Large Mortgages Mortgages.

A large mortgage, sometimes called a high-value or jumbo mortgage, usually means borrowing more than £500,000. Once you cross that line, plenty of mainstream lenders change how they assess you, and a few set a maximum loan cap that takes them out of the running altogether. Which lender you approach matters far more than it would on a smaller loan. Our [borrowing calculator](/calculators/borrow-amount) gives you a starting estimate for how much you could raise.

Specialist lenders and private banks tend to be more flexible on large loans. They may lend at a higher income multiple (how many times your yearly income they will lend), review your file by hand rather than by computer, and build a product around your circumstances. They are also more open to income that does not fit a simple payslip, such as bonuses, dividends, retained company profits, and earnings from overseas.

At Clearview Mortgage Solutions, our advisers place large mortgage cases with lenders right across the market. We know how high-value lending is judged, and we can help you get 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.