Large & High-Value Mortgages
At this level, lending is negotiated, not applied for.
Big numbers break small processes
Above the high street’s comfort zone, automated underwriting gives way to judgement: how your wealth is structured, how your income arrives, what the property really is. Standard processes handle none of that well.
High-value lending is a relationship market, private banks and specialist lenders who price each case individually, and who deal with brokers they know.
How ERG helps
- Private bank access:
- We hold active relationships with private banks and specialist institutions that aren’t accessible to the public. The natural home for substantial or unusual lending.
- Structured around real wealth:
- Retained profits, investments, bonuses, international income. We present the full balance sheet so the lend reflects your position, not just a payslip.
- Discretion as standard:
- A small senior team, complete confidentiality, and communication on your terms.
Who we help
Typical high-value cases:
- Purchases and refinances above £1m
- Buyers with asset-backed rather than salaried wealth
- Partners, founders and senior executives with bonus-led income
- International and expat buyers of UK prime property
- Unusual or listed properties that defeat standard criteria
How we have helped clients like you
A 75% loan on a £1.65m country home with holiday-let income. A £2.4m Cheshire purchase structured by asset slicing. A prime multi-unit block in Manchester refinanced. Our case studies show the thinking behind large and structured loans, not just the headline figures.
Frequently Asked Questions
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No fixed ceiling, large loans are priced and structured case by case with private banks and specialist lenders. The constraint is the strength and presentation of the case, which is our job.
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Some private banks like a wider relationship; others lend standalone. We know which is which, and we’ll be straight with you about any strings before you commit.
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Yes, with the right audience. Lenders differ enormously in how much bonus, commission or vested equity they’ll count; we place your case where your real earnings are recognised.
Speak to an advisor
Book a consultation
Check out our availability and book the date and time that works for you.
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Time zone: United Kingdom (Europe/London)
Your consultation
A 30-minute telephone call with one of our advisers. Tell us a little about your situation and we’ll match you with the right person.
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