The borrower

We recently worked with a Private Equity partner who relocated to the UK in 2018 with his family. He had a complex income structure consisting of a salary, profit distributions and carry with much of his remuneration paid overseas in US Dollars. The client also held a large amount of invested assets and holdings in private equity, mostly within the US.


The problem

The client wanted to buy a countryside property in Oxfordshire and needed a mortgage that allowed him to retain his investment strategy while making flexible repayments.

The property was unusual as it was set on a large estate with outbuildings. The valuation was approximately £7m.

The client had been offered an interest-only mortgage at 75% loan-to-vale (LTV) with his existing bank, but the repayment terms required amortization to 65% over time. He was looking to maintain a high residual mortgage balance for the duration of the term with the ability to self-manage his repayments in line with his income pattern.


The solution

Investec is able to assess each case on its own merits. As our team is experienced in working with private equity professionals and foreign currency income, we were able to provide a 75% interest-only mortgage for a 10-year term with no mandatory overpayments. We considered the client’s wealth holistically and worked quickly with our integrated credit team to help the client and his family secure their new home.


Get in touch

If you're a mortgage broker and want to discuss how we can help your clients with their mortgage, contact us.

It all starts with a conversation

If you're a mortgage broker and want to discuss how we can help your high-net-worth clients (minimum income £300,000) with their mortgage, fill out your details below and we'll get in touch.

We'd like to keep you up-to-date with relevant news, events and information from our team. For further details on how we use personal data, please take a look at our Data Protection Notice


Please complete all required fields before sending.

Thank you

A member of the team will be in touch shortly

Sorry there seems to be a technical issue



Further information for mortgage brokers

Mortgage rates

Our latest rates and details on early repayment charges, valuation fees and solicitors fees.

Mortgage broker hub

Our dedicated hub for mortgage intermediaries.

Client application forms

Application forms and key documents for your clients to complete.



Important information

Your property may be repossessed if you do not keep up repayments on your mortgage. Investec residential mortgages are only available for residential properties in England or Wales and are primarily available to UK residents and subject to eligibility.