Large Loans
Flexible lending solutions for clients with complex income and high borrowing needs.
Our Bespoke Residential product range is designed to support clients seeking large loans - typically over £1 million, who may not meet standard lending criteria due to the size of the loan or the complexity of their income. Whether they’re high-earning professionals, entrepreneurs, or individuals with significant bonus income, our flexible underwriting approach helps unlock mortgage opportunities for clients with strong profiles.
Criteria at a glance:
| Criteria | Standard | Bespoke |
|---|---|---|
| Max Loan Size | Up to £1.5 million | Up to £2.5 million |
| Max LTV |
|
|
| Income types | Primarily basic salary and standard self employed income | Includes bonuses, profit share, anticipated income, and short trading history |
| Self employed criteria | Trading for a minimum of 3 years, last two years figures used | Can consider <3 years with strong evidence |
| Bonus income | Limited use | Can use up to 100% with track record |
| Interest Only | Not available | Available (subject to criteria) |
| Underwriting approach | Policy driven | Case by case, flexible |
Why choose our Bespoke range for Large Loans?
Our Bespoke underwriting team take a common-sense approach to complex income, allowing us to:
- Consider loans up to £2.5 million at 75% LTV on Bespoke Residential
- Accept Interest Only or Part & Part structures (subject to criteria)
- Use bonus income, even where variable, if supported by a strong track record
- Assess recently self employed applicants with limited trading history
- Support high LTV lending for strong profiles (90% LTV up to £1 million).
Case studies:
See how we’ve supported clients with large loan requirements to secure the mortgage they needed – thanks to the flexibility of our Bespoke range.
- Applicant one was an Analyst at a major financial firm with a basic salary of £110,000 and an annual bonus of around £110,000. Applicant two was a Marketing Manager on a spousal visa.
- The loan was affordable using applicant one’s basic salary and 50% of their most recent bonus over a 39-year term. We were happy to lend the full amount requested.
- This was a like-for-like remortgage on an interest-only basis. The applicant earned a basic salary of £240,000 and received a bonus of £536,000.
- Due to a financially dependent spouse and three children, we used 75% of the bonus to meet affordability. A strong bonus history supported our decision to lend.
- The applicant held a senior role at a large bank with a high salary and variable bonuses.
- We included the average of 100% of their bonuses over the past two years in our income assessment, supported by a consistent bonus track record.
- One applicant had recently become self employed in the same industry they previously worked in. Although they had less than two years of trading history, they provided one year’s finalised accounts and we used the net profit after tax (NPAT) and salary confirmed to lend the required amount.
Next steps?
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