High Value Mortgages

Specialist Mortgage Solutions for High Net-Worth Individuals

When you’re looking to borrow over £500,000 (or £1 million+), standard mortgage products often don’t meet your needs. At Bowen Mortgages, we specialise in high value mortgages tailored to professionals, business owners, and high net-worth individuals.

What Is a High Value Mortgage?

A high value mortgage, also known as a large loan mortgage, is typically a loan amount above the standard lending thresholds set by most banks, often starting from £500,000. These loans require bespoke underwriting, flexible terms, and a more personalised approach to affordability and risk.

Why Choose Us for High Value Mortgages?

✅ Access to Private Banks & Specialist Lenders
We have direct relationships with private banks and specialist lenders not found on the high street, often enabling more competitive rates and flexible terms.

✅ Tailored Lending Solutions
Your income may come from bonuses, dividends, or complex assets. We understand these structures and work with lenders who do too.

✅ Discreet, Professional Service
Our dedicated high-value team offers a confidential, white-glove service with fast turnarounds and expert guidance from start to finish.

✅ Flexible Criteria
We help clients who:

  • Have foreign income

  • Are self-employed or company directors

  • Hold complex portfolios or multiple income sources

  • Require interest-only or part-and-part structures

How We Work

  1. Initial Consultation
    We’ll discuss your goals, income profile, and property plans.

  2. Lender Match
    We identify the most suitable lenders and structure the deal to your advantage.

  3. Application & Approval
    We manage all paperwork and lender negotiations for a seamless approval process.

  4. Completion & Beyond
    We support you through completion and review your mortgage regularly to keep it cost-effective.

Recent High Value Mortgage Case Studies

£1.1M Mortgage | North West Property | Private Bank
Client with fluctuating bonus income secured a competitive interest-only deal via a private bank.

£1.5M Portfolio Mortgage | Self-Employed Consultant | Buy-to-Let Portfolio
Complex income structure accommodated using tailored underwriting from a specialist lender.

Speak to Our High Value Mortgage Experts

Whether you’re purchasing a luxury property, refinancing, or releasing equity, we’re here to make your finance work harder for you.

📞 Call us on 0151 203 4409
📧 Email: enquiries@bowenmortgages.co.uk
📍 Or request a call back Contact us page

Bowen Mortgages – High Value Mortgage Specialists Trusted by Professionals Across the UK

Scroll to Top