For high-net-worth individuals

Residential Mortgages

Work with our private bankers to secure your dream home

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

Benefits

Lending of up to £10 million

Range of terms

Fixed rates are available for 2, 3, 4 and 5 years
Variable rates are available for 2 and 5 years
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 £10m 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.

Want to discuss your mortgage options?

If you earn a minimum of £300,000 a year, and have a minimum net worth of £3m don’t hesitate to get in touch to be directed to accordingly.

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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.

Residency

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

Repossessions

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

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