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.

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.

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

We also help reduce friction by coordinating with your legal, tax, and banking advisers.

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.

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.

📞 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.