Sophisticated financing, for exceptional properties.
Securing a mortgage of this scale isn't a bigger version of a standard application — it calls for a different network entirely. We work with over 30 private banks and specialist lenders to structure lending against complex wealth, unconventional income, and property that a high-street lender simply isn't equipped to assess.
What determines eligibility at this level?
A standard affordability calculator isn't built for million-pound lending. Private banks take a broader view — one that reflects total wealth, not just income — and the right presentation of your case matters as much as the numbers themselves.
- Total wealth assessment — salary, investments, assets, and business income considered together
- Credit history, with specialist lenders able to work with more complex backgrounds
- Property valuation, location, type, and condition
- Ownership structure — trusts, offshore companies, and joint arrangements assessed and structured properly
One Dedicated Adviser
From first call to completion, a single point of contact who understands your case in full — no re-explaining your circumstances at each stage.
30+ Private Banks & Specialist Lenders
An exclusive network unlocking sophisticated lending options and bespoke mortgage products often unavailable through mainstream banks.
Complex Wealth, Handled
Self-employment, business ownership, and international earnings assessed and presented to lenders in the way that gets them fully recognised.
White-Glove, Start to Finish
From initial consultation to final completion, we manage every aspect of the process for a seamless, stress-free experience.
Built for wealth that doesn't fit a standard form
Fast, High-Value Bridging
Structured bridging across multiple properties, so a purchase doesn't have to wait on the sale of an existing asset.
Recently secured — a £4,680,000 bridging solution at 90% LTV across two properties, enabling a client to complete their onward purchase ahead of their existing sale.
Interest-Only and High LTV
Where it suits your wider financial position, interest-only structures and higher loan-to-value solutions keep more of your capital deployed elsewhere.
Applies to clients who want to preserve liquidity rather than tie wealth up in property.
Multi-Currency Income
Foreign currency income, international earnings, and overseas assets assessed properly by lenders equipped to understand them.
Recent case — arranging finance for a client with Euro-denominated income purchasing in Fulham, London.
Trusts and Offshore Structures
Complex ownership structures — trusts, offshore companies, and joint ownership — are common among high-net-worth clients, and we're highly experienced in structuring loans accordingly.
Every structure considered and matched to the right lender from the outset.
£20 million purchase, structured with complete discretion
At the very top of the market, financing a purchase of this scale requires access private banks reserve for a select few. We manage every element in confidence — from initial structuring through to completion — for clients whose requirements go well beyond a standard mortgage.
Enquire in confidence →What sets Orton Financial apart
Exclusivity
Access to private banks unlocks sophisticated lending options designed specifically for high-net-worth individuals, often unavailable through mainstream lenders.
Specialised Expertise
Years of experience securing multi-million-pound loans, skilled in navigating the complexities of luxury property financing.
Personalised, White-Glove Service
A bespoke, high-end service that puts your needs first, with every step handled professionally and efficiently.
Independent and FCA Regulated
We act in your interest, not the banks'. Whole-of-market access, no hidden fees, no exceptions.
"We asked Luther Yeates to help us finance our house purchase in Fulham, London. We needed someone with experience in dealing with income in Euro. Luther was very good at swiftly identifying the best mortgage providers to allow this. His great link and access to the chosen lender's underwriting team meant that my mortgage was put in place in time and in a very smooth way, including dealing with last minute necessary changes."
"We are extremely satisfied about Luther's professionalism and the outcome of his work. We would definitely work with him again and we highly recommend him."
Frequently asked
A million-pound mortgage is a strategic financial tool that allows you to acquire high-value properties or investments while preserving your capital. It offers the flexibility to leverage your wealth effectively without needing to liquidate other assets, providing financial liquidity for further investments or personal needs.
Yes — our private bank and specialist lender network includes options suited to high-value buy-to-let purchases, structured alongside your wider wealth position.
Yes, interest-only structures are available and often suit clients who want to keep capital deployed elsewhere rather than tied up in property.
Rates vary significantly by lender, structure, and your individual circumstances — a personalised quote is the only reliable way to know what's available to you.
Fees depend on the lender and structure used. We're transparent about all costs from the outset as part of your personalised quote.
Yes. We work with lenders experienced in assessing foreign currency and international income properly, rather than discounting it.
This depends on rate, term, and structure — our advisers model this precisely against your circumstances as part of a free consultation.
Access to sophisticated financing that preserves capital, higher loan-to-income ratios through private banks, and tailored solutions for complex employment and wealth structures.
We advise a wide range of clients — investment bankers, partners, entrepreneurs, and others with complex or substantial wealth profiles.
From initial consultation to final completion, we manage every aspect of the process, drawing on our network of private banks to secure the most advantageous terms available.
Demand has grown alongside rising property values and more clients seeking to leverage wealth efficiently rather than tying it up entirely in property.
Sophisticated financing, structured properly.
Million-pound mortgages are ideal for high-net-worth individuals looking to finance luxury homes, complex wealth portfolios, or high-value investments. Speak with one of our experts today.
Speak to an Adviser