Large Loans

We are experts in large mortgages and our advisors have a wealth of experience. If you’re looking for a million pound mortgage, regardless of the complexity of your income we can explore potential financing routes available for your situation.

Lender criteria and rates are much more movable for mortgages over £1 million. We assess the entire market to make sure we get you the best possible terms and analyse and assess a number of different ways to structure the loan.

Prospect Tree Mortgages offer quality service, discretion and the ability to work complex lending scenarios of a million pound upwards.

Great service throughout and always on hand to explain or deal with any queries or changes. Couldn’t be happier with the service they provided

Large loan case study

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Case Study

Here is an example of how we’ve helped a client of ours achieve their property goals.Read on to find out more, or start your own journey today.

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The Client

Our clients are both barristers working in London. They own their own home, and want to buy a second property in Oxfordshire for them and their family.

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The Challenge

Purchasing an additional property in another county for over £2 million on an interest only basis. They have a residential mortgage in place and are working to a budget for the new loan.

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The Solution

As our client was concerned about rising interest rates, we were able to recommend them a product with an initial fixed rate period of 5 years. The lender was also able to offer this on an Interest only basis.

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The Result

They were able to complete on their new purchase quickly and with travel restrictions in place at the time, this was a god send for them and their families.

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Review

Fred Barham and Matt Lee were both very helpful. responsive and excellent at ensuring everything was arranged in good time. They communicated with the bank’s solicitor where required and were always available to answer queries

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Finding the right mortgage

If you are planning on purchasing a particularly high-value property, you may find that high-street lenders may not be able to offer loans large enough to cover the mortgage you require. If you have found yourself in this situation, it is best to seek out the services of a large loan mortgage specialist.

A large loan is considered to be anything over £500,000. However, we find that the vast majority of our clients considering a larger mortgage need funds in excess of £1,000,000.

As many high street lenders do not have the capacity to lend funds at this level, it is important to speak to an expert who is familiar with the large loan marketplace.

When I applied for a mortgage I expected the process to be quite stressful. I used Prospect Tree Mortgages to arrange it for me and had no need to worry. The whole process went very smoothly and they kept me informed on the progress. So I would highly recommend them.

Start your journey by speaking to an expert today.