Large Mortgages Mortgages
Borrowing over £500,000 means fewer lenders, tighter scrutiny, and private banks worth knowing about.
Why large mortgages?
A large mortgage, sometimes called a high-value or jumbo mortgage, typically refers to borrowing over £500,000. At this level, many mainstream lenders apply different underwriting criteria, and some have maximum loan caps that rule them out entirely. Finding the right lender becomes much more important. Our [borrowing calculator](/calculators/borrow-amount) can give you a starting estimate.
Specialist and private bank lenders often offer more flexible terms for large loans, including higher income multiples, manual underwriting, and bespoke products. They are more willing to consider complex income structures such as bonuses, dividends, retained profits, and overseas earnings.
At Clearview Mortgage Solutions, our advisers have experience placing large mortgage cases with lenders across the whole market. We understand the nuances of high-value lending and can help you secure competitive terms, whether you are buying a family home, a London property, a [buy-to-let investment](/mortgage-types/buy-to-let-mortgages), or a rural estate.
Key facts
90+
UK lenders compared
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Free
Initial consultation
CeMAP
Qualified advisers
Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our large mortgages calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Large Mortgages mortgages
A guide to large mortgages
How high-value mortgage lending works, what lenders look for, and how to secure the best deal.
ReadHigh-value property considerations
Valuations, insurance, and the unique challenges of buying expensive homes in the UK.
ReadPrivate bank lending
How private banks approach mortgage lending and when they offer a better option than high street lenders.
Read
Frequently asked.
Your first chat with an adviser is free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, and you will always know the cost upfront. You will never be charged without agreeing to it first.
Talk to a specialist.
large mortgages mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.