Mortgages

Leading authority in large mortgages and property financing for high-net-worth individuals worldwide.

Plan my discovery call

Mortgage Services

Specialists at the top end of the market, Stock Release Limited negotiate every type of large mortgage. From equity release to mortgages on multimillion-pound homes, secondary residences or buy-to-let investments, Stock Release Limited source the best mortgage rates and terms for you.

Available to you 24/7 from the moment you get in touch, Stock Release Limited delivers bespoke financing solutions, no matter how complex your situation or how large your mortgage.
Contact us

Large Mortgages

Stock Release Limited has experience with everything from million-pound mortgages to hundred-million-pound-plus mortgages. One of the Market leaders in large mortgages worldwide, Stock Release Limited will negotiate a personalised lending solution that’s tailored to meet all your requirements, no matter how much finance you need.

Complex Mortgages

With proven experience dealing with challenging scenarios, Stock Release Limited will be able to secure a mortgage for you, even if you have a delicate or unusual background. Focused on delivering workable solutions whatever your circumstances, Stock Release Limited can source a financing solution for you, even if others have failed.

Large Buy-to-Let Mortgages

Naturally, you’ll want the most competitive large buy-to-let mortgage, but that’s not easy to achieve if you’re working alone. Experts in this niche part of the market, Stock Release Limited will negotiate the very best financing deal for you, even if your property doesn’t currently have tenants.

Tailored Mortgages

Perhaps you’re looking for a mortgage from a specific lender. Maybe you want to borrow a significant amount or if you are interested in specific terms or interest arrangements. Whatever your requirements, Stock Release Limited will design and plan and negotiate a mortgage to fit your every need
Let's work together

Schedule a Call Today

Please click below to set up a 15-minute phone discussion with one of our account managers or simply call us directly.

Schedule now

Frequently Asked Questions

How does a mortgage work?

Most high-value property is too expensive for people to buy just using savings or cash. Buying in cash may also not be advantageous from a fiscal perspective or when it means you put all your money into a property but have no remaining liquidity. Mortgages are loans that lenders offer to allow individuals to borrow funds to buy a property if you can’t or don’t want to buy it outright. You repay the lender over several years.

For most mortgages, you will need to put down a cash deposit. You will owe the remaining amount to your lender, and you will repay the loan in monthly instalments over a set period (known as the loan term). If you cannot repay the loan, your lender can repossess your home.

What different types of mortgages are there?

For anyone looking for high-value mortgages (£1 million or more) or if you are a high-net-worth individual, there are lots of mortgages to choose from. The best mortgage for you will depend on your financial background, how much you want to borrow, the type of property you want to buy (e.g., residential, buy-to-let, second home) and your ambitions. Stock Release’ expert team of brokers will be able to talk you through your options, but high loan-to-value mortgages, million-pound-plus mortgages, buy-to-let mortgages, interest-only mortgages and equity release mortgages may all be options.

How long does a mortgage last for?

The shortest mortgages have terms of 2-3 years, but these tend to be rare and used in particular scenarios. At the other end of the scale, it is sometimes possible to have 40-year mortgages, but these tend to be offered to mainstream borrowers with good income looking to maximise what they can borrow, rather than the norm for high-net-worth individuals.  

For high-net-worth individuals, mortgages with terms of 5 to 25 years are typical, although mortgages in the 5-to-15-year range tend to be the most usual. 

What is the difference between an interest-only mortgage and a repayment mortgage?

An interest-only mortgage is when you effectively pay your lender the interest on the amount you borrowed, but you don’t make repayments on the principal loan amount. At term, this means you have repaid the borrower the interest you owe, but the principal remains outstanding, and you will need to repay it. Interest-only mortgages are relatively rare these days and are generally only offered to high-net-worth individuals who will easily be able to repay the principal amount at term.

Repayment mortgages are the most common type of mortgage today. Here, you will make monthly repayments to your lender, repaying both the capital and interest each month over the loan term.

What’s the difference between a fixed-rate mortgage and a variable-rate mortgage?

A fixed-rate mortgage refers to the fact that the interest rate agreed with your lender will not change for the loan term. 

With a variable-rate mortgage, the interest that you pay will reflect a specific base rate, with a fixed percentage added on top. Your mortgage will follow the base rate, effectively rising and falling in line with any changes to the base rate over the course of the loan term. 

What is a remortgage?

A remortgage is the process of replacing your existing mortgage with a new mortgage from another lender without buying a new property. Your ‘new’ lender will pay off your ‘old’ lender, and you then make monthly repayments to this new mortgage provider, usually at a better rate or benefitting from more advantageous terms.

Can I buy at an auction with a mortgage?

No. However an alternative solution is auction finance. Auction finance is used because most mainstream lenders can’t offer traditional mortgages within the 28 days you will usually have to pay off the remaining property amount after the auction. You can arrange auction finance and draw down funds very quickly, especially if you have in principle offers and have started working with a lender to organise paperwork before the auction. Auction finance can be completed very quickly – even in as little as a few days or a week – meaning you can meet the very short turnaround between the auction and the deadline for payment. You can either refinance auction finance with a long-term lending option like a mortgage or pay off the loan through a liquidity event.

What fees are involved in getting a mortgage?

Stock Release only charges a brokerage fee when you are happy with an offer your broker has sourced for you and you are ready to formally submit the mortgage application to the lender. By charging you a fee at this point, Stock Release can stay independent, and the onus is on your broker to present the most competitive mortgage possible for you to move the deal forward. Your broker will spend as much time as needed approaching lenders, seeking finance and structuring the best mortgage for you and you are only charged a fee for this work when you are happy to proceed.

0

Lenders

0

Years
Experience

0

Exchanges
Supported

Featured In

Testimonials

We help to achieve
mutual goals.

Best practices

“Great team, highly professional and with fantastic connections to get the best deal. A pleasure to work with.”

Alexander
Best practices

“I thought getting a stock loan was going to be much more difficult before meeting the team at Stock Release Limited. They showed me exactly what I needed to do, and we were able to close much quicker than I expected.”

Stacey
Best practices

“I have always been impressed by their professionalism, knowledge and proactive approach. Highly recommended.”

Roger
Best practices

“I have used this firm 2 times for different services, and each time they continue to surprise me with the network they have in the market. The team were extremely helpful and was able to secure me a great deal. Helped with all things from the initial stage all the way through to the completion.”

Christian
Best practices

“Fantastic job done. They know the market and work tirelessly to get the deal done. Excellent team.”

Hellen
Let's work together

Schedule a Call Today

Set up a time to speak with our business development team by simply clicking here

Call us

We use cookies to give you the best experience. Cookie Policy