• Tel: 0345 230 9091
  • Fax: 0203 915 8221
  • Avenue & Co Private Finance, Unit 2, 70B Great Suffolk Street, London
  • SE1 0BL

A+   Loans above £3m

A +  Bespoke Loans above £3m - tailor made to you. Discretion is everything.

We are unique in that we can provide 'Bespoke Mortgages' over £3m. These allow borrowers to mix rates (e.g. fixed, tracker) and vary the loan amounts and terms. More importantly, flexible underwriting that now allows a greater degree of interest only lending and non standard income forms / non standard property.

For mortgages above £3m, our long established links with High street lenders underwriters, RICS Surveyors and specialist Banks go back over 20 years.

Private Banks still play a key role in large lending, offering a much greater flexibility of products in terms of how the rate is calculated.  Private Bank lending can cater for the more complex cases where applicant's income is made up of various sources, lending to Trusts and lending to purchase property via SPV Limited Companies.

 - 1. Mortgages can be secured for complicated income streams, consideration of bonuses, lending on existing assets (including investments) and share portfolios, trust income or investable assets.

 - 2. These products do not show up on price comparison sites or the internet.  Private Banks only distribute these products through very carefully selected professional brokers. Only a handful of brokers in the UK can offer these products to their clients.

 - 3.  Many Private Banks wont allow just a mortgage nowadays, they usually require assets under management (AUM) as part of the deal - so you may have to shift cash or other investments to the lender.  We now offer 'Dry lending' where AUM not required.

 - 4. The minimum loan size to qualify for these deals are typically £3m and may lend to £50m.  Minimum income is typically GBP equivalent of £300,000 per annum.  These loans may take longer to approve due to credit committee approval required.   Most lending is at Bank of England base rate + 2-3.5% at 60% LTV.

We have the unique ability to negotiate directly with the underwriters and credit committee on behalf of our clients to ensure we obtain the most suitable lending terms or where applicants do not fit the usual criteria.

Lending for specialist occupations such as Sports, Entertainment and other professional occupations, flexible underwriting and larger loans can be arranged. 

Contact us now by simply completing our online enquiry form online, or email us at:  enquiries@aacpf.com

or call 0345 230 9091 during office hours 

FOREIGN CURRENCY LOANS: Mortgages available in US dollar, Japanese Yen, Euros, GBP Sterling, Swiss Franc, Hong Kong dollar. and managed Multi Currency mortgages are  also available.

BUY TO LET:  Portfolio landlords and purchases through a personal name or via a Limited company, we are the experts. 

SELF BUILD FINANCE: Whether you are building your own property from land or fully refubishing,  we are the experts with over 18 yrs experience in this sector. Finance can also be obtained if the property is of non standard construction.

EXPATRIATES & FOREIGN CURRENCY MORTGAGES: We also arrange mortgages for UK Expatriates living outside EU countries and applicants.


Avenue & Co Private Finance is a trading name of KVMY Avenue Limited which is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.

We act as introducers for Tax Advice, accountants, surveyors, currency specialist and property agents, Development Finance, Mezzanine Finance, Foreign currency Mortgages, managed multi-currency mortgages, Commercial mortgages, and Trusts.

The FCA does not regulate Development finance, Mezzanine Finance, Commercial mortgages, Trusts and some forms of Buy to Let mortgages and Bridging Finance.  

The FCA does not regulate Accountants, Surveyors, Property Agents and some forms of tax advice and buy to let mortgages

Changes in the exchange rate may increase the sterling equivalent of your debt.


As comprehensive mortgage advisers, you can choose how we are paid.  We usually charge an administration and advice fee to process a mortgage application.  This fee is usually £599.00. We may on completion receive a commission from the lender.

We do not charge fees for remortgages or product transfers where you remain with your current lender

Alternatively, you can pay us a fee of 0.35% of the loan and we will refund any procuration fee / commission back to you that we receive. We adhere to the principles of treating customers fairly and if we do charge you a fee, we will put in writing to you details of any fees before commencing any work.

  • Tel: 0345 230 9091
  • Fax: 0203 915 8221
  • Avenue & Co Private Finance, Unit 2, 70B Great Suffolk Street, London
  • SE1 0BL


Enquiry Form

Enquire here or just call us - 0345 230 9091 open Mon-Fri - 9.30 am to 5.00 pm

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Calculate monthly payments on either a repayment or interest-only mortgage.

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