How do I find a large mortgage loans broker?
Who offers larger mortgages these days?
As property prices in and around London and our other big metropolitan cities continue to rise into the millions, you may find that you need a larger mortgage to secure the kind of home you want to live in. The problem is that many high street lenders simply won’t lend above the £1m mortgage mark.
John Charcol is an expert in helping high net worth and high income clients to arrange larger mortgages. We approach specialist lenders and private banks who we know are willing to lend on a larger scale, particularly if the borrower is supported by a professional mortgage broker like John Charcol.
NO MATTER
HOW COMPLEX
Are lending limits rising in line with property price rises?
When it comes to high value mortgages - many of our high income clients are finding that standard lending limits simply don't go high enough for the kind of property they want to buy. It is not unusual to raise a mortgage for more than a million pounds when wanting to purchase a property, either to live in or as an investment in or around London, Manchester, Birmingham Edinburgh, Glasgow, Bristol or other desirable locations.
If you’re looking for a large mortgage loans, you need to make a case to one of the specialist lenders or private banks who are used to arranging loans for larger sums.
How can John Charcol help with larger mortgages?
We are possibly the biggest and most established arranger of large mortgage loans in the UK. We’ll spend time looking at your personal financial situation and do our best to build a case for the loan you need.
With years of experience and excellent contacts, we know who to approach in order to secure high net worth mortgages at competitive rates. As a respected broker we can:
- Talk directly with underwriters at specialist lenders and private banks who we know have a proven track record in closing larger mortgage deals
- Understand structures like family trusts, offshore investments, international wealth and multi-currency income profiles and present a compelling case on your behalf
- Manage large mortgage loans for UK and foreign nationals and deal with any other financial or professional advisers you may wish to be involved
- Find competitive rates even on very large mortgages (we regularly arrange mortgages of multiple millions for clients)
- Move quickly enough to ensure that you get the home or property investment you have set your heart on, as time is often a factor in larger deals
To find out how we can help with your larger mortgage, call us on 0344 346 3672 or enquire now.
Need some advice?
Send us your details and we will help find the mortgage that's right for you:
Frequently asked questions
How much of my bonus can be counted as earnings for a larger mortgage application?
That depends on the lender. Some High Street lenders will use 25% of the last bonus added onto the basic salary...some will take 100%. We know who is best to approach when bonuses are part of the equation.
How can I get a Large Mortgage Loan?
You need to make a case to one of the specialist lenders or private banks who are used to arranging loans for larger sums. We’ll spend time looking at your personal financial situation and do our best to build a case for the loan you need.
As a foreign national, can I still get a UK mortgage?
Yes…it helps if you are living in the UK, but if you are outside of the UK we can still assist. It really helps if you have a global tax adviser or work for a large international corporation. Keep in mind there are some countries that do not allow their citizens the ability to borrow towards a property purchase.
Can you help me to arrange a mortgage around my busy work schedule?
At Charcol we’re used to working with high net worth individuals who are under real time pressure. That’s why we come to you and fit in with your schedule.
What is meant by a mortgage loan?
A mortgage loan is a loan taken out to buy property or land. The terms of the loan are agreed by the lender you decide to take it our with.
Is there a fast-track service so that I can secure the property I have my eye on now?
Unlike high street lenders we’re fast and nimble, so if you need us to talk to an Estate Agent or make things happen fast to secure a particular property, we’ll do everything we can to make that happen.
Can I speak to someone with the authority to make decisions based on my real circumstances rather than computer-set limitations?
Yes. At Charcol our consultants are all experienced independent financial advisers. We often arrange London City mortgages through reputable private banks and investment houses who have much more flexibility on who they lend to and how much they will lend.
Why John Charcol?
- Independent We know where to find the best deals for people like you.
- Experienced We’ve been arranging mortgages for almost 40 years.
- Personal We’ll come to you and take as much pain out of the process as humanly possible.
- Expert Many of our clients don’t qualify for a standard mortgage. That’s where our expertise comes in.
- Flexible We're used to working with high net worth individuals who want flexible mortgages that give them best value.
- Fast We work quickly to make things happen in the timeframes you need.
- Accessible We’re real people available on the end of the phone or in person, as and when you need us.
NO MATTER
HOW COMPLEX
What our customers say
John Charcol
0330 057 5173 £ Cutlers Exchange, 123 Houndsditch London EC3A 7BU
Excellent
1659 Total reviews
4.84 Average rating
- 5★ ★ ★ ★ ★
Dr
I heard of John Charcol from a friend. I didn't have much idea as this was the first time I was looking for mortgage advice. Adviser Adam was super helpful through out. He helped to find the deal suits my needs best. He was very patient with all my queries. Application phase went very smoothly and I got the offer in about 2 weeks. I have already got my keys last week! Here to say a big thank you to Adam and all other staffs helped me from John charcoal through out my purchase!
Posted - 5★ ★ ★ ★ ★
Anonymous
I wasn't sure if I could raise the financing I needed, two remortgages plus one new buy to let deal, Steven crunched the numbers, said it would work, put it all in place, it worked! Minimum fuss, maximum great service.
Posted - 5★ ★ ★ ★ ★
Anonymous
Very helpful no matter how stupid the question may have been. I cant fault the service provided. Very professional company and good value for money. I for one would not use any other company on future purchases
Posted - 5★ ★ ★ ★ ★
Gareth
We have had a challenging mortgage process, but Fiona Allen went way 'above and beyond' getting it done and completed on time. The rate was really competitive, but more than that, Fiona's persistence, patience, and generally really helpful approach just made a fraught process much more bearable. Thank you so much!
Posted - 5★ ★ ★ ★ ★
Mrs M
Sabbi explained the whole process in simple terminology and explained what would be happening. He went above and beyond to find me the best rates and kept me informed of what was happening. He worked out of hours to call me when I couldn't take calls during my work time. What a star :)
Posted - 5★ ★ ★ ★ ★
LT
We have used John Charcol since we bought our first property in 2009. They provide an excellent, no hassle service and Sener Topal who is our advisor is excellent at providing all the information, ensuring everything runs to time and provides clarity at all levels. Would highly recommend!
Posted - 5★ ★ ★ ★ ★
Godfrey
A big thank you to Sophie, who found us a great deal / product and Cristian for providing timely updates. We could not say thank you enough for all your help and a making the process absolutely stress free.
Posted - 5★ ★ ★ ★ ★
Anonymous
Excellent attentive service with great knowledge
Posted - 5★ ★ ★ ★ ★
Anonymous
Made the process so much easier for us! It was a complex mortgage case and we didn't really know where to start - Nicole still helped us find a value for money mortgage that worked for us both. She kept us updated throughout the process and made what is a very stressful time a lot less stressful!
Posted - 4★ ★ ★ ★ ★
Anonymous
We were very happy with Razz at John Charcol during our remortgage. He was very professional, answered our queries promptly and was understanding when we had questions.
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