High Value Mortgages

We’re here to help on high value mortgages. Our expert knowledge is here to get you suitable credit terms efficiently and exactly when you need them

We’re rated Excellent on Google – We’ve got you covered

Author: Will Walton - Mortgage Advisor, Founder

Updated: February 23, 2023

Here’s everything you need to know about high value mortgages. If  there’s something specific you’d like to ask you can get in touch by getting started or submitting a question to an expert mortgage advisor.

Understand your budget with a Decision in Principle

A decision in principle is also called an “agreement” or “mortgage” in principle. They all refer to the same thing which is an initial yes from a mortgage lender. This is here to give you an idea of what you can expect to borrow so you can understand your budget for buying your  home. This is the best place to start as a first-time buyer.

A decision in principle will also allow you to see what mortgage rates you are eligible for. This helps you can understand your potential mortgage monthly repayments. This will help you understand your finances for any home you buy.
Many estate agents will ask to see a decision in principle if you would like to place an offer on a property. This acts as a way of showing the agent you can likely afford to purchase the property and that you are a serious buyer. Remember, you can use any mortgage advisor you like, even if they suggest otherwise.


Need a bespoke high value mortgage ?

We’re here to help connect you with lenders who can help offer more flexible mortgage options 

I need a mortgage over £1 million, can you help?

Yes- there are many highstreet lenders who have limits on the size of mortgage they can offer. We can help with specialist knowledge in this area with high value mortgages. Some lenders can also help with flexible underwriting and bespoke mortgage terms.

Can I get a mortgage with multiple income streams?

 We understand that you may have varied forms of income if you are looking for a mortgage of £1 million and above. Our expert knowledge is here to help represent your circumstances. We’ll match these with a lender that can help with your high high-valuevalue mortgage.

How much deposit will I need?

This will depend on several things  such as:

  • Your credit history
  • Your income 
  • The property you are looking at buying 

We’re here to help you understand exactly how much deposit you can expect to need. This can help you budget with clarity.

Minimal Advice Fees

We believe in minimal advice fees to help you save on your mortgage. There may be a fee for arranging a mortgage however, the precise amount will depend upon your circumstances and this will not exceed £195. The fee may be waived subject to the terms of the fee waiver agreement and will be confirmed within the initial meeting.

Rated Excellent by our clients

Will has been an amazing.

 He has been there throughout my home buying processing going out of his way to help. He found me a great mortgage deal which met my requirements and he was there to answer all my mortgage and home buying questions. He is very professional, great communication , honest and knowledgeable.He has made my house buying journey seamless and I couldn’t be more grateful.

Margaret – Google Review

An awesome service from beginning to end.

Will is just amazing. He helped me through the process of re-mortgaging under complex circumstances every step of the way. He responded swiftly to every enquiry and gave me the confidence that everything was under control. I would recommend his services to anyone as he really knows what he is doing and got me the best deal possible. Thanks Will

Jennifer – Google Review

Continuously goes above and beyond to give the best service

I have spoken to many mortgage advisors and Will by far is the most thorough, detailed, approachable and available individual that I have had the privilege of working with. He is very transparent, helpful and continuously goes above and beyond to give the best service to his customers. Thank you Will for looking after me. It has been great working with you.

Hamid – Google Review

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