High value mortgages are usually where borrowing exceeds £1m. They're available for UK and international clients. The higher the value, the more bespoke the structure of the finance.

Many mainstream lenders have a maximum borrowing value of around £5m, with some even lending up to £10m. However, specialist lenders and private banks also specialise in providing mortgages to high-net-worth individuals and tend to offer a more flexible approach to lending.

1Please contact your referral partner for more information on commission rates.



  • You’re not an expert in high-value mortgages.
  • A lender is not available to you directly.
  • The permissions you’ve been given through your network mean you can’t advise your client directly.
  • Your professional indemnity policy doesn’t cover high-value mortgages.
  • Referring your client will better help you meet consumer duty regulations.

Why refer with us

Referral Pro simplifies the referrals process, making it easy for you uncover new referral opportunities, expand your offering and help more clients achieve their financial goals. 

Each of our partners is a known industry expert, checked by us before inclusion in this service. Each operates under a contractual ‘no cross / repeat sale’ policy, protecting your business and income streams. And some are rated 'Advisers Choice' by advisers like you to reflect good experiences.