Residential Mortgage

Private residential mortgages tailored to you

Couple standing looking out a window at home

If you’re looking for a mortgage on your own terms, our Residential mortgage is built to be as unique as you are. It combines clear features and full flexibility.

Residential mortgage requirements

£300k

Yearly earnings required to qualify

£3m

Net worth in order to be eligible
Your home 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, your way

No matter how complex your situation might seem, our Residential mortgage could be the perfect fit. Our straightforward application process lets you choose your repayment type, the length of your mortgage term, and the amount you borrow. With a choice of repayment types including interest only mortgages, capital & interest or a combination of both, find a residential mortgage to suit your financial needs. 

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Individual mortgage interest rates

We offer a selection of fixed and variable rates on our residential mortgages. The actual rate available to you will depend upon your individual circumstances. Ask us for a personalised illustration.

Investec Private Banking
No need to bank with us

You don’t need to have a portfolio of savings or investments with us to apply for an Investec Residential mortgage.

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Foreign currency income welcome

We also consider income derived in a foreign currency or currencies. 

Key features

Choice of terms and repayment types
Flexible borrowing amount
Borrow up to 85%
Make overpayments

Choice of terms and repayment types

You can choose how you repay your Residential mortgage. Your options include:

  • Interest only, capital & interest or a combination of both.
  • Term of up to 35 years with no minimum.

Flexible borrowing amount

The amount you can borrow is flexible and based on your individual circumstances – starting from £250,000. Please ask us for further details.

Borrow up to 85%

You can borrow up to 85% of the property value. We may even consider a higher percentage.

Make overpayments

You also have the freedom to make overpayments.

Please note: an early repayment charge may apply.

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 >

Residential mortgage requirements

Property location

Investec Private Bank residential mortgages are only available for residential properties in England or Wales.

Residency

The Residential mortgage is primarily available to UK residents.

However, if you live, work or are domiciled overseas, it doesn’t have to be a barrier to applying for a mortgage in the UK. If you call the UK home you can still benefit from the same flexible mortgage service that makes us a fresh alternative.

Talk to a private banker about your borrowing requirements

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