Large & High-Value Mortgages
Why clients cometo us for high-value borrowing
Large mortgages don’t just require more money – they require more expertise. That’s why clients with significant borrowing needs rely on Capricorn Private Clients. Our advisers understand the demands of high-value property purchases, the intricacies of complex income, and the importance of securing exceptional terms.
Whether you’re borrowing just over £1m or arranging finance for a multi-million-pound acquisition, we deliver clarity, confidence, and access to lenders who specialise in big-ticket lending.
Access to great deals for high-value mortgages
The right large-loan opportunities might not be available with every lender. As an expert brokerage, we can approach:
- Private banks offering bespoke and relationship-led lending
- Specialist lenders who excel in complex or international income
- High-street banks for straightforward large loans at competitive rates
This broad access allows us to secure broker exclusive rates, enhanced terms, and lender arrangements due to our knowledge and scale.
Tailored support from experienced advisers
Large loans demand a deeper understanding of a client’s financial landscape. Our team routinely works with:
- Multiple income streams
- Company directors with variable remuneration
- Foreign currency earnings
- Trusts, SPVs, and asset-backed strategies
- Returning expats
We handle the detail – tax returns, accounts, investment summaries – so lenders clearly understand your financial strength. You get a seamless process and a mortgage structured around your lifestyle and long-term plans.
Our large loan solutions include:
- High-value loans for prime UK residential property
- Lending designed around complex income or asset structures
- Support with interest-only, offset, and flexible repayment strategies
- Arrangements regularly exceeding £1 million
Whether you need a straightforward high-value loan or a bespoke structure, we build the right solution for your specific circumstances.
For loans above £1,000,000, it’s often private banks – not high-street lenders – who offer flexible lending and competitive pricing.
With long-standing relationships across London’s private banking sector, we can introduce you to the right lender, negotiate competitive terms, and ensure your borrowing aligns with your financial goals, wealth strategy, and lifestyle.
Why using a specialist adviser matters
Industry forecasts suggest 91% of all mortgages will be arranged through an adviser in 2026 (source: IMLA December 2024) – because the value is undeniable.
For large mortgages, the advantages are even more significant:
- Faster access to the correct lenders
- More favourable lending terms
- Reduced administrative burden
- Insights only specialists possess
- Access to broker exclusive rates unavailable directly from lenders
Considering a large mortgage?
Our specialist team will guide you from initial conversation through to completion with clarity, confidence, and discretion.