£900,000 Mortgages

If you’re looking to secure a £900,000 mortgage, speak to our expert adviser team.

If you’re looking to secure a £900,000 mortgage, speak to the expert adviser team at Large Mortgage Loans.

Drawing upon our network of over 200 mortgage providers – which includes household names and more specialist private lenders – we have the contacts and years of expertise in the large mortgage sector which can help you secure a mortgage of £900,000.

Here, we’ve developed a useful guide to applying for a £900,000 mortgage. Read on to discover if you’re eligible for a home loan of this size, how much you can expect to repay on a monthly basis, and what to do if your circumstances are a little more unusual or complex than those of the average customer.

How to find out if you’re eligible for a £900,000 home loan

Each lender has its own set of lending criteria but, as a general rule, you will need to make sure you answer ‘yes’ to all of the questions below if you want to secure a £900,000 mortgage.

Do you have sufficient deposit funds?

Most lenders will need you to put down a deposit of at least 10% of the purchase price of your property. The more you can put down initially, the better your chances are of being accepted (and you’ll usually be able to enjoy more competitive interest rates on the outstanding balance).

Can you afford to pay off your £900,000 mortgage on a monthly basis?

Your lender will want to make sure that you have enough money coming in every month to cover your mortgage repayments, along with bills, council tax, food shops and other standard living costs. They will need to see statements for all your bank and credit card accounts to make sure you are in a strong enough financial position to take on a new loan. It can take a while to get all of your paperwork in order, so it’s a good idea to start the process as soon as possible.

Can you prove that you have a steady income?

As long as you are receiving regular income from a dependable source which covers your financial obligations, you should be eligible for a £900,000 mortgage.

If you are self-employed, or you have a more complex income structure that consists of commission, bonuses and/or dividends, you may need to provide the lender with two or three years of accounts. The bank or building society will then average out the income to determine whether or not you meet their affordability criteria.

Are you – and your partner – free from debt?

Joining forces with a partner can be a great way to secure a £900,000 mortgage, as the lender will take both of your earnings into consideration before offering you a loan. However, if you or your other half have struggled with debt in the past, be prepared for your low credit score(s) to affect your application.

How to work out the monthly repayments on a £900,000 mortgage

When you take out a home loan of £900,000 or more, you will need to be prepared to contribute monthly repayments towards your mortgage.

The amount you have to pay will depend on:

  • Whether you have chosen a repayment mortgage or an interest-only mortgage
  • The interest rate that’s being applied to your repayments by the bank or building society
  • The length of your mortgage term. For example, customers who are paying off their mortgage over the course of 35 years will typically pay less on a monthly basis than those with a 25 year term (but may be charged more in interest overall).

If you are considering an interest-only mortgage the lender will require proof of a credible repayment strategy.

Use our own mortgage calculator to give you an idea of what you can expect to pay on a monthly basis towards your £900,000 mortgage.

What if your lender won’t cover your ideal property?

If you’re looking to buy a converted property, a thatched cottage or a Grade 1 listed building, you may find that the average bank or building society will refuse your case entirely. This is because these types of properties are considered high risk.

That said, our team may still be able to source a specialist lender who has experience in dealing with more unusual homes. Don’t write off your purchase until you have sought expert advice from our team of advisers.


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If you’re looking to secure a £900,000 mortgage, speak to our adviser team.

Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home.  

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