Sykes at MSP Financial has handled all my mortgages over the years, and I’ve always been impressed by his professionalism and attention to detail. He doesn’t just find a deal and leave it there, he keeps an eye on things and always lets me know if there’s a rate drop or a better option available. Where other brokers might miss those opportunities, Chris makes sure I never do. He’s clear, thorough, and genuinely has your best interests at heart. Absolutely worth the fee for the level of service and peace of mind he provides.