Your browser is out of date

This website has been built for modern browsers, yours is many years out of date and as a result, your experience of this website will be poor.

Please upgrade your browser and pop back.


Large Mortgage Loans

If you’ve found your dream luxury property, finding the right mortgage shouldn’t stand in your way of making it your home.

Buying a high-end property is much like purchasing any other home. The difference is that you’ll likely need a bigger mortgage, and therefore your repayments will be larger. As a general rule of thumb, loans above £500,000 are considered to be a large mortgage.


We have years of expertise in large mortgages, and our bespoke approach will help find one that’s right for you. We make use of our exclusive contacts at all the major and private banks to secure competitive deals, then apply our specialist knowledge to find the right one to suit your circumstances.


We’ll tailor the process entirely to your needs and make sure you’re happy with the offer that is presented to you before moving forward.

Is it more difficult to get a large mortgage?

Due to the amount being borrowed, it can be slightly more difficult to get a large mortgage. This might be because:


  • Not all lenders allow you to borrow that much money, so you may require a specialist lender
  • Options available to you differ in structure and flexibility
  • Your income structure is more complex
  • Your time constraints may not allow you to find a mortgage to suit you

Why Is it more difficult to get a Large Mortgage?

It can be more difficult for high-net-worth individuals to get a mortgage, unless you use an expert broker with experience in this field.

This is because:

  • Not all lenders will allow you to borrow a very large amount of money, which means you’ll likely require a specialist lender
  • The range of options available to you will differ in structure and flexibility
  • The way your income is structured may be very complex
  • Borrowers tend to be busy people with major time constraints
  • Many of these mortgages are bespoke, so finding which lender will offer the best deal requires experience and time

How much deposit do I need?

The minimum deposit for a large mortgage is 10%, depending on your circumstances. However, to make your application easier, it’s recommended you aim for at least a 15% deposit.

Get in touch

If you’re ready to take the first step to securing your dream home, we’re ready to help. Just get in touch with our expert team to get started.

Momentum Mortgages is proud to be a part of Embrace Financial Services .