How to Get a £5 Million+ Mortgage in 2025: What Wealthy Buyers Need to Know
Buying a £5M+ Property? Here’s How Wealthy Clients Are Structuring Large Mortgages in 2025 Using Assets, Trusts & Private Banks
Why £5M+ Mortgages Require a Different Approach in 2025
If you’re looking to buy or refinance a property worth £5 million or more in 2025, you’ll quickly find that standard lending rules don’t apply.
Whether you’re a business owner, investor, international buyer, or trust beneficiary, high-street banks are rarely equipped to deal with the complexity of your income, assets, or structure.
That’s why high-value property finance increasingly relies on private banks, bespoke structuring, and asset-based lending.
🔗 For more context on lender attitudes, see our blog on HowPrivateBanks Are Underwriting Mortgages in 2025 Using Investment Portfolios.
What Lenders Are Really Looking for on Large Loans
At this level, it’s not about payslips — it’s about the bigger picture. Private banks and high-net-worth lenders focus on:
- Net asset position and liquidity
- Investment portfolios and AUM potential
- Global income sources and offshore structures
- Existing banking relationships
- Purpose of the property (home, investment, legacy, corporate use)
They may even reduce interest rates if you agree to move assets under management or consolidate banking.
🔗 You can also learn more about this approach in our guide to HighNetWorth Mortgages in 2025.
Common Structures for Large Mortgage Borrowers
Willow frequently helps clients structure large loans (£5M–£50M+) using:
- SPV or company-owned structures
- Interest-only mortgages with rollover or repayment from liquidity events
- Portfolios pledged as collateral (Lombard lending or AUM-secured)
- Trust and family office involvement, including offshore vehicles
- Multiple borrowers across generations or business partners
🔗 You may find our breakdown of
Trusts and Property Finance in 2025 helpful here.
🔗 Or, if you’re using a corporate structure, see our blog on
SPVs vs. Trading Companies: What Landlords Must Know in 2025.
Key Challenges at the £5M+ Level
While lenders are more flexible at this level, large loans can be delayed or derailed by:
- Complex or undocumented income
- Inadequate trust or SPV paperwork
- Property types with limited comparables
- International buyer status without clear UK footprint
- Lack of pre-alignment between legal and lending strategy
In most cases, the right structure, documents, and adviser team resolve these early.
🔗 We discuss these hurdles in more depth in Private ClientFinancein 2025: Tailored Lending for Complex Profiles.
How Willow Private Finance Can Help
We’ve arranged high-value loans for UK and international clients on prime central London homes, country estates, investment properties, and legacy purchases.
Our team specialises in:
- Private bank introductions and negotiations
- Large loan structuring across multiple entities or income sources
- Coordination with tax, legal, and family office teams
- Aligning liquidity, tax, and legacy goals with finance options
- Access to lenders not available on the open market
We don’t just process paperwork — we build the case behind your borrowing power.
🔗 For a practical example, read our case guide on
How Successful Business Owners Are Financing Prime Property in 2025.
Frequently Asked Questions
What do “£5M+ mortgages” require that regular mortgages don’t?
They require bespoke structuring, private bank relationships, deep documentation of assets and liquidity, and in many cases the use of SPVs, trusts or portfolio pledges. Standard lenders typically can’t manage the complexity.
willowprivatefinance.co.uk
What are lenders focusing on for very large loans?
The focus shifts from payslips to overall net worth, liquidity, investment portfolios, global income, legacy goals, and the prospective value and use of the property.
willowprivatefinance.co.uk
Which structures do wealthy buyers use to enable £5M+ mortgages?
Common structures include:
- Property held via SPVs or companies willowprivatefinance.co.uk
- Interest-only mortgages tied to future liquidity or sale events willowprivatefinance.co.uk
- Use of investment portfolios or AUM (assets under management) as security willowprivatefinance.co.uk
- Incorporation of trusts or family office structures willowprivatefinance.co.uk
What are the key risk factors or challenges at this level?
- Complexity or inconsistency in income or asset documentation willowprivatefinance.co.uk
- Use of ownership vehicles (SPVs/trusts) that lack lender clarity or documentation willowprivatefinance.co.uk
- Property types with few comparables complicating valuation willowprivatefinance.co.uk
- International or non-UK buyer status without enough UK presence willowprivatefinance.co.uk
- Lack of coordination between legal, tax, and lending structure willowprivatefinance.co.uk
What steps should a prospective borrower take to prepare?
- Present a full, audited statement of your net assets, liquidity and holdings. willowprivatefinance.co.uk
- Ensure legal and ownership structures (SPVs, trusts) are well documented and lender-friendly. willowprivatefinance.co.uk
- Align your property goals, liquidity events, and financing strategy up front. willowprivatefinance.co.uk
- Work with a broker familiar with ultra-prime deals and private bank networks. willowprivatefinance.co.uk
📞 Want Help Navigating Today’s Market?
Book a free strategy call with one of our mortgage specialists.
We’ll help you secure the finance your property and wealth deserve.
About the Author: Wesley Ranger
This article was written by Wesley Ranger, Director at Willow Private Finance. Wesley leads our team of specialist brokers, supporting clients in the UK and internationally. Over his career, he has arranged complex and high-value property finance transactions ranging from bespoke residential mortgages in the hundreds of thousands to structured facilities exceeding £100 million for major developments.
Operating within an FCA-regulated, whole-of-market brokerage, Wesley works closely with clients to design tailored strategies that align with their broader financial goals. His experience spans private banks, specialist lenders, and international financing structures, giving clients a competitive advantage in even the most challenging lending environments.
Important Notice:
Willow Private Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 588422). The information contained in this article is provided for general guidance and information purposes only and does not constitute personal financial advice. Property finance products are subject to status, affordability, and lender criteria, and may not be suitable for all borrowers. Rates, terms, and product availability can change without notice. You should seek regulated, tailored advice before making any financial decisions. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured against it.
