Mortgages

Mortgages

Borrow from Investec Private Bank

Are you concerned about paying your mortgage as a result of coronavirus or any other factors?

Concerned about your mortgage payments?

If your finances have been affected by coronavirus or other factors and you are worried about making your mortgage payments, then please click here for more details of how we may be able to help you.

Even if you think you might only be affected in the future, there might be something we can do.

Why it’s important to contact us 

If you are feeling anxious about talking to us there is no need. We want to listen and understand any problems you are facing. 

Talking to us about your financial position and any issues which may affect your ability to pay make it easier for us to work out the best way forward. The sooner you contact us the sooner we can understand your position.

Please contact your private banker in the first instance, or call us on 0207 5974988 and we will contact your private banker to arrange a call back.

Work with our experts to find the mortgage that’s right for you.

Our mortgage offering

Whether you’re buying your first home, looking to invest in residential property or even building your next home, talk to us about what we can do for you. Our mortgages are flexible and exclusive. But most of all, they're simple.

Exceptional service

Our focus on a small number of clients helps us provide a bespoke mortgage service that is matched to your individual goals. That’s why we put understanding and transparency at the heart of our relationship with you.

 

Mortgage requirements

£300,000

Minimum yearly earnings required to qualify

£3m

Net worth in order to be eligible

Mortgage Builder

For an indication of our wide range of rates, terms and repayment options, you can enter your requirements into the mortgage calculator below. While we find algorithms like this very useful, they’re not always flexible, so if you’d prefer to talk to a human, why not give us a call? 

 

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Tell us more about you

In what capacity are you borrowing?

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What type of mortgage are you looking for?

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What is the estimated value of the property and how much do you want to borrow?

Estimated Property Value

The estimated value of the property that you are looking to purchase or re-mortgage

£

Loan Amount

The amount you would like to borrow

£ {[(name.loanPercentage/100)*name.propVal | number:0]} at a {[name.loanPercentage]}% Loan to Value

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Please enter a loan amount higher than £250 000

Tell us how you would like to structure your repayments

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Tell us how you would like to structure your repayments

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Loan size
£ {[mps.loanSize | number:0]}
Add repayment

Please adjust the amounts before adding another repayment type.

Tell us how you would like to structure your repayments?

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Your mortgage

Based on the intial information you have entered, this is what your mortgage could look like.

Property Value

£ {[name.propVal | number:0]}

Loan Term

{[single.loanTerm]} years

Loan Size

£ {[loanSize | number:0]}

Low Start Term

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{[revRate]}

Fixed rate reverts to Investec Bank Base Rate tracker according to LTV (variable rate). Rates illustrated are subject to circumstances.

Fixed period

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Rate

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Your rate will track Investec Bank Base Rate for the lifetime of your mortgage

Variable rate

Rate will move in-line with market changes*

Rate

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Over payment limits

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Can fees be added to the loan

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Early repayment charge period

{[ERC]} years {[ERC]} years

None

Borrow back

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Your mortgage

Property Value

£ {[name.propVal | number:0]}

Loan Size

£ {[loanSize | number:0]}

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Loan size £ {[final.loanSize | number:0]}

Loan term Maximum {[final.maxLoanTerm]} years {[selectedLoanTerm]} years
Low Start Term Maximum {[final.lowStartMax]} years {[lowStartTerm]} years

{[final.rate]} Rate Period Maximum{[maxFixedTerm]} years Rate will move in-line with market changes*

Rate {[final.rates]}%

Over payment limits {[final.overPayment]}

Can fees be added to the loan {[final.addedFees]}

Early repayment charge period {[final.ERC]} years {[final.ERC]} years

Early repayment charge period None

Borrow back {[final.borrowBack]}

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Loan size £ {[ft.loanSize | number:0]}

Loan term Maximum {[ft.maxLoanTerm]} years {[selectedLoanTerm]} years
Low Start Term Maximum {[ft.lowStartMax]} years {[lowStartTerm]} years

{[ft.rate]} Rate Period Maximum {[maxFixedTerm]} years Rate will move in-line with market changes*

Rate {[ft.rates]}%

Over payment limits {[ft.overPayment]}

Can fees be added to the loan {[ft.addedFees]}

Early repayment charge period {[ft.ERC]} years {[ft.ERC]} years

Early repayment charge period None

Borrow back {[ft.borrowBack]}

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Rates illustrated are subject to circumstances. These rates and fees relate to UK resident borrowers, additional costs may apply for non-UK resident borrowers.

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Indication of associated costs

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Bank's legal fee £{[fees.legal | number:0]}

Investec requires that you have separate legal representation to the Bank. Fees associated with any legal work are met by you and are typically deducted from the proceeds of the loan. We have included the Bank related legal fee for standard instructions above. Occasionally for non-standard instructions an individual quote may be required.

Valuation cost £{[fees.valuation | number:0]}

Investec has a panel of approved valuers who will undertake a full property valuation on behalf of the Bank. This fee is payable upon acceptance of your agreement in principal. We have included the fees for standard instructions above. Occasionally for non-standard instructions individual quote may be required.

Representative Example – Variable Rate Mortgage

A mortgage of £1,400,000 payable over 148 months, on a variable rate of 2.59% for the term of the mortgage. This would require 148 monthly payments of £3,021.67.

The total amount payable would be £1,858,286.67 made up of the loan amount plus interest (£447,206.67), arrangement fee (£7,000), valuation fee (£2,460), Bank’s legal fee (£1,620).

The overall cost for comparison is 2.7% APRC representative.

The Representative Example is for illustrative purposes only. It is representative of our full range of mortgages. Your actual costs and monthly repayments will vary depending on your mortgage.

Representative Example – Fixed Rate Mortgage

A mortgage of £1,400,000 payable over 148 months, initially on a fixed rate of 2.79% for 5 years followed by a variable rated of 2.59% for the remainder of the term of the mortgage. This would require 60 monthly payments of £3,255.00 followed by 88 monthly payments of £3,021.67.

The total amount payable would be £1,872,286.67 made up of the loan amount plus interest (£461,206.67), arrangement fee (£7,000), valuation fee (£2,460), Bank’s legal fee (£1,620).

The overall cost for comparison is 2.8% APRC representative.

The Representative Example is for illustrative purposes only. It is representative of our full range of mortgages. Your actual costs and monthly repayments will vary depending on your mortgage.

* YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

All loan applications are subject to a full underwriting process, this example is for illustrative purposes only. Mortgage Advice is available and may be required. As such, the tool provides an indication only and your personalised mortgage may need to be different to suit your needs and circumstances.

*All variable rates tracking Investec Bank Base Rate or Bank of England Base Rate are subject to a minimum lending rate, currently equal to the agreed margin. This rate will be confirmed in your personal illustration. 

Peter Izard
‘Your dedicated private banker will guide and support you through the whole process, making it as seamless as possible.’

Peter Izard, private banker

Our private bank mortgages

Residential mortgages

However complicated your situation might seem, our residential mortgages combine flexibility and clear features.

Buy-to-Let mortgages

You can diversify your wealth by investing in residential property with our bespoke Buy-to-Let mortgages.

Revolving mortgages

Unlock the equity in your main property with a secured and flexible line of credit.

Remortgaging

Our remortgages are available for both Buy-to-Let and residential properties.

Ready to discuss your mortgage options?

If you earn a minimum of £300,000 a year, have a net worth in excess of £3m and want an exceptional mortgage service that is designed to suit your individual needs, get in touch.

Tel: +44 (0)20 7597 4050

Investec Bank plc and its subsidiaries recognise and respect the privacy and data protection rights of individuals with regards to personal data. 

 

We may use your personal data to provide you with services you request from us, or to manage your accounts, make decisions, detect and prevent fraud, fulfil any contractual relationship with you, undertake analysis and assessment, ensure that we comply with legal and regulatory requirements and/or for other purposes where in our legitimate interests. 

 

For further details as to how Investec uses personal data, please refer to our Data Protection Notice

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Your private banker

At the heart of your service is a dedicated private banker. They are your personal connection to our world-class network of wealth managers, mortgage and lending specialists and foreign exchange dealers.

Mortgage charges and payments

About our mortgages

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