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High Value Mortgages
Our high value mortgage service caters for individuals seeking large mortgages and high value financing solutions for luxury properties and significant real estate investments.
Panthera Finance work with high and ultra-high-net-worth individuals, understanding that not all borrowing needs can be met by high street banks. Our high value mortgage advisors excel in providing advice on large, bespoke lending solutions.
What is a high value mortgage loan?
Over recent years, a high value mortgage loan has typically referred to a property finance product over £1 million, although some high street lenders with large loan departments are now starting to cater for loans of this size.
Who is eligible for a high value mortgage?
To be eligible for a multi-million-pound property loan, particularly if the loan is 80% of the property’s value or higher, HNW mortgage borrowers should seek advice from advisors who will explore finance options with specialist lenders or private banks. This is because many mainstream lenders cap lending at £1 million, with loan sizes typically ranging from 60-75% of a property’s value.
High value mortgage lenders
For clients exploring high value mortgage finance, lenders offering large and bespoke loans will take a comprehensive view of a client’s finances, assets and overall wealth profile to determine affordability.
Our specialist high-net-worth mortgage advisors can assist with providing comprehensive and unbiased advice, and access to the best possible terms.
How to obtain a high value mortgage
When financing multi-million-pound and high-net-worth property purchases, high value mortgage advice is essential for clients who are assessing what options are available to them.
At Panthera Finance we understand that wealthier borrowers require bespoke lending advice that addresses their unique financial objectives.
Forming long lasting relationships
We are proud to have unrestricted access to the vast network of large loan underwriters across the UK’s market of leading banks and building societies, ensuring we can offer our clients a long-lasting, unrivalled and personalised service when sourcing solutions.
Let Panthera Finance source your next high value mortgage
Panthera Finance have nurtured deep relationships with private banks and specialist lenders who understand the wider finances of wealthier borrowers. By choosing us as your property finance partner, we will work closely with key lending decision-makers to deliver high value mortgages and large lending facilities that are as bespoke as our clients.
Contact us to start your tailored property finance journey today.
Meet our dedicated team
Meet our advisors who specialise in arranging high value mortgages.
Tim Kemp
Co-founder
Tim is a co-founding partner of Panthera Finance LLP and the company’s principal.
He has 18 years’ extensive experience advising high and ultra-high net worth clients on high-value mortgages. Trusted by the UK’s top lenders, he connects clients with private banks for a holistic financial approach.
With a background as a financial planning consultant for expats in Singapore and many years as a mortgage broker in London, Tim provides mortgage advice in the context of a clients’ broader financial needs.
Tim enjoys spending time with his wife and son when not working and loves to travel and keep fit. He splits his time between London and Liverpool.
Andrew Chalton
Private Client Director
A former winner of the British Mortgage Award for “Large Loans,” Andrew is a seasoned structured debt advisor with over a decade of experience delivering bespoke funding solutions for high-net-worth and private clients.
He has cultivated strong relationships with Family Offices and key individuals within private equity and hedge funds. His expertise allows him to craft tailored solutions for clients with non-traditional income streams and diverse asset structures, ensuring their unique financial objectives are met.
Andrew is dedicated to providing exceptional service across time zones, ensuring both domestic and international clients receive the attention they deserve. His extensive network of professionals, including lawyers, tax advisers, buying agents and interior designers, enables him to address all client requirements seamlessly.
In his downtime, Andrew enjoys listening to motivational podcasts, traveling with his fiancée, playing golf, taking long walks with his Golden Retriever and watching his beloved Liverpool FC play at Anfield.
Alex Weldon
Associate Director
With 15 years’ experience in the property industry, Alex has extensive knowledge of the London & wider UK housing markets.
Since joining the finance sector in 2018, he has developed lending expertise and built strong lender relationships, achieving exceptional results for a diverse range of clients, including first-time buyers, portfolio landlords and high net worth individuals.
With a degree in engineering & design, Alex is highly analytical and excels in finding solutions for complex scenarios.
Alex is a dedicated father of two young children who enjoys the occasional round of golf while balancing family life.
Dan Gracie
Specialist Lending Director
With 18 years’ experience as a mortgage broker, Dan now specialises in complex cases and earned the 2023 British Specialist Lending Award for “Broker: Complex Income.”
He has developed strong relationships with lenders, which he leverages to create bespoke solutions for clients who don’t fit traditional criteria.
Dan handles a diverse range of scenarios, including expats, foreign currency income, overseas work, company owners, high net worth individuals, commercial properties and large property portfolios.
Outside work, Dan can usually be found on the tennis court, experimenting with different cuisines in the kitchen, or being a roadie for his drummer son and dancer daughter.
Anthony Farren
Senior Mortgage & Protection Advisor
Since joining Panthera Finance in 2019, Anthony has specialised in residential, buy-to-let, expat mortgages, complex lending, and short-term bridging finance.
He serves a diverse client base, including first-time buyers, home movers, and expats seeking investment opportunities, offering tailored solutions to meet their needs.
As a skilled protection advisor, Anthony also helps clients with life insurance and protection planning, ensuring their financial security and peace of mind.
At home on the golf course and tennis court, he can also be found in the gym. When not there, Anthony loves to spend time with his family & friends, especially in a pub garden on a summer’s day.
Jason Caprioli
Lending Director
Jason is a partner at Panthera Finance LLP and the company’s principal commercial specialist.
He focuses on securing development debt, long-term finance and equity for residential and commercial projects. With prior experience at major UK banks including Barclays and Coutts, as well as specialist start-ups, Jason excels in finding comprehensive finance solutions.
His close relationships with key lenders & funders and his attention to detail help to facilitate reliable funding decisions early in the process.
Jason is a keen athlete and has completed an Ironman and swum the English Channel. He regularly undertakes challenges to raise funds for both children’s and cancer non-profit organisations.
Our team are here to help
Our professional advisors would be delighted to speak with you and discuss your requirements.
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