Personal finance
Customised financing solutions designed for your mortgage, loan, and private capital requirements. We will create a lending option that meets your specific needs, whether you're looking to secure a mortgage or leverage your current investments.
Whether you’re looking to buy a house, unlock equity in your current home or borrow against your existing investments, we’ll build a lending solution that’s flexible and convenient and designed around you.
Client eligibility
- Minimum yearly earnings of £300k
- Minimum net worth of £3m
- UK resident
What we offer
Mortgages
We understand that your mortgage needs to take into account your full financial position. By assessing each application personally, we can see the full picture, including bonuses, carried interest and company cash flow. We like to think that no income structure is ever too complicated.
Portfolio loans
For times when you need some additional liquidity, our portfolio lending service is a convenient way to borrow in the short to medium term. We recommend you consult the Rathbones Investment Management Limited team.
Offshore loans
If you’re a UK resident who is non UK domiciled, your finances can be more complicated, with both onshore and offshore needs. To make things simple, we provide a full range of services through our Channel Islands and London offices to meet your offshore requirements.
Private capital
Do you need capital for your business to optimise its growth potential? Achieving business and personal ambition is important to our entrepreneurial clients. Investec Private Capital offers a flexible approach to providing complete capital solution for entrepreneurs.
Our clients are at the very heart of our business. It helps us provide people like you with a bespoke lending service that reflects your circumstances.
The service you receive goes beyond your mortgage and loan requirements. We make it our business to understand your financial needs fully.
Speak to a private banker about our lending options
If you earn a minimum of £300k a year, have a net worth of over £3m and want an exceptional private banking service that is designed to suit your individual needs, get in touch.
Discover our award-winning Private bank offering. Our expert team will be able to give you a complete picture of where you are now and where you can go in future.
We provide a range of notice and same-day access choices to meet your cash management needs, regardless of whether they are for the short, medium or long term.
Wealth management services are available through our long-term strategic partner, Rathbones.
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Who we work with
Find out about how we can support you in your capacity as an individual, business owner, professional and international client.
Meet the team
You are an individual. That’s why a personalised service is a necessity for you. That’s why our dedicated private banking team is at the heart of the service we provide you.
Client stories
At Investec Private Bank we provide financial services tailored to the needs of our clients. Now, more than ever, you need a partner who understands your individual goals and circumstances.
Discover more