Large Mortgage Loans for High Value Properties

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Why Choose Us

0 %
5-star reviews on Google
0
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market
£ 0
total donated to various charities

Why Choose Us

0 %
5-star reviews on Google
£ 0
total donated to various charities
0
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market

Navigating the path to securing large mortgage loans for high-value properties in the UK can be a complex journey, laden with numerous considerations and potential hurdles. At Ascot Mortgages, we are here to guide you through this intricate process, ensuring you secure the best deals and terms that align with your financial objectives. Whether you are eyeing an upscale residential property or a lucrative buy-to-let investment, our tailored services in large loans UK are designed to meet your unique needs.

What Our Clients Say About Us

5.0 Based on 122 reviews from review us onLucy B. ★★★★★ Having Phil as my mortgage advisor was great from the very start! He is down to earth and speaking to him was always a pleasure. The kindness, compassion and support I have been given all the way through what can be a stressful process was immeasurable. Phil and Jardelle worked as a solid team and was able to make me feel at ease all the way through buying my first home. The team were always available and the communication between everyone was always clear and I felt safe in the hands of the company as a whole. Thank you for helping me buy my first home!Flora R. ★★★★★ I worked with Richard (Protection Adviser) for a couple of days to sort out life and critical illness insurance. Absolutely brilliant, he found me and my husband the perfect policy. Very knowledgeable and easy to get on, he definetely makes things easy to understand. Thank you for the great service provided.Matthew R. ★★★★★ I've dealt with Phil at Ascot Mortgages for a while now and Phil always comes back back to me with the right plan.Keep the good work up!rafal W. ★★★★★ I would thoroughly recommend Phil Greenwood at Ascot Mortgages ltd to anyone looking to seek advice on purchasing a home.Phil was absolutely fantastic. He made the process very smooth and easy and was always there to answer any questions I had.Shahid L. ★★★★★ This company has been truly amazing in constantly giving me the support and help i need for my mortgage and for their continuous work ethic guiding customers like myself and educating them into making the best possible decisions. My special mention goes to Phil Greenwood who deserves every single credit for his brilliant work and communication skills. The more I got to work with Phil, the more he gained my respect as he is a hugely likeable man and possibly the best mortgage advisor yet. Even after I finished my time with Ascot Mortgages, I will never lose my trust in the company and I hope they exceed their business and gain even more success and popularity.Best wishes,Shahid Latif and familyPretty L. ★★★★★ Phil helped me renew my mortgage. He was great at keeping me updated with any rate changes and secured a lower rate than at the time my mortgage went through. Thank you Ascot for your supportNikki E. ★★★★★ Huge thanks to Richard Johnson for sorting out all of my insurance policies! I had accumulated a variety of life cover and various other policies over the years that all needed a good review and refresh. Richard was extremely patient and helped me to remove the duplication and choose the best cover to suit our current needs. I have used Ascot Mortgages for over 12 years and have met several members of the team, always finding the right help and support to work through what can be a complicated and stressful time. Thanks again, Richard!Aamir R. ★★★★★ As first time buyers we had very little understanding of how to go about applying for a mortgage. Phil was so helpful in cutting through all of the formalities and helping us to decide which mortgage would be best for us also ensured we collated all the details needed and kept us up to date on progress. The process of finding the right house was very stressful but the process of choosing and applying for the mortgage and life cover has been so straight forward that, at times, we were worried it was all a bit too smooth! Thank you for guiding us through this so professionally and with real understanding and personality.Andrew T. ★★★★★ Working with Richard at Ascot has been a great experience. He listened to us and was very professional throughout. This was our first experience with Richard but we've been using Ascot now for 6-7 years. Thank you all at AscotAngie B. ★★★★★ Always give a great service and find you a mortgage in a timely fashion.Alison is awesomeAndrew M. ★★★★★ We have used Ascot Mortgages for over 5 years now and have had excellent service throughout, primarily with Alison and Kevin. Our latest dealings have been with Richard Johnson who although new to us (and to Ascot I believe) has once again provided the 5 star level of service we have come to expect. His product knowledge is excellent offering a range of options supported with consistent communication and updates, always available on the phone or on email every step of the way.Ali H ★★★★★ Excellent service, a big thanks to Natalia Barry for her excellent support with my buy to let mortgage application, Natalia was professional, transparent, and kept me informed during all the process, and thanks to Jason jones for his assistance and support.david R. ★★★★★ I have dealt with Ascot for many years now and will always go back, recently had all my insurances re done by Richard Johnston at the firm, excellent service, communication and swift actions by Richard. Great deals on all three insurances and would recommend anybody to go to Richard for help. Thanks Richard 👍Eve Alexandra C. ★★★★★ We used Ascot Mortgages to purchase a home as first time buyers, Ellie assisted us with this and went above and beyond to ensure everything went smoothly, all questions were answered, and any queries were solved.As first time buyers, myself and my partner were quite nervous and clueless as to what to expect when getting a mortgage and what not, and Ellie made this so simple and explained everything in a way that we thoroughly understood what was happening with our house buying journey, without it being pure jargon.I can't thank Ellie enough, she truly has been a star during the whole experience and is an asset to Ascot Mortgages.She is someone who I would definitely recommend to friends and family if the opportunity arises, and has made this whole experience a very stress free and exciting one!Thank you for everything Ellie!Emma W. ★★★★★ Alison helped me to get the right mortgage for my current situation and was very supportivehelen L. ★★★★★ Phil Greenwood dealt with my recent remortgage, he made sure I had the best product to fit our HMO criteria. Then chased solicitors for me and made sure I completed around the date I wanted to avoid my ridiculous rate I was about to be switched to. Thanks Phil, great job! Ready for my next mortgage now so I will be coming back 🙂Mark C ★★★★★ Excellent service from an excellent representative. Very professional and helpful company. Thank you for all your helpDamian L. ★★★★★ I recently purchased a buy-to-let from Auction and Ascot Mortgages, in tandem with Ascot Bridging Finance, supported me through the whole process. Once the property purchase via a bridging loan was complete, Ascot Mortgages worked out the best options for me, despite the Banks rising interest rates and spiralling UK inflation and managed to secure me a competitive mortgage rate for that property. I wouldn't hesitate in going back to Ascot Mortgages in the future and look forward to working with them again in the near future. Thank you for everything you've doneJuliet B. ★★★★★ Thank you to Alison for helping us and sorting out our mortgage. Swift, reliable and very helpful. Very much appreciated. God bless you abundantly 👍👌🤝gareth P. ★★★★★ Been with Alison and team for more than 25 years. Needless to say, very happy...Jo T. ★★★★★ We have been using Ascot Mortgages for the last few years and they have done 11 buy to let products for us.We have found Alison, Phil, Jason, Jardelle and the team to be excellent at finding the best product for us and to work at pace when we are buying from auction and have a deadline to meet.Communication is very good and nothing is too much troubleBen H. ★★★★★ I can't recommend Ascot Mortgages highly enough.We have used them for all of our Mortgages . They are professional and friendly and have walked us through all our options, they always have the time to talk to you and go the extra mile to get you the best deal. It wont be long till I'm calling on their services again, I wouldn't go anywhere else.If you want a mortgage, there's only one place to go!Dog J. ★★★★★ Ascot went the extra mile to help me acquire a mortgage. With the help of Jason and Ellie I was able to get a competitive rate after 3 other firms had told me they couldn't help me. Great levels of communication throughout, I would highly recommend!Ursula B. ★★★★★ Alison was very friendly and professional in securing the right bridging for us and at a very competative price. This ensured that we were able to place an immediate offer and not miss out on our forever home. Later her help and support in finally getting our completion over the line was nothing short of a miracle. I would strongly recommend both Alison and the team at Ascot Mortgages.primrose C. ★★★★★ ALISON IS BY FAR THE BEST IN THE GAME. ALL WE CAN SAY IS THANK YOU SO MUCH. They are passionate on customer service, even in my frustrated time Alison, Jadelle, Ellie I could name them all. May the good LORD BLESS YOU.js_loader

Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:

08.10.2023

Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:

08.10.2023

What is classed as a large mortgage?

In the realm of property financing, a large mortgage typically refers to a loan amount that significantly surpasses the average mortgage value. Although there isn’t a strict threshold that defines a large mortgage, loans above £500,000 to £1 million and upwards are generally considered large mortgage loans in the UK.

Acquiring a large mortgage is often associated with purchasing high-value properties, which may serve as luxurious residences, lucrative investment opportunities, or buy-to-let ventures. The process of securing a large mortgage loan involves meticulous assessment by the lender, encompassing a thorough examination of the client’s income, financial stability, and the property’s value.

With a large mortgage, clients often have access to competitive interest rates and favourable loan-to-value (LTV) ratios, but navigating the options can be challenging. This is where Ascot Mortgages steps in as your trusted high mortgage lender, offering tailored solutions and expert advice to help you secure the best large mortgage deals.

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How Do You Find a Large Mortgage Loan?

Securing a large mortgage loan can be an intricate process, but with the right guidance and a comprehensive understanding of the market, it becomes a manageable task. Here’s how Ascot Mortgages aids you in finding the ideal large mortgage loan:

1. Expert Advice:

 – Our team of experienced mortgage advisors offers personalised guidance, helping you navigate the array of options and securing a deal that aligns with your financial goals.

 – We evaluate your income, deposit, and property value to ascertain the most suitable large mortgage solution for you.

2. Assessment of Lenders:

 – Ascot Mortgages leverages its extensive network of lenders to compare and contrast various large loans UK offers.

 – We assess interest rates, LTV ratios, and terms from different lenders to ensure you secure the most favourable large mortgage loan.

3. Tailored Solutions:

 – Understanding that every client’s needs and financial situations are unique, we tailor our large mortgage solutions to meet your specific requirements.

 – Whether you are looking for a residential or buy-to-let property, our bespoke services are designed to cater to a diverse range of large mortgage needs.

4. Regulatory Compliance:

 – We operate in strict compliance with UK mortgage lending regulations, ensuring transparency and security throughout the process.

 – Our adherence to regulatory standards guarantees that you are in safe hands when securing a large mortgage with Ascot Mortgages.

5. Competitive Rates:

 – Our vast knowledge of the market and strong relationships with lenders enable us to secure competitive interest rates and terms on large mortgage loans.

 – We strive to offer the best deals, ensuring our clients benefit from optimal financing solutions.

6. Streamlined Application Process:

 – Ascot Mortgages simplifies the application process, offering guidance and support at every step, from initial consultation to loan approval.

 – Our efficient and client-centric approach ensures a smooth and hassle-free experience for those seeking large mortgage loans.

By entrusting your large mortgage needs to Ascot Mortgages, you gain access to unparalleled expertise, a wide range of options, and tailored solutions. Our commitment to excellence and client satisfaction makes us a preferred choice for those seeking large mortgage loans for high-value properties in the UK.

Alison Gibson

Ascot Mortgage Expert

Remortgage

Remortgaging is applied when you keep

living in your present property while applying for another mortgage deal with a new lender. Before finding out how to remortgage and get the best offers from experts like Ascot Mortgages, you have to check meeting what parameters of the deal that can help you succeed the most. The range of background factors varies a lot — from the recently changed loan-to-value ratio or your existing agreement coming to an end.

Whether you are trying to get a more beneficial deal or searching for funding to improve your home conditions, remortgaging is one of the most advantageous scenarios to consider.

Why Ascot Mortgages is Your Go-To High Mortgage Lender

Ascot Mortgages has earned a reputation for being a reliable and client-focused high mortgage lender. Our dedication to offering bespoke large mortgage solutions and expert advice has positioned us as a leading choice for clients seeking large loans UK. Here are some reasons why Ascot Mortgages stands out:

– Diverse Options: We offer a diverse range of large mortgage options to cater to varying client needs, be it for residential, commercial, or buy-to-let properties.

– Client-Centric Approach: Our focus is on understanding your unique needs and financial situation, providing tailored advice and solutions to secure the best large mortgage deal for you.

– Extensive Lender Network: Our wide network of lenders ensures that you have access to competitive rates and favourable terms, enhancing your chances of securing the ideal large mortgage loan.

– Regulatory Adherence: Operating in accordance with UK mortgage lending regulations, we uphold the highest standards of transparency and integrity, safeguarding your interests throughout the mortgage process.

– Expert Guidance: Our experienced team of mortgage advisors is well-versed in the intricacies of large mortgage loans, offering invaluable insights and guidance to help you make informed decisions.

Whether you are a seasoned investor eyeing a lucrative property deal or an individual seeking a luxurious residence, Ascot Mortgages is here to facilitate your large mortgage needs. Contact us today to explore the myriad of options available and take a step closer to securing your dream property with a large mortgage loan.

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FAQ

The maximum LTV ratio for a large mortgage can vary depending on the lender and the specific circumstances of the borrower. Generally, for large mortgages, lenders may offer an LTV of up to 75-80%. However, for those seeking the most competitive rates, a lower LTV, such as 60%, might be advisable. Always consult with a mortgage advisor to understand the best LTV for your personal situation.

Yes, it’s possible to secure a large mortgage for non-residential properties like buy-to-let investments. However, the lending criteria might be different compared to residential mortgages. Typically, lenders will consider the potential rental income from the property and might require a larger deposit. It’s crucial to discuss with a mortgage advisor to explore the options available for buy-to-let large mortgages.

The application process for a large mortgage can vary, but it typically takes between 4 to 6 weeks from the application submission to receiving a formal mortgage offer. The exact time frame can depend on the complexity of the mortgage, the responsiveness of the applicant in providing necessary documentation, and the lender’s current processing times. Engaging with a mortgage advisor early in the process can help streamline and potentially expedite the process.

A good credit score is typically crucial when applying for any mortgage, including large mortgages. Lenders view a strong credit history as an indicator of the borrower’s ability to manage debt responsibly. While a stellar credit score can open doors to competitive rates and terms, some lenders might consider applicants with less-than-perfect scores, especially if there are valid reasons for any blemishes on the credit report. Consulting a mortgage advisor will provide clarity on how credit will impact the mortgage application.

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