Understand your position
We review your goals, income, commitments, deposit or equity and timescale.
SPECIALIST PROPERTY FINANCE
High-value mortgages
Discreet, detailed advice for large loans and complex high-net-worth income. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with high-value mortgages
Finding the right funding is about more than comparing rates. Property type, rental or trading income, experience, valuation and ownership structure can all change the outcome.
Compare suitable options
We assess lender criteria, overall cost and suitability, not only the initial rate.
Manage the application
Your adviser and case manager keep the lender, valuation and legal process moving.
Detailed advice for larger mortgage requirements
Large loans can require a more bespoke assessment of income, assets, liquidity and future earnings. Smart Mortgages has experience arranging borrowing requirements up to £1.8 million, with every case assessed individually. The cheapest headline rate is not always the most suitable overall solution.
Complex remuneration
Present salary, bonus, commission, partnership profit, RSUs and investment income clearly.
Asset-backed strength
Identify lenders that can consider wider assets and liquidity where relevant.
Mainstream or private bank
Compare mainstream, specialist and private-bank approaches to larger borrowing.
Flexible structure
Consider offset, interest-only or tailored repayment strategies where appropriate.
Your Smart Mortgages contact
Aaron leads high-value and complex-income mortgage cases, including borrowing requirements involving company-director income, bonuses, RSUs and foreign income.
Detailed advice for larger mortgage requirements FAQs
What counts as a high-value mortgage?
There is no single threshold. Lender appetite and pricing can change at different loan sizes and loan-to-value bands.
Can bonus income be used?
Often yes, subject to track record, sustainability and the lender's averaging method.
Is interest-only available?
Potentially, where the lender accepts the proposed repayment strategy and the overall case.
Specialist knowledge that can make the difference
Our team regularly works with large loans, high net worth and private banking. If a lender or another broker has already said no, that does not always mean there is no route forward. We can review your circumstances and whether a different lender or structure may be appropriate.
Frequently asked questions
How much can I borrow?
It depends on the property, income or rent, deposit or equity, experience, credit profile and lender policy. We provide a case-specific assessment.
Does an initial conversation affect my credit score?
No. An initial discussion with our team does not involve a lender credit search.
Can you help throughout the UK?
Yes. Our branches cover Northern Ireland and Scotland, and we advise clients across the UK.