SPECIALIST ADVICE
High-value mortgages
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.
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.
High-value mortgages 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.
YOUR SMART MORTGAGES CONTACT
Discuss your plans with the right adviser.
Aaron leads high-value and complex-income mortgage cases, including borrowing requirements involving company-director income, bonuses, RSUs and foreign income.