For high-net-worth individuals


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

Row of terraced houses along a cobble street



Our mortgages are built around your needs. How much you can borrow is based on your full financial profile, no matter how complicated.


Client eligibility

  • Minimum yearly earnings of £300k
  • Minimum net worth of £3m
  • UK or South African resident

Interested in remortgaging your property?

We offer remortgages for both buy-to-let and residential properties, tailored to meet our clients' needs, whether it's replacing an existing mortgage or obtaining a loan against their property. You don't need to have a savings or investment portfolio with us to apply for a remortgage.

Find out more about remortgaging with Investec

High LTV

As we can consider more of your income in affordability calculations, we may be able to offer a higher loan amount than standard.

Complex income

We look at your income profile holistically, considering more than just a basic salary. When making a lending decision, we can take into account bonuses, carried interest, or income from profit shares.


Our relationship-led approach and in-house specialists mean we have been known to provide a lending decision and loan amount within days. 

What to expect

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.


Applying for an Investec Private Banking mortgage with advice

You can get advice from one of our qualified mortgage advisers to understand your circumstances and recommend a suitable product.  We can do this at your office, at ours or on a call.

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.

Ready to discuss your mortgage options?

If you earn a minimum of £300,000 a year, have a minimum net worth 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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Carlos Mendes
Carlos Mendes, Private Banker

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

Quick links

Mortgage tariffs

Find out more about the mortgage fees and charges that may apply depending on your circumstances.

Key lending rates

Get the latest rates. Our rates change in line with market movements.

Help and support

Find the right answers quickly on how to manage your mortgage and more.



  • Concerned about paying your mortgage?

    If you are worried about making your mortgage payments, then please click here for more details of how we may be able to help you. Just talking to us about your circumstances and options will not affect your credit score.

    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 020 7597 4988 and we will contact your private banker to arrange a call back.

Discover more about the Wealth Management services offered by Investec Wealth & Investment (UK), part of Rathbones Group.