Our residential mortgage range provides bespoke products, combining clear features and flexibility for even the most complex situations. Our broad range of repayment and rate types can be secured against multiple securities.

Client eligibility

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


Lending of up to £5 million

Range of terms

  • Fixed rates are available for 2, 3, 4 and 5 years
  • 2 year, 5 year and lifetime tracker rate also available
  • Term of up to 35 years for capital and interest repayment
  • Term of up to 25 years for interest-only and part and part

Repayments on your terms

  • Interest-only capital and interest, part and part (maximum 4 parts) or low start (a mortgage which is interest-only for a fixed period at the outset before converting to capital & interest)
  • We also accept overpayments (charges may apply)


Flexible borrowing amount

  • Flexible repayment options including a revolving mortgage 
  • The minimum amount you can borrow is £1m 
  • We typically lend up to £5m and we may consider higher

High Loan-to-Value

  • At Investec, we can look at your income profile holistically, considering more than just a basic salary in our mortgage affordability calculations
  • We can, in some cases, offer up to 95% loan-to-value
  • Our integrated credit team enables us to move at speed

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 >

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

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, don’t hesitate to 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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Important information

Property location

Residential mortgages are only available for residential properties in England or Wales.


Our mortgages are available to UK and South African residents only.


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



Consumer duty

Residential mortgage product information sheet PDF 418.61 KB