Our mortgages are built around your needs. How much you can borrow is based on your full financial profile, no matter how complicated, not just the property value.

Dedicated and Flexible service
Dedicated and flexible service

Your dedicated private banker will manage your application, from your first enquiry to completion. They have the freedom to structure your mortgage application whatever your income structure – even if you earn part of your income in a foreign currency.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Ready to discuss your mortgage options?

If you are looking to change your mortgage deal over to Investec, or have an existing mortgage with us and have a question, our team of dedicated private bankers can help with your enquiry.

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 mortgage journey with us:

First enquiry

We understand the importance of dialogue. That’s why your journey begins with us understanding more about you and your mortgage needs, and whether Investec may be the right choice for you. We will also check if you meet our eligibility criteria to apply for a mortgage with Investec Private Banking.


Applying for an Investec Private Banking mortgage with advice

Whether it’s at your office or ours or over the phone, our Mortgage Advice Service is an opportunity for us to understand your needs in more detail. Completed by a qualified Mortgage Adviser, this is an important part of the process that helps us identify the Investec mortgage that reflects your circumstances.

Applying for an Investec Private Banking mortgage without advice

Depending on your circumstances, you can apply directly with your dedicated private banker without advice.

Completing an application

Your application is completed at your convenience and at a pace you demand. We are here to help should you need any support completing your application.

If you were provided with advice, your Investec Mortgage Adviser will introduce you to your dedicated private banker. Once your application is complete and all the relevant documentation has been collected, your private banker will manage your remaining journey.

Decision and offer

A complicated income structure does not have to be a barrier to obtaining a mortgage. Your private banker has the creative freedom to underwrite your application on more than a basic salary – such as relying on bonuses, interest carried forward or income from profit shares.

Your private banker has direct interaction with a team of credit managers who review every mortgage application. Once your application has been approved, our team of legal experts – who have extensive experience dealing with complex property purchases and bespoke mortgage terms – prepare and send out your offer.

Property valuations and other due diligence are also carried out.

Completing an application

All that is left is for us to work with your legal representatives to transfer the funds required to complete the property purchase (or your existing mortgage provider if you’re remortgaging). This is a complex process that your private banker oversees to ensure you remain on track.

General mortgage information

Before you take out an Investec Private Banking mortgage please take the time to read the information available.


Fixed rate mortgages revert to a lifetime tracker over Investec Bank Base Rate (IBBR). Your lifetime tracker margin will depend on your loan to value and can be found in your mortgage illustration and offer.

Residential and buy-to-let mortgages
Revolving mortgages
Key Lending Rates

Fees and charges apply

To keep things simple, the same type of fees and charges apply to all our mortgages.

See a detailed breakdown of fees and charges that may apply >