Large Mortgages
Funding for High Value Property
Fox Davidson is a specialist large mortgage broker arranging residential finance from £500,000 to £50 million plus for high earners, high net worth individuals, international buyers and clients purchasing exceptional or unusual properties.
High Earner Mortgages (4.5x to 7x income) | High Net Worth Mortgages (the FCA high net worth rules, whole-of-wealth) | International Mortgages (expat, foreign national, offshore) | Private Bank Mortgages (Coutts, Weatherbys, Investec, Arbuthnot Latham) | Large Acreage Property (country estate, equestrian, smallholding).
Talk to us about your large mortgage
Tell us the loan size and what you are buying or refinancing. We call you back to talk through which lenders fit your income and assets, and what each one will ask for.
- Tell us about the case. Two minutes on the form, or call us.
- We match the lenders. We test your income, assets and the property against private bank, high street large-loan and specialist criteria, then call you with the options.
- We package and submit. One complete application to the lender you choose, managed through to offer and completion.
03300 100313Monday to Thursday 9am to 5pm, Friday 9am to 4pm. Closed weekends.
“Due to slightly challenging employment status (startup founder) we were really struggling to secure a suitable mortgage going through 5 mortgage brokers before we found Fox Davidson.”
“Fantastic service, completed our mortgage from initial enquiry to formal offer within a calendar month.”
“Fantastic, fast, and able to secure a better mortgage for us than others.”
Specialist UK Large Mortgage Broker
Large mortgages require a different approach. High street lenders rely on standard income multiples and automated underwriting that often fails to reflect the full financial picture of an affluent or complex borrower. We work with specialist residential lenders, building society HNW desks, UK private banks and international private banks who assess applications individually, taking into account total wealth, complex income, business interests and assets held across multiple jurisdictions.
The UK's oldest private bank lends interest-only with no maximum age to customers with £10 million or more of wealth; see our C. Hoare & Co mortgages page.
Not sure whether you need a broker at all? Read how to choose a large mortgage broker, including when going direct to your bank is the right answer.
Where wealth sits in an investment portfolio, an investment-backed mortgage can use it as assumed income or extra security, so you borrow more without selling down.
See how the leading UK private bank mortgage lenders compare, including minimum loan sizes and qualifying routes at each.
What we have seen across the last few years is that the gap between high street and specialist large-loan pricing has narrowed at the £500,000 to £1.5m range, but widened materially above £2m where private banks and specialist HNW lenders dominate. The right lender depends on loan size, income complexity, asset position and structural preferences.
Fox Davidson arranges residential mortgages from £500,000 to £50 million plus across the UK. Whether you are purchasing a prime London property, a substantial country estate, financing through a private bank or working with foreign-currency income, we have the lender relationships and underwriter knowledge to structure a solution. When you call, you speak to a senior broker directly.
Five large mortgage routes we arrange
Each route targets a different borrower profile and lender pool. Most cases sit cleanly within one route. A meaningful minority sit across two, and we present the case to each lender pool in parallel to give the borrower a genuine choice.
High Earner Mortgages
4.5x to 7x income lending from £250,000. Bonus, RSU, carried interest, dividend and partnership profit share properly assessed. Nationwide, HSBC Premier, Barclays, Santander, specialist 6x lenders.
Learn moreHigh Net Worth Mortgages
the FCA high net worth definition whole-of-wealth lending from £1 million. £300,000 income or £3 million net assets threshold. Up to 90% LTV. Interest-only with capital event exit. Private bank and specialist HNW underwriter access.
Learn moreInternational Mortgages UK
UK mortgages from £1 million for expats, foreign nationals and offshore companies. Skipton International, NatWest International, Kleinwort Hambros, Investec, EFG, Nedbank. BVI, Jersey, IOM and Cayman structures accepted.
Learn morePrivate Bank Mortgages
Private bank residential finance from £1 million through Coutts, Weatherbys, Arbuthnot Latham, Investec, Hampden & Co, Hoare & Co, J.P. Morgan Private Bank, UBS, Lombard Odier. Dry lending or AUM-backed routes.
Learn moreLarge Acreage Property
Residential finance on rural property with 5+ acres. Country estate, equestrian, smallholding and farmhouse lending from £250,000. Hodge, Suffolk BS, Weatherbys, Coutts, Arbuthnot. AOC and listed building cases supported.
Learn moreContact Fox Davidson
Speak to a senior broker directly. We pre-qualify cases informally before any application is filed and identify the two or three lenders most likely to engage with your profile.
Get in TouchHow we approach large mortgage cases in practice
The case that creates the most difficulty is rarely the largest. It is the case where the borrower has approached one lender, hit one criteria limit and assumed the wider market will respond the same way. Across the active large-loan lender list, the variation on the same case can be £400,000 to £1m+ of borrowing capacity or 50 to 200 basis points of rate.
What we have found over the last few years is that more high earners qualify under the FCA high net worth definition asset test than the income one. A senior professional in their 50s with paid-off equity in their main residence and an investment portfolio frequently meets the £3 million net assets threshold even where annual income sits below the £300,000 income threshold. We assess both routes at the start of the conversation, because the route that qualifies often shapes the lender list.
Where income is the stronger route, our guide to high earner mortgages sets out which lenders stretch to 6x and 7x income, and how bonus, commission and retained profit are each treated on a real case.
Where assets are the stronger route, high net worth mortgages are assessed on total wealth rather than a salary multiple, through private banks and the high street large loan desks that apply the FCA high net worth rules.
The right approach is to model the case across three or four lender outcomes before any application is filed. We do this as standard. The aim is rarely the largest possible loan. It is the right loan for the property, the income profile and the borrower's other commitments, at a rate that works across the life of the deal.
Run the numbers
Before any purchase, model the qualification position and stamp duty cost so you know which route applies and the all-in price.
HNW Mortgage Qualification Calculator
the FCA high net worth definition test. £300,000 income or £3,000,000 net assets, applied as UK private banks read the rule in practice. Primary residence equity and pension included.
Open CalculatorUK Stamp Duty Calculator
SDLT, LBTT and LTT for residential, first-time buyer, additional dwelling, non-UK resident and corporate property purchases.
Open CalculatorMillion Pound Mortgage Calculator
Model repayments on loans from £250,000 to £10 million: capital and interest, interest-only, and part-and-part structures at current rates.
Open CalculatorSpeak to a large mortgages specialist
Contact Fox Davidson for a large mortgage consultation. We arrange specialist residential, HNW, international, private bank and rural property lending from £500,000 to £50 million plus across the UK.
Frequently Asked Questions
What counts as a large mortgage in 2026?
A large mortgage typically refers to residential lending from £500,000 upwards, though the specialist large-loan market sits more clearly from £1 million. Above £1m, lender selection shifts from mainstream affordability scorecards to manual underwriting, complex income assessment, the FCA high net worth rules whole-of-wealth lending and private bank facilities. Above £5m, the market is dominated by UK and international private banks.
What is the minimum loan Fox Davidson advises on for a large mortgage?
Our minimum loan size on large mortgage advice is £500,000. We arrange residential lending from £500,000 to £50 million plus across the UK. The right lender at each size band differs significantly: at £500k to £1m, specialist and premier banking lenders dominate. Above £1m, private banks become viable. Above £5m, private banks are often the only practical route.
How much can a high earner borrow against income in 2026?
Most high earners can borrow between 4.5x and 7x annual qualifying income. Earners above £60,000 typically access 5x, earners above £75,000 access 6x, and earners above £100,000 with strong professional or premier-banking status sometimes access 7x. Private banks under the FCA high net worth definition negotiate multiples case by case based on whole-of-wealth assessment.
What is the FCA HNW exemption and when does it apply?
the FCA high net worth rules is the FCA conduct-of-business rule that allows mortgage lending to high net worth individuals to operate outside the standard affordability assessment framework. It applies to borrowers with net assets of £3 million or more or annual income of £300,000 or more. Private banks use the FCA high net worth rules to assess affordability on a whole-of-wealth basis, lending against income, assets and liquidity rather than income multiples alone.
Can non-UK residents access UK large mortgages?
Yes. British nationals living abroad can access specialist expat mortgage products from lenders including Skipton International, NatWest International and Santander International. Foreign nationals, whether resident in the UK on a visa or purchasing from abroad, can access private bank mortgages where their income, assets and nationality profile meet the lender's criteria. Offshore companies in BVI, Jersey, Guernsey, Isle of Man, Cayman Islands and Luxembourg are accepted by selected private banks and specialist lenders.
Do private banks always require an AUM transfer?
Most do, but not all. The typical expectation is 25% to 50% of the loan value as assets under management with the bank's wealth management arm. Selected private banks (notably some boutique UK independents and some UK clearing bank private arms) lend dry without AUM transfer requirements. The rate on dry lending is usually 50 to 200 basis points higher than the relationship-led equivalent. We identify which banks offer dry lending on each case.
What mortgage products are available on rural and large acreage property?
Specialist residential lenders cover rural property up to around 50 acres on standard residential terms. Private banks (Coutts, Weatherbys, Arbuthnot Latham) cover country estates and substantial rural property at the upper end. Building society HNW desks (Harpenden, Hampden & Co, Vernon, Penrith) cover asset-rich rural cases needing manual underwriting. Equestrian properties in private use are accepted by specialist lenders and Weatherbys. Commercial equestrian operations move to semi-commercial finance.
How long does a large mortgage take to arrange?
Most large mortgage cases complete in four to ten weeks from instruction. High street large-loan cases (£500k to £2m on standard income) complete in three to five weeks. Specialist residential cases (manual underwriting on complex income) take five to seven weeks. Private bank cases vary from four to twelve weeks depending on credit committee scheduling. International and offshore corporate cases typically run eight to sixteen weeks because of the additional documentation involved.