Intermediary Hub

 

Designed for high net worth individuals, our mortgage offerings are customised to suit the unique needs of each client. We’ll draw on years of expertise, which means you’ll be able to respond quickly and find solutions to your clients’ complex financial demands. 

Let's talk

Let's talk

Peter Izard
Joe Websper
James Glynne-Percy
Maya Chandler
Victoria Burlison
Michael Corcoran

Peter Izard

Business development manager

Joe Websper

Business development manager

James Glynne-Percy

Business development manager

Maya Chandler

Business development manager

Victoria Burlison

Business development manager

Michael Corcoran

Business development manager

Our mortgage range

buy-to-let

Buy-to-let Mortgage

Our Buy-to-let Mortgage is focused on clients looking to buy or remortgage a residential investment property, it is a flexible and highly customisable solution which is not just based on rental cover.
 
The mortgage comes with bespoke terms, flexible rates and no assets under management required.
reseidential-mortgage

Residential Mortgage

If you’re looking for a mortgage on your own terms, our Residential Mortgage is built to be as unique as your client ensuring they get exactly what they need when it comes to buying or remortgaging their home.

We also offer flexible borrowing for Residential Mortgages, to find out more visit Revolving Mortgages.
 
Search our FAQs for more information on our entire mortgage range, or get in touch with one of our private bankers for expert help.

Client criteria

£300,000

Minimum yearly earnings required to qualify

£3m

Our clients typically have £3m in net assets

Why Investec

thought-leadership

Thought leadership

Expertise, insight and market updates. The essential information you need to help your clients make good decisions in complex financial conditions.
agreement

Building relationships

At Investec Private Bank we treat intermediaries like clients and focus on building long lasting relationships. These relationships focus on providing the best service for you and your client.
private-bank

Meeting client needs

We’re not your typical bank and we know your clients aren’t typical either. So every mortgage we offer is created with your client in mind, whether they’re remortgaging or purchasing a main residence, second home or investment property.

Case Studies

Investec has a trick up its sleeve for Magic Circle Partner's high LTV mortgage

A Partner at a Magic Circle law firm in London wished to buy a family home outside the capital. However, the client required a 90% LTV mortgage. Here's how we helped...

PE partner seeking flexibility

Paid via a regular salary, bonuses and carried interest – and sometimes in a foreign currency – private equity partners tend to have a complex income structure.

Property developer with ‘lumpy’ income

An irregular income might normally raise concerns with a high-street lender. But for property developers, a ‘lumpy’ income isn’t unusual. So what are their borrowing options?

Emigrating couple re-mortgage their home as a buy-to-let

A HNW couple moving abroad seek to re-mortgage their prime London property as a buy-to-let. But what if their earnings aren’t quite enough to support the size of the loan? What options do they have?

Investec offers supersize solution to celebrity mortgage conundrum

Even the highest-net-worth celebrities have to pass mortgage affordability tests, but these crucial financial assessments aren't designed with unique or unusual income profiles in mind.

Investec has a trick up its sleeve for Magic Circle Partner's high LTV mortgage

The client: a Partner at a Magic Circle law firm who intended to sell their existing property and purchase a family home outside London.

The challenge: the client's existing property was on the market but had not sold by the time they wanted to purchase their new home.

PE partner seeking flexibility

The client: A private equity partner whose income was a mix of salary, bonus and carried interest, all paid in euros.

The challenge: Our client had sold their current residence and was looking to purchase their next. They were expecting to receive a large amount of carried interest in the coming months, which they hoped to set aside to draw upon when needed, whether for tax bills or for future co-investment opportunities.

Property developer with ‘lumpy’ income

The client: We were approached by a commercial property developer whose income varied from year to year, as it was dependent on the completion of long-term projects.

The challenge: The client was looking to secure a 10-year, interest-only mortgage to purchase their main home at a loan to value of over 70%. This individual intended to repay the capital using profits generated by the completion of commercial projects; however, looking at their 2017 returns in isolation suggested that the client might not be able to support the size of loan.

Emigrating couple re-mortgage their home as a buy-to-let

The client: In this instance, a couple who owned a prime property in London planned to relocate to Africa. They were looking to re-mortgage their UK residence as a BTL property and raise some capital to replenish their liquidity.

The challenge: The property had not yet been let, and although the couple’s net asset value met Investec’s lending criteria, their earnings weren’t enough to support the size of the loan. Also, because the property was not yet let, the property was yet to show any return which could support the loan repayments.

Investec offers supersize solution to celebrity mortgage conundrum

Even the highest-net-worth celebrities have to pass mortgage affordability tests, but these crucial financial assessments aren't designed with unique or unusual income profiles in mind.

How did we assist a VIP borrower seeking a supersize mortgage that matched their superstar status?

The Broker Briefing: your monthly news source

Complex, clever, time poor. We’re talking about your clients – our speciality and the reason we’ve launched The Broker Briefing.

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