Distinguish wealth from funds available to repay
Investment holdings, business interests and property equity each have different levels of liquidity and risk. We consider whether a conventional mortgage meets the need before exploring more individual underwriting. The structure should fit both the purchase and your access to capital.
A large loan or a more individual property?
Wealth, the amount borrowed and the property itself are separate parts of the assessment. The £1m+ mortgage page explains the borrowing brief, with dedicated sections for large homes and estates and complex property types. If the transaction includes a separate plot or building project, also explore land and development finance.
How I approach the case
We begin with what you want to achieve, your timescale and any part of the case that needs explaining. I review the evidence and suitable lender routes, then explain the available options and their costs. A recommendation follows the individual assessment; an initial conversation does not commit you to an application.
Where legal, tax or other specialist advice is needed, we identify it early so the finance fits the wider transaction. Tell me about any change in employment, borrowing, deposit or property details before proceeding.
What to prepare
- Income sources and ownership structure
- Asset and liability overview
- Deposit and liquidity plan
- Property and borrowing objectives
You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.
Wealth does not remove underwriting requirements. Asset-backed structures can carry risks and costs different from an ordinary residential mortgage.
Your questions, answered
How do you explain income that is not a regular salary?
The starting point is a clear account of where the money comes from, how often it is received and whether it is expected to continue. Depending on the circumstances, that may involve accounts, contracts, tax records or a history of variable pay. The evidence must support the figures used.
Can we look at the case before choosing a lender?
Yes. We first identify the income, credit or ownership issue that needs explaining, then assess suitable routes. Tell me about earlier applications and the reasons given for a decline, if known. Repeated applications without understanding the issue can leave the important question unresolved.
What makes a useful initial summary?
Outline the property, borrowing required, deposit source and timing. Add a short explanation of the part that is unusual: for example, company profits, a short contract history or a recent change in circumstances. Detailed records can follow through an agreed secure route.
Larger loans & individual properties£1m+ borrowing, substantial homes & landOpen the group to explore the loan, property and project pages relevant to your plans.7 routes +
- £1m+ mortgagesLarger purchases, refinancing and the evidence behind the borrowing.↗
- Large homes & country estatesSubstantial houses, outbuildings, annexes and the wider estate.↗
- Complex property typesListed homes, unusual construction, conversions and multiple titles.↗
- Land, acreage & sitesSeparate land purchases, planning, access and the proposed exit.↗
- Mixed-use propertyA property combining residential, business or rental uses.↗
- Development financeLand acquisition, construction, funding stages and project exit.↗
- UHNW mortgagesSubstantial wealth, ownership structures and international circumstances.↗
Further reading: MoneyHelper: mortgages and homebuying. Content reviewed 9 September 2026. General information; availability depends on the individual case.