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 142 reviews from review us onAreti D. ★★★★★ Absolutely thrilled with the exceptional service provided by Ascot Mortgages Ltd and especially by Natalia Barry! Even though our home purchase hasn't been completed yet, we couldn't wait to share our positive experience. From the moment we reached out, their professionalism and expertise shone through, making the daunting process of securing a mortgage a breeze.Not only did Natalia navigate the intricacies of the mortgage market with finesse, but they went above and beyond by suggesting other high-quality services, including solicitors and insurance providers. This comprehensive approach is making the entire home-buying journey seamless and stress-free.Natalia took the time to understand our unique needs and financial situation, ensuring that the options presented were tailored perfectly.Communication is prompt and clear throughout, leaving us feeling informed and confident at every stage. Natalia had our best interests at heart, going the extra mile to secure a fantastic mortgage deal.We cannot recommend Ascot Mortgages and Natalia highly enough. If you're in need of mortgage assistance, look no further. With their expertise and dedication to client satisfaction, you're in the best hands possible. A huge thank you to Natalia for making our home-buying experience a dream come true!Ashley Cox 1. ★★★★★ Would 100% recommend. Myself and my partner are currently going through the mortgage process as first time buyers. Natalia Barry has dealt with our application from day one. She has always been on hand to help, informative throughout and reliable when we have had questions. She has given us several options and broken them down into simple terms to help us. Natalia has truly been exceptional who deserves every bit of credit. We certainly got lucky having her as our first mortgage consultant.Dominik S. ★★★★★ Alison and the Ascot Team are excellent. I have used them for 5 years now and they deliver the most competitive mortgage deals fast. Just what I need. Thank you!Eric T. ★★★★★ We have dealt with Ascot Mortgages twice. Once for a mortgage about eleven years ago and recently for life insurance.In both cases we were treated with the utmost respect and professionalism.In the case of the life insurance application, we considered ourselves to be problem customers because of our age and numerous health issues.Richard Johnson, who managed this application couldn't have been more helpful.He worked in our best interest and was dedicated to providing an excellent service.We were kept up to date through all of the stages of the application and when our doctors were very slow in producing medical reports for the insurance company he persisted where others might have given up.The service we had from Richard was pleasant and professional throughout some difficult stages.My wife and I have no hesitation in recommending Ascot Mortgages.Zack R. ★★★★★ Having dealt with Ascot Mortgages and Alison for many years now I can say that you wont find a more professional, knowledgeable and efficient company to help with your mortgage. Alison is patient and makes the whole process seem easy. She has the answer to any question you have and seems to genuinely care. I can not recommend enough. I am sure I will be using Ascot Mortgages for years to come.Umair Z. ★★★★★ It has been a fantastic experience to work with both Phil and Jardelle at Ascot Mortgages to secure a mortgage product for my first home. Phil made the mortgage process smooth and easy. They are professionals and know what they are doing. Very pleased with the service and communication. would highly recommend them.Hello at NLP West M. ★★★★★ I needed a buy to let re-mortgage. Ascot were efficient from start to finish. I can recommend them completely especially because they can search the whole spectrum of mortgage lenders and meet the clients needs. never waiting for staff to get back and always kept me in the loop.Onohomen O. ★★★★★ ZHOU J. ★★★★★ It has been a brilliant experience to work with both Phil and Jardelle at Ascot Mortgages to secure a great mortgage product for our next home. Given how challenging the current market is, they have done a fantastic job to meet our needs with their expertise, professionalism and effectiveness. We would highly recommend their services to whom seeks help with their property purchase.Nicholas S. ★★★★★ Fantastic service. Ellie and Jardelle were always quick to reply to any queries and very helpful throughout the process. Highly recommend!Stacey S. ★★★★★ Jason was brilliant to work with! Always on top of the transaction! Would highly recommend 👍Scott ★★★★★ Although I've not bought anything yet, they (Jason in particular) have been super helpful in my search for the right mortgage deal, whilst also giving an honest opinion during these difficult times. Would highly recommend.Sandra I. ★★★★★ Fantastic from start to finish! Natalia and Jason found me the best rate for my remortgage and they were extremely efficient! Best service I’ve ever received from a brokerage company. Thanks so much.Virmantas N. ★★★★★ Amazing service and great communication. Ellie Morgan had quickly completed all requests and over delivered all expectations.Highly recommended for those who want to get the stuff done without any delays!David W. ★★★★★ I have used ascot for 3 renewals since they done helped me with my purchase which was complicated and will continue to use them going forward. Very fair prices and very helpful and knowledgeable even with just general information.Adam B. ★★★★★ Natalia made life very easy for us when remortgaging. Third time using ascot always a breezeTaff G. ★★★★★ Ascot Mortgages have been brilliant. Easy to work with and incredibly helpful. I am always happy to recommend them. Natalia and Jason have made the whole process much easier than I was expecting. Excellent service.Daryl L. ★★★★★ We've had a fantastic experience with Natalia Barry and Jason Jones at Ascot Mortgages for our property purchases and refinancing. Their expertise, coupled with genuine care and understanding of our needs, made the process smooth and stress-free.They were consistently communicative, keeping us informed at every step. Their assistance in consolidating our protection cover was invaluable, simplifying what could have been a complex process.What set them apart was their personal touch – always polite and ready to pick up the phone for a chat. This level of personal engagement is rare and much appreciated.In short, Natalia and Jason are not just skilled professionals but also truly dedicated to their clients. We highly recommend their services to anyone in need of mortgage advice.Sarah A. ★★★★★ I have used this firm for several years and they have always been super helpful and supportive, attentive and resolved issues in really useful ways. Shout out to Alison, Ellie and Jardelle (and the team!)Georgia W. ★★★★★ We worked with Ellie to secure our mortgage and protection, and she was a dream! Being a first time buyer, I was quite clueless about the process, and in a time where mortgage rates have been quite high, she worked right til the end to make sure we were getting our mortgage at the best possible rate and was always available to answer all questions I had. Can't recommend enough 🙂Richard D. ★★★★★ Laura S. ★★★★★ As a first time buyer, trying to navigate through potential mortgages was a very daunting thought. Ascot Mortgages were recommended to me and I've been extremely happy with the service provided. They have guided me through every step and I finally have a mortgage. Very pleased and would recommend.Lucy 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!js_loader

Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:

07.02.2024

Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:

07.02.2024

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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