Larger loan solutions

We specialise in providing tailored mortgages for your clients, including those with more complex circumstances.
To find out more about our large loans for remortgages between £500k and £5m, please talk to your nearest Specialist Lending Manager.

We have a range of larger loan products to help provide a solution for your remortgage clients borrowing up to £5m. The fixed and discounted variable rate deals are available up to 75% LTV and have a product fee of £995. Application fees start from £95.

We also have our popular remortgage solutions available for loans from £200k, you can find the details on our remortgage page.

Overview

Below are the products available and LTV tiers that apply:

2 Year Fixed Rate – 2.49%
5 Year Fixed Rate – 3.19%
3 Year Discounted Variable Rate – 2.24%

£500k to £2.75m = Maximum 75% LTV
Up to £3.5m = Maximum 70% LTV
Up to £4.25m = Maximum 65% LTV
Up to £5m = Maximum 60% LTV

If your case falls outside of our standard products and criteria, please get in touch. We’ll work with you and do everything we can to create a product tailored to your clients’ needs.

Key features

The following applies to our larger loan for remortgage range:

  • Available on interest only loans, subject to criteria
  • Affordability-based (no income multiple restriction). Our flexible approach means we are able to consider non-standard income sources.
  • Early Repayment Charges (ERCs) during the deal period

To find out more about our range or to discuss a case, please contact your nearest Specialist Lending Manager.

We manually underwrite applications assessed on a case-by-case basis, you’ll have a dedicated Specialist Lending Manager and underwriter who will be available to help and keep you updated as your case progresses. We also use AVMs wherever possible.

Criteria

Applicant criteria
Minimum age 18
Maximum age 85 for residential. No age restrictions for let applicants
Maximum number of applicants Four
Residential status Please see our current list of countries that we can consider
Non-UK nationals Non-UK nationals considered
Credit impairment We are unable to accept credit impaired applicants

 

Loan criteria
Amount £500k – £5m
Maximum LTV 75%

 

Security criteria
Location In England or Wales
Property type We are happy to consider unusual properties, including:

  • Listed buildings
  • Large acreage
  • Properties with an annexe
  • Multi-units

Get in touch

To find out more or discuss a case talk to your nearest Specialist Lending Manager.

Ready to talk?

Experience our first-class, personal service with a dedicated Specialist Lending Manager and named underwriter for your cases.