How to qualify for larger mortgage loans

When it comes to securing financing for high-value properties, understanding the intricacies of large mortgage loans is crucial. At Greenacre Financial Services, our dedicated team specialises in navigating the complex landscape of large loans, ensuring that our clients receive bespoke lending solutions tailored to their unique needs.

Whether you’re purchasing a luxury residence or investing in substantial real estate, here’s how we can assist you with securing the best mortgage rates and terms for large loans.

What is a Large Mortgage Loan?

Large mortgage loans are often used for purchasing high-value properties or for clients requiring larger mortgages than what is generally available through conventional sources. A large mortgage loan typically refers to financing that exceeds the standard borrowing limits set by many lenders, including high street banks.

Typically, most high street lenders will offer you a mortgage that is up to 4 times your income. However, it’s possible to find lenders who may provide loans up to 5 times your income, and in some cases, even up to 6 times.

Find out more in our blog: Can I borrow 5 time my salary for a mortgage.

We understand that one size does not fit all, especially in the realm of high loan amounts. Our tailored services ensure that each client’s financial needs and situations are meticulously considered for large mortgage loans.

What is the biggest mortgage I can get?

The upper limit of what you can borrow largely depends on several key factors including your income, credit score, existing debts, the specialist lender’s criteria and the value of the property you wish to purchase. Here’s a general outline of how these factors can influence the maximum mortgage you might be eligible for:

  1. Income and Affordability: Lenders primarily look at your income to determine how much you can borrow. They use a debt-to-income ratio (DTI) to assess how much of your gross monthly income is spent on existing debts, including your prospective mortgage. Generally, a DTI ratio of 35% to 45% is considered favourable, but this can vary widely among lenders.
  2. Credit Score: A higher credit score can help you qualify for a larger loan because it reassures lenders of your ability to repay. It might also help you secure a better interest rate, which in turn could increase the amount you are eligible to borrow since lower rates mean lower monthly payments.
  3. Down Payment: The amount of money you can put down upfront as a deposit also influences the maximum loan size. A larger down payment decreases the loan-to-value ratio (LTV), reducing the lender’s risk and potentially increasing the loan amount.
  4. Property Value: The value of the property you intend to purchase also plays a crucial role. Lenders will only finance a property up to its appraised value. If you are looking at high value properties, you’re more likely to be eligible for a larger loan, provided other factors such as income and credit score are favourable.
  5. Lender’s Loan Maximums: Each lender has its own limit on the maximum mortgage amount they will offer, influenced by their risk appetite and regulatory guidelines. Some private banks or specialist lenders may offer larger loans than typical high street banks, especially if they cater to high-net-worth individuals.
  6. Regulatory Guidelines: In some regions, there are regulatory limits on how much a bank can lend to an individual, relative to both the value of the property and the borrower’s income.

To find out the maximum mortgage you could potentially secure, it’s advisable to speak with a mortgage broker or advisor who can assess your specific financial situation and help you navigate the application process with various lenders. This way, you can identify the lender who can offer you the highest possible mortgage based on your qualifications and needs.

Why Choose Greenacre?

At Greenacre Financial Services, we have access to many lenders, including private bank mortgages and bespoke financial institutions, allowing us to secure large loans that might not be feasible through traditional mortgage lenders.

Our approach ensures that each client’s mortgage solutions are optimised for their specific circumstances, considering factors like mortgage rates, service charges, and the terms of repayment. Our brokers excel in negotiating the best terms with mortgage lenders, often securing rates that are favourable even for large mortgage loans.

At Greenacre Financial Services, our large loan teams are experienced in crafting solutions that meet the scale and specifics of these substantial financial requirements.

Qualifying for Larger Mortgage Loans

Qualifying for a larger mortgage requires a detailed understanding of the lending landscape and a strategic approach to your mortgage application. Here are key factors that Greenacre Financial Services considers when helping clients secure larger mortgages:

  • Income and Affordability: Demonstrating sufficient income and financial stability is paramount. We work with our clients to provide comprehensive proof of income and a clear picture of their financial health, which reassures lenders of their ability to manage high repayments.
  • Credit History: A strong credit score is crucial for securing favourable mortgage rates and terms, especially for larger loans. Our mortgage brokers assist clients in assessing and improving their credit scores prior to application.
  • Deposit and Equity: Higher deposits are typically required for large loans. We guide our clients through the process of consolidating their resources to meet deposit requirements, which can often influence the interest rate offered by lenders.
  • Professional Advice: Our expert mortgage brokers provide tailored mortgage advice to navigate the complexities of large mortgage applications. This includes choosing the right lender from our network of private banks, high street lenders, and specialist lenders, all known for their ability to handle high-value and bespoke mortgage needs.

Looking to secure a property quickly, complete renovations, or address cash flow gaps in your business? A bridging loan can offer the financial flexibility you need.

Call Greenacre Today

Leveraging strong relationships with a variety of lenders, from private banks to high street lenders and beyond, we ensure our clients receive the best mortgage rates available. From initial consultation through to finalising your mortgage, our team offers continuous support and advice, ensuring a smooth and successful mortgage application process.

Whether you’re exploring the possibilities of a big mortgage for a luxury home or a need structured financing for a large-scale investment, Greenacre Financial Services stands ready to provide expert guidance and efficient service. Contact us today to discuss how we can meet your large mortgage needs with the precision and care you deserve.

For more information about any of our services, including large mortgage loans, please do not hesitate to get in touch by calling us on 0203 3939 222 or email

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Hannah D
Hannah D
07:42 09 Sep 19
I would fully recommend Greg and Greenacre Financial Services. As a first time buyer I was daunted by the process of... finding the right mortgage for me however Greg made the process really simple, clear and quick. He was always available to answer any questions and happy to explain everything. I wouldn’t hesitate in recommending Greenacre FS to my friends and more
Jessica Cohen
Jessica Cohen
19:33 26 Aug 19
We first met with Greg in May for advice as we had adverse credit and irregular pay and didn't think a mortgage was in... our reach. Less than two weeks later Greg had fully arranged a great deal for us on our first mortgage. He was available whenever we needed him, 7 days a week and in the evenings. We cannot thank Greg enough for helping us buy our first home!read more
Seren Fletcher
Seren Fletcher
08:56 24 Aug 19
Would highly recommend Greg and Greenacre Financial Services. Was extremely professional and helpful. Our mortgage... wasn’t straight forward due to my husband being self employed but Greg was very knowledgable and managed to find us a really good mortgage. Looking forward to working with him again in the futureread more
13:24 23 Aug 19
Graham at Greenacre was excellent in helping me get a mortgage for my house purchase. He was always available when... needed, provided an efficient service and was very knowledgeable. Highly recommended!read more
Ian Hatter
Ian Hatter
11:07 16 Aug 19
What can I say, Greg has been absolutely amazing in sorting out a mortgage for me I never thought was possible. It has... meant I have been able to buy a house, a few months ago, I would never have dreamed of being able to buy after talking to high street lenders. He worked exceptionally hard and always kept me updated with every step of the process. Buying a house is extremely stressful, but Greg took all that stress away from me. I cannot recommend Greg enough to anyone looking to buy a property. Thank you so much for your help Greg, it's greatly more
Sean Kelly
Sean Kelly
15:27 30 Jul 19
10/10 EXCEPTIONAL service and result. Highly recommend. Greg and the Greenacre Financial Services team were fast,... knowledgeable, and honest. All the qualities you want and need. Very pleased I was recommended to Greenacre. Customer for life!read more
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