How do I find a large mortgage loans broker?

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.


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03304 332 927
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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 03304 332 927 or enquire now.

Mortgage loan calculator
First applicant

First mortgage applicant

* £
Second applicant

Second mortgage applicant

* £

As a guide, you could potentially borrow around:


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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?

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