High Value Mortgages

Our High Value Property Mortgage Service

If you have a high value property and you are looking to refinance your existing mortgage or raise additional funds based in Bristol and Edinburgh we can offer you a first class service: 

Special features of what we offer include:

• Whole of market service - we compare over 50 UK lenders to help you find the right deal for your circumstances

• Large Loan Providers - We work with lenders who can lend over £1m

• Telephone based service - you are welcome to come to our offices if you prefer a face to face meeting

• Latest Rates - Access to leading market mortgage rates

• Exclusive Offers - Access to mortgage deals not available on high street

• Fast turnaround - speak to us today if you need to move quickly

• Personal service from start to finish

• Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To investigate your mortgage options call our Bristol based mortgage advisor team on 0117 313 7780 or fill in our call back form.

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

Choosing the appropriate high value mortgage deal

Assorted mortgage brokers provide a range of high value mortgages to a wide sweep of customers including private individuals, property developers, property investors, celebrities and expat business people.

If you are seeking to obtain a mortgage in excess of £1 million then out team of independent whole of market mortgage advisors may be able to help you find what you are looking for. We could help you to locate high value mortgages for a range of purposes such as:

• Residential high value mortgages

• Buy to Let high value mortgages

• High value property portfolios

• High value holiday homes

• High value commercial mortgages

• Short term finance for property transactions where you need to move quickly

As well as private banks, there are numerous high street mortgage providers who are willing to offer mortgage deals at high value. Bear in mind, though, that such offers as these may well be limited to borrowers who have a largely simple monetary situation – for instance, who are in well paid salaried employment.

If you have a variety of complex income streams then it may be better to consider more specialised high value mortgage providers in order to meet your needs. In the event that you have a range of more complicated income sources, it might be a better idea to approach a mortgage broker who only provides high value mortgage deals, in order to fit your requirements.

Points to consider when in search of a high value mortgage deal

As a high net worth mortgage borrower, you will be required to take on board specific factors and show them in the most advantageous aspect to your designated lender, in order to build up your chances of obtaining the high value mortgage that you require. Some of these points may include:

The size, location and nature of the property

Some mortgage lenders will designate specific constraints on the type of property they will lend against. For instance, some mortgage providers will pass over lending on residential properties with more than nine bedrooms, or will eschew lending on listed buildings or unconventional and architect designed unique homes. If any of these facts relate to the property you want to buy, you may want to discuss your options with a private bank or specialist high value mortgage lender. Our independent mortgage advisors can help you to find the right high value mortgage lender for you.

You income and other financial details

For mortgage lenders, a mortgage borrower who approaches them with the guarantee of a regular, fixed income is often the most appealing and reassuring lending choice.

If you are a high net worth borrower, however, you may have an income from a variety of more complex sources including bonus payments, dividends and other assets. You may have income in several currencies as well. By using the services of a broker in high value mortgage lending, you could have a much better chance of having the specifics of your financial situation fully understood.

We can help you to present other assets, such as your investment income and any earnings from bonus payments or dividend payments, in the most favourable light to mortgage lenders.

Demonstrating your income to mortgage lenders

After you have drawn up a list of potential mortgage providers for your high value mortgage you will need to collate evidence of your personal finances to present to them, allowing them to calculate mortgage affordability on a case by case basis. As well as presenting payslips, P60s and SA302 forms as evidence of employment or of income from self-employment, you could also be asked to show documentation regarding investment income and other income sources.

Our independent whole of market mortgage team can help you to locate the right high value mortgage for you – call us today on 0117 403 4474 or To speak to one of our mortgage advisers click here »