Mortgage rates and charges
For mortgage brokers only
Find your rate
Discover the interest rates on mortgages available to your high-net-worth clients with an annual income in excess of £300k and UK residency.
Please note the rates quoted are correct as at 9 January 2024 and are subject to variation.
Residential mortgage rates
Our residential mortgage for your client's main residence, second and holiday homes. For use by mortgage intermediaries only.
| Tracker mortgages | Fixed mortgages | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| 2 years | 5 years | Lifetime | 2 years | 3 years | 4 years | 5 years | Reversion rate (NA for Lifetime Tracker) | ||
| LTV up to | 65% | 0.94% + IBBR | 1.38% + IBBR | 1.85% + IBBR | 5.34% | 5.13% | 5.06% | 5.06% | 2.52% + IBBR |
| 75% | 1.04% + IBBR | 1.48% + IBBR | 1.95% + IBBR | 5.44% | 5.23% | 5.16% | 5.16% | 2.62% + IBBR | |
| 80% | 1.14% + IBBR | 1.58% + IBBR | 2.05% + IBBR | 5.54% | 5.33% | 5.26% | 5.26% | 2.72% + IBBR | |
| 85% | 1.24% + IBBR | 1.68% + IBBR | 2.15% + IBBR | 5.64% | 5.43% | 5.36% | 5.36% | 2.82% + IBBR | |
| 90% | 1.44% + IBBR | 1.88% + IBBR | 2.35% + IBBR | 5.84% | 5.63% | 5.56% | 5.56% | 3.02% + IBBR | |
| 95% | 1.74% + IBBR | 2.18% + IBBR | 2.65% + IBBR | 6.14% | 5.93% | 5.86% | 5.86% | 3.32% + IBBR | |
IBBR is Investec Bank’s Base Rate. To see the current IBBR, please visit our Key Lending Rates webpage. Early Repayment Charges may apply.
Revolving mortgage rates
Our revolving mortgage gives your client the borrowing power of a mortgage with added flexibility. For use by mortgage intermediaries only.
| Tracker mortgages | ||
|---|---|---|
| Lifetime (max term 9 years) | ||
| LTV up to | 60% | 2.45% + BOE |
| 70% | 2.55% + BOE | |
| 75% | 2.65% + BOE | |
BOE is the Bank of England base rate, which can be found on their website. Early Repayment Charges may apply.
Buy-to-let mortgage rates
Our buy-to-let mortgage is custom-built and considers your client's income and wealth, not simply the value of the mortgaged property or the income it generates. For use by mortgage intermediaries only.
| Tracker mortgages | Fixed mortgages | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| 2 years | 5 years | Lifetime | 2 years | 3 years | 4 years | 5 years | Reversion rate (NA for Lifetime Tracker) | ||
| LTV up to | 70% | 1.39% + IBBR | 1.83% + IBBR | 2.30% + IBBR | 5.79% | 5.58% | 5.51% | 5.51% | 2.97% + IBBR |
IBBR is Investec Bank’s Base Rate. To see the current IBBR, please visit our Key Lending Rates webpage. Early Repayment Charges may apply.
Self-build mortgage rates
Our self-build mortgage is structured around your client's initial build period followed by a standard mortgage product. For use by mortgage intermediaries only.
| Tracker mortgages | ||
|---|---|---|
| Lifetime | ||
| LTV up to | 70% | 3.75% + IBBR |
IBBR is Investec Bank’s Base Rate. To see the current IBBR, please visit our Key Lending Rates webpage. Early Repayment Charges may apply.
Get in touch
If you're a mortgage broker and want to discuss how we can help your clients (minimum income £300,000) with their mortgage, contact us.
Early repayment charges
An early repayment charge may apply if your client overpays more than their mortgage terms allow, they switch mortgage product or lender during a fixed rate period or they repay their mortgage in full or in part before the mortgage term ends.
| Tracker mortgages | Fixed mortgages | ||||||
|---|---|---|---|---|---|---|---|
| 2 years | 5 years | Lifetime | 2 years | 3 years | 4 years | 5 years | |
| Year one | 0.50% BTL only | 0.50% BTL only | 0.50% BTL only | 2% | 3% | 4% | 5% |
| Year two | 1% | 2% | 3% | 4% | |||
| Year three | 1% | 2% | 3% | ||||
| Year four | 1% | 2% | |||||
| Year five | 1% | ||||||