Large Loan Mortgages

Specialist lending for high-value properties and mortgage requirements above £500,000. Access to private banks and bespoke terms.

FCA Regulated

Extensive Lender Panel

Based in Uxbridge

UK Wide Coverage

24hr Response

5★ Reviews

Private Banking, Made Accessible

For mortgage requirements above £500,000, standard high street products often don't offer the best terms. Private banks and specialist lenders provide bespoke rates, higher income multiples and more flexible underwriting for high-value borrowing. At Chess Mortgages, we have established relationships with private banking teams and can present your case directly to achieve the best possible outcome.

What We Can Arrange

Mortgages from £500,000 to £25,000,000+

Private bank access with bespoke rates and terms

Higher income multiples, up to 5.5x or higher for professionals

Complex income structures: bonuses, share options, carried interest, foreign currency

Interest-only options for high-net-worth borrowers

Non-standard properties: listed buildings, estates, equestrian properties

Overseas income and multi-currency income accepted

Portfolio and property empire financing

Get Expert Advice

Free, no-obligation consultation. We'll be in touch within 24 hours.

How It Works

Initial Consultation

We discuss your situation, income, goals and any concerns, at our expense and without obligation.

Market Search

We search our extensive lender panel including specialist lenders to find the best deal.

Application

We prepare and submit your application, managing all lender communications.

Completion

We coordinate with solicitors and the lender through to completion day.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Chess Mortgages is a trading style of Chess Property Services (London) Limited (Company No. 6575229), authorised and regulated by the Financial Conduct Authority (FCA No. 748976).

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Frequently Asked Questions

What counts as a large loan mortgage?

Generally, any mortgage above £500,000 is considered a large loan. Many private banks and specialist lenders have dedicated teams and products for borrowing at this level, often with better terms than standard products.

Can I get a higher income multiple?

Yes. Private banks and specialist lenders often offer income multiples of 5x, 5.5x or even higher for professionals and high earners, compared to the standard 4–4.5x offered by high street lenders.

Can you help with complex income?

Absolutely. We regularly work with clients whose income includes bonuses, share options, carried interest, foreign currency earnings, rental income and other complex structures. We know which lenders assess each type of income most favourably.

Ready to Get Started?

Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.

Book a Consultation 0208 756 1 756