Start with the full property
Flag acreage, outbuildings, mixed use, multiple titles or lease issues early.
Jack Cousins · Mortgages of £1m+
A bigger mortgage deserves a closer look.
Discuss borrowing above £1m with a clear view of your income, deposit, property and plans. Large homes, land and complex security need careful preparation.
07456 935677 · jack@lockhartmurphy.com
Mortgage and protection advice is provided through Mortgage Force (UK) Ltd. Scope, eligibility and any fees are discussed before proceeding.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured upon it.
A useful starting pointPut the right details
Put the right details
on the table.
Begin with an outline. Jack will explain what needs a closer look and which documents would be useful next.
Explain the repayment plan
Discuss reliable income, the intended term and any proposed repayment strategy.
Prepare before committing
A larger price or deposit does not remove the need for lender and valuation checks.
Your next stepTell me where
Tell me where
you’re starting.
A short outline is enough for the first conversation. Please leave out passports, account numbers and sensitive documents.
Useful things to have in mind
- Requested loan and purchase price
- Detailed income evidence
- Asset and liability schedule
- Source of deposit and cash reserves
Jack Cousins
Head of Mortgages
Lockhart Murphy
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Can a home with substantial land be considered?
It depends on the property, use of the land, title and lender criteria. Share the full particulars so the case can be assessed accurately.
There is no promise of a mortgage, rate or timescale. Each case depends on the lender’s assessment and the complete circumstances.
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