Buy-to-let Mortgage

For clients looking to buy or remortgage a residential investment property, our Buy-to-let Mortgage is a flexible and highly customisable solution which is not just based on rental cover.

 
There is no requirement to have any assets under our management to apply for a mortgage.

Features and benefits

Commission fees and charges

Flexible assessment

Our Buy-to-let Mortgage is custom-built, and takes into account your clients’ income and assets, not just the mortgaged property or the income your client will generate from it.
Commission fees and charges

Foreign currency incomes welcome

We consider incomes earned in a foreign currency or currencies, making the process simpler for your clients who receive income from overseas.
Commission fees and charges
Interest rate

Investing in bricks and mortar

If your client wants to diversify their assets, we can help with an investment mortgage that reflects their individual needs. We offer repayment and interest-only mortgages.
 
Commission fees and charges

Individual bespoke solutions

Our rates can be fixed or variable, depending on your clients’ individual circumstances, and we have a broad selection to choose from. Get an answer for them quickly by asking us for a personalised illustration.
 
Commission fees and charges

Client criteria

£300,000

Minimum yearly earnings required to qualify

£3m

Net worth in order to be eligible

 
Not sure if your client is eligible? Search our FAQs for more information on our entire mortgage range, or get in touch with one of our private bankers for expert help.

Need-to-know for our Buy-to-Let Mortgage

  • Choice of terms and repayment types

    We can offer repayment and interest-only mortgages, or a combination of both.
     
    Terms of up to 15 years with no minimum.
  • Minimum borrowing amount

    The amount your client can borrow is flexible, based on their individual circumstances – starting from £250,000.
     
    Please ask us for further details.
  • Borrow up to 70%

    With our repayment and interest-only mortgages, your clients can borrow up to 70% of the property value.
  • Rates and overpayments

    We offer fixed and variable rates. We also accept overpayments, fees may apply.

Need-to-know for our Buy-to-Let Mortgage

Choice of terms and repayment types
Minimum borrowing amount
Borrow up to 70%
Rates and overpayments

We can offer repayment and interest-only mortgages, or a combination of both.
 
Terms of up to 15 years with no minimum.

The amount your client can borrow is flexible, based on their individual circumstances – starting from £250,000.
 
Please ask us for further details.

With our repayment and interest-only mortgages, your clients can borrow up to 70% of the property value.

We offer fixed and variable rates. We also accept overpayments, fees may apply.

Important Information

 
Property location
Investec Private Bank mortgages are currently only available for residential properties in England and Wales.
Residency
Our Buy-to-let Mortgage is primarily available to UK residents. However, if you live, work or are domiciled overseas, it doesn’t have to be a barrier to applying for a mortgage in the UK. If you call the UK home you can still benefit from the same flexible mortgage service that makes us a fresh alternative.

Are you an Investec client in South Africa?
Our Buy-to-let Mortgage also enables qualifying Investec Wealth & Investment and Private Banking clients in South Africa to buy residential property as an investment in the UK.
No assets under our management needed
You don’t need to be an existing Investec client, or have assets under management with us to take out our Buy-to-let Mortgage. 

Get a personalised illustration