High Net Worth Mortgages & Complex Borrowing

Large mortgages from £500,000 to £2.5 million support the purchase of high-value homes, luxury property, or substantial investments.

At Thomas Oliver, our High Net Worth Mortgage Advisers, provide clear guidance and access to a wide range of lenders for complex or high-value borrowing.

Call 01707 872 000 or complete our enquiry form for a free, no-obligation consultation.

Key High Net Worth Mortgage Features

  • High-value lending typically £1m+.
  • Bespoke assessment based on income, assets, investments, and overall financial position.
  • Flexible repayment options, including interest-only or part-and-part.
  • Access to specialist lenders for significant borrowing.

Eligibility & What Affects Borrowing

Lenders assess full financial circumstances, including:

  • Income structure: salary, bonuses, dividends, business or rental income.
  • Assets and net worth.
  • Deposit size, higher deposits often improve terms.
  • Affordability under Financial Conduct Authority (FCA) rules.
  • Financial stability, liabilities, and outgoings.

Types of Large Mortgages

  • High-net-worth and luxury-property loans.
  • Interest-only or part-and-part structures.
  • Options for complex or multiple income streams.
  • Asset-backed or wealth-supported lending.
  • Large buy-to-let or investment mortgages.

What Lenders May Require

  • Proof of income or business accounts.
  • Evidence of additional income sources.
  • Details of assets and investments.
  • Bank statements and liabilities.
  • Larger deposits and a clear repayment plan.

Specialist High Net Worth Mortgage Advice Matters

We help identify suitable lenders, structure your application, assess long-term risks, and support you throughout the process. As an FCA-regulated mortgage adviser via The Openwork Partnership, all recommendations are made in your best interests.

Mortgage Broker Saffron Walden & Cricklewood, North London

Contact Our Specialist Mortgage Team

As a specialist mortgage broker with many years’ experience, Errol Hall specialises in helping high-earning professionals, entrepreneurs and high net worth clients secure large mortgages where traditional lenders may struggle to understand their income arrangements. Call 01707 872 000 or complete our enquiry form to start your free, no-obligation consultation. We’ll assess your financial position, recommend suitable options, manage your application, and provide ongoing reviews as circumstances change.

High Net Worth Mortgages with Thomas Oliver

When it comes to complex, high-value property finance, experience and connections matter. Thomas Oliver mortgage advisers specialise in helping high-earning professionals, entrepreneurs, and investors secure large mortgages that traditional lenders may struggle to approve.

Why work with Thomas Oliver

  • Complex Income Expertise – Bonuses, dividends, Restricted Stock Units (RSUs), foreign income, and multiple revenue streams handled efficiently.
  • Access to Specialist Lenders – Relationships with specialist banks and niche lenders who assess applications on merit.
  • Tailored Solutions – Mortgages structured to compliment your lifestyle, investment plans, and long-term ambitions.
  • Effortless Process – From paperwork to underwriter liaison, Thomas Oliver ensure a smooth, efficient journey.

Whether you’re looking for a £500k mortgage or a multi-million-pound facility, our mortgage advisers combine specialist knowledge, trusted lender relationships, and personalised service to make your property finance ambitions a reality.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

It is important to note that there are most buy to let mortgages that are not regulated by the Financial Conduct Authority.

5 Star Google Rating

Exceptional Service and outstanding results once again! We recently worked with Errol, and we could not be happier with the experience. From start to finish, his professionalism, expertise, and dedication were evident. Unlike another mortgage broker we consulted, Errol was able to secure us a significantly better deal, getting us more money with favourable terms that suited our financial needs.

Mr P, Mortgage Customer, London

For expert mortgage advice contact our Mortgage Brokers

Complete our quick enquiry form or call our advisers on
01707 872 000

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