High Value Mortgage Advice

Our mortgage advisers provide expert advice and personalised solutions for clients seeking high value mortgage arrangements. 

Our specialist advisers understand that high net worth individuals often require more flexible lending structures to suit complex income streams and asset portfolios. 

Specifically, Errol Hall, Mortgage Broker, Large Mortgage Specialist at Thomas Oliver in Saffron Walden & London, explains: 

“High value mortgage arrangements are about far more than simply accessing a large sum of money. They require a detailed understanding of the client’s entire financial picture, including assets, income streams and long-term goals. At Thomas Oliver, our mortgage brokers take a holistic approach, ensuring that each recommendation is appropriate and fully aligned with the client’s broader wealth management plan.”

Whether you are purchasing a prime residence, investing in property, or refinancing an existing loan, our large mortgage specialist advisers will guide you through every stage of the process with discretion, professionalism and care.

High Value Mortgages: Bespoke Lending for High Net Worth Clients

In today’s property market, many clients are looking for something beyond the standard mortgage structure. For those purchasing higher-value homes or managing complex income arrangements, a high value mortgage can offer the tailored flexibility required to meet unique financial goals. 

At Thomas Oliver, we work closely with clients to understand their wider financial circumstances, ensuring that each lending solution aligns with their long-term objectives and overall wealth strategy.

Understanding High Value Mortgages

A high value mortgage, sometimes referred to as a large loan mortgage, is designed for clients seeking to borrow substantial sums, typically from around £500,000 upwards. 

These arrangements are often bespoke, reflecting the individual nature of a client’s assets, income and investment profile. Unlike standard mortgages, which tend to follow rigid affordability models, high value lending is more nuanced. Lenders in this space often assess the bigger picture, considering income from multiple sources such as bonuses, dividends or business ownership, to create a lending structure that truly fits the client.

For many high net worth individuals, property remains an important part of a wider financial plan. The ability to secure a large loan without liquidating existing investments or disrupting cash flow can be a key advantage. At the same time, this type of borrowing requires careful consideration to ensure it complements the client’s overall financial position and future planning needs.

Tailored Solutions for Complex Circumstances

The appeal of high value mortgages lies in their flexibility. Borrowers may be able to access bespoke terms, including interest-only or part-repayment options, designed around their personal wealth strategy. Each case is reviewed on its own merits, taking into account the client’s income structure, asset base and long-term financial goals.

Because of the sums involved, lenders often expect a lower loan-to-value ratio, meaning a higher deposit or greater equity is typically required. This approach reflects the bespoke nature of the product and the need to manage risk responsibly for both the borrower and the lender. Rates and fees may also differ from standard products, reflecting the tailored nature of the arrangement and the personalised underwriting process.

Professional Advice and Careful Planning

Given the complexity of high value lending, professional advice is essential. The right advice helps clients structure borrowing efficiently, remain compliant with regulatory standards, and protect their long-term financial wellbeing. Each recommendation made by Thomas Oliver is tailored to individual circumstances and based on a full assessment of needs and affordability.

While high value mortgages can provide significant opportunities, including flexibility and access to premium property markets, they also carry responsibility. Larger borrowing magnifies the potential impact of interest rate changes and market fluctuations, so it is vital that clients consider affordability both now and in the future.

At Thomas Oliver, our role is to guide clients through this process with expertise and care. We believe that informed decisions are the cornerstone of successful financial planning, and that includes selecting the right lending structure for each stage of life.

A Thoughtful Approach to Borrowing

High value mortgages represent an important area of specialist lending in the UK. They offer flexibility and sophistication for clients with complex financial circumstances, but they require expert guidance to ensure they remain suitable and sustainable.

At Thomas Oliver, we pride ourselves on offering personalised mortgage advice that takes into account every aspect of a client’s financial position. Whether purchasing a primary residence, a second home, or refinancing an existing property, our priority is to deliver clarity, confidence and a tailored solution that works for the individual.

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

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Thomas Oliver UK LLP is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 25/11/25.