
Large Loans

Four simple ways to Maximise your Investment
Securing a substantial mortgage requires expertise, strong industry connections, and tailored advice. At Altura, we specialise in navigating the unique challenges of large loans to help you achieve your property goals with confidence.
Tailored
Advice

We provide a free, no-obligation consultation to understand your financial profile and goals. This ensures we can craft bespoke solutions for your large loan needs.
Access to Specialist Lenders

Our strong relationships with private banks, high-net-worth lenders, and mainstream institutions give you access to exclusive deals tailored to substantial loans.
Bespoke Lending Solutions

We’ll work with you to design a loan structure that aligns with your circumstances, whether you need higher loan-to-value options, interest-only features, or financing for complex ownership structures.
End-to-End Support

From application to completion, our dedicated team will liaise with underwriters, lenders, and other key parties to ensure a smooth process, even for the most complex cases.

Learn more about our Client Experience



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Meet Richard and Clara
Richard and Clara are business owners in the tech industry, living in London. They wanted to secure a £2.5 million mortgage to purchase a luxury home but faced challenges due to their complex income structure and need for a higher loan-to-value ratio.
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Why did Richard and Clara come to us?
They sought our expertise to find a lender that could accommodate their unique financial profile, which included a mix of retained business profits, dividends, and bonuses. They also required a competitive interest rate and a seamless process due to tight purchase deadlines.
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What did we do to help?
We leveraged our extensive network to connect them with a private bank that offered a tailored lending solution. The bank accommodated their income structure and provided a competitive fixed-rate loan with a higher loan-to-value ratio than mainstream lenders could offer.
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The outcome
Richard and Clara successfully secured their £2.5 million mortgage with favourable terms. They moved into their new home on schedule, confident in the bespoke solution we provided, and are now planning their next investment.

Download our
Large Loan Guide
If you’re exploring the possibility of borrowing £500,000 or more, securing the right mortgage can be far more complex than it first appears. Large loans often fall outside the criteria of typical lenders, especially if your income is structured through bonuses, dividends, foreign currency, or other non-standard sources. As a result, many high street banks may struggle to accommodate your circumstances, even when your finances are strong.
Our Large Loan Guide is designed to help you navigate this landscape with clarity and confidence. It outlines what counts as a large mortgage, how specialist lenders assess applications, and the factors that can influence your borrowing power. Whether you’re buying, remortgaging, or investing, this guide explains the key steps, common challenges, and how to access tailored lending solutions through brokers who specialise in high-value finance.

Explore our Industry Insights
Mortgage approvals rose to over 64,000 in June, signalling renewed buyer confidence. Here's what’s driving the recovery—and how you can take advantage.
New FCA rules introduced in July 2025 are making it easier for homeowners to remortgage. Here’s what’s changed and how to take advantage of the improved flexibility.
Earning bonuses or commission? Many lenders will consider them as part of your income, if you know how to present the right paperwork. Here’s how to maximise your mortgage options.
Just started a new job? You may still be eligible for a mortgage. Learn how lenders assess new employment and what you need to apply successfully.
Mortgage options for contractors are improving, but the market remains uneven. Here’s how professionals on non-traditional incomes can secure the right deal.
Lenders have tightened affordability checks in 2025. Learn what they’re looking for and how to boost your chances of getting approved for a mortgage.
The government’s 95% mortgage guarantee scheme ended on 30 June. Here’s what first-time buyers need to know about what’s changed and what options are still available.
The UK's millionaire exodus is reshaping the property and mortgage market, creating both challenges and opportunities for investors and financial professionals.
Helping your child buy a home is a generous move, but it must be done carefully. Here are the safest ways to provide support without putting your own finances at risk.
From Barking to Walthamstow, some London boroughs offer better value and opportunity for first-time buyers. Here’s where to start your search.
Green mortgages offer better rates and incentives for energy-efficient homes. Find out how they work, who can qualify, and whether they could benefit your next move.
Interest-only mortgages can ease short-term costs, but repayment mortgages offer more long-term security. Here’s how to choose the right option for your circumstances.
Recent U.S. tariffs have significant implications for the UK mortgage and property markets, influencing interest rates, housing demand, and investment trends.
The UK Spring Statement 2025 introduces key fiscal policies affecting mortgages and the property market, including changes to interest rates, stamp duty, and housing supply initiatives.
With 95% mortgages at a five-year high, first-time buyers have more opportunities to enter the property market. Here’s how parents and grandparents can support their loved ones in securing a home.
Selling your home is a significant financial decision, and making the wrong move can cost you thousands. Here are five costly mistakes to avoid when putting your property on the market.
Worried about upcoming EPC regulations? Learn how to navigate these changes for landlords and discover why improving your property’s energy efficiency could be effective for your investment.
Learn how property taxes could affect your ability to buy a home, influence your buy-to-let investment decisions, and how they might change the future of the housing market.
The UK housing market showed signs of growth in 2024. However, the landscape may be set to evolve with an upcoming Stamp Duty change…
Learn about four key factors to consider when thinking about overpaying on your mortgage, from reduced interest and shorter terms to alternate options for your money…
While some people might enjoy spending this time at home relaxing and preparing for Christmas, others dream of visiting exciting new areas of the world…
In November, the Bank of England (BoE) reduced the base rate for the second time in three months. However, you may be surprised to learn that, while the base rate is falling, the cost of mortgages has actually risen in recent weeks…
This autumn, Halifax reported that UK house prices had hit a record high – surpassing the post-Covid “race for space” of mid-2022. The average property price has reached a record high…
As property prices in the UK continue to hit record highs, it’s perhaps no surprise that more and more first-time buyers are seeking help from relatives. Indeed, the most recent research from…
On 30 October 2024, Rachel Reeves delivered Labour’s first Budget in 14 years. Reeves announced several measures that will likely affect the UK mortgage and property market…
If you’re selling a property, deciding the price is likely to be one of the trickiest decisions you will make. If you market your home at too high a price, you might not generate any interest or sell it...
Vendors have returned from their summer break motivated to sell, while many buyers want to wrap up their purchase and be in their new home in time for the festive celebrations...
If you own a second property or a buy-to-let, or you’re a portfolio landlord, reforms to Capital Gains Tax could significantly increase your tax liability. Read on to find out more...
According to the BBC, the “slightly bizarre” choice of London streets was based on a flying visit to the capital by one of the firm’s employees back in the mid-1930s. But what would the Monopoly board – and the game – look like if it were invented today?
In recent years you won’t have failed to notice a sharp increase in the cost of many goods and services. Whether it’s eating out, your energy bill or your weekly shop, prices have risen significantly...

We are here to answer any questions you may have

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A large loan typically refers to a mortgage of £500,000 or more, though this threshold can vary by lender.
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Yes, we specialise in working with clients who have complex income structures, including bonuses, dividends, foreign income, or retained business profits.
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We work with a wide range of lenders, including mainstream banks, private banks, and specialist lenders, to find the right fit for your needs.
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Absolutely. We have access to lenders who offer higher loan-to-value options for substantial loans, depending on your circumstances.
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The timeline can vary depending on the complexity of your case, but our team ensures the process is as smooth and efficient as possible.

Get in Touch
Ready to explore your large loan options? Our experienced team is here to provide tailored advice and guide you through the process. Contact us today for a free consultation, and let’s secure the right solution for your needs together.