How do I get a mortgage 7 times my salary?

Tuesday January 31, 2023

Need a BIG mortgage? How about 7x salary???


It’s rare but not impossible to secure a mortgage based on 7x your salary. Most likely, you will be a high-net-worth individual with a very high income, or someone who is asset-rich.

Speak to a specialist mortgage broker

An expert mortgage broker, like, will assess your affordability, according to your income (or incomes) together with the value of your assets versus your liabilities (outgoings). Income sources can include investment dividends and profits, pensions, bonuses and overtime which can help with securing you a higher mortgage. A mortgage broker will work with you to create a bespoke solution to suit your individual circumstances.


If you’re asset-rich, a mortgage broker will factor in these additional assets as security for a large mortgage. The assets can include real estate, gold, rare collectables, investment portfolios, art works and cryptocurrency, for example. They will be used as collateral to secure your loan. If you fail to meet your repayments, your assets can be repossessed by the lender to pay off the outstanding loan.

Large deposit

The larger your deposit, the better the chance you have to secure a larger mortgage with better terms and rates.

High credit rating

Having a good credit score can improve your chances of getting approved for a 7x salary mortgage, so be sure to check and improve your credit reports before applying.

Interest only

You may have the option of an interest only mortgage, which will make your monthly mortgage payments more affordable but on the understanding that you will repay the outstanding mortgage in full at the end of your term.

Give us a call or drop us a message to talk about whether you’re eligible for a large mortgage.

Our insights

We are the UK’s leading specialist in delivering innovative and bespoke financing solutions to global clients.


Specialists in creating innovative and bespoke funding solutions.

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. is a trading name of Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Ltd is a licensed credit broker, and not a lender. Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.
Make An Enquiry

London Office (Main):


London Office (Main):

Largemortgageloans is a trading name of Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London