Residential Mortgage

Because every client is different, our Residential Mortgage can be customised, ensuring your client gets exactly what they need when it comes to buying or remortgaging their home.

 
 

Features and benefits

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Bespoke terms for your client

We understand that your clients have unique circumstances, and that’s why we’ve made it simple to choose a repayment type, the length of term and the borrowing amount.

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Individual, flexible solutions

Our rates can be fixed or variable, depending on your clients’ individual circumstances, and we have an broad selection to choose from. Ask us for a customised quote.

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Investec Private Banking

No AUM requirement

It’s easier than you think to take out a mortgage with us. Your client doesn't need to have a portfolio of savings or investments with us to apply for an Investec Residential Mortgage.

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.

Want to know more?

Need-to-know Investec Residential Mortgage

  • Choice of terms and repayment types

    Your client can choose how you repay your Residential Mortgage. Options include:
     
    • Interest-only, capital and interest or a combination of both.        
    • Term of up to 35 years for capital and repayment.
    • Term of up to 25 years for interest-only. 

  • Flexible borrowing amount

    Flexible options on how your client can repay their Residential Mortgage, including a Revolving Mortgage. Please ask us for further details.
     
    Minimum amount your client can borrow £250,000 and we typically lend up to £10m, however, we may consider higher.
     

  • Borrow up to 95%

    Your clients can borrow up to 95% of the property value depending on your client’s circumstances.
    For interest-only mortgages we have an LTV limit of 85%.

  • Rates and overpayments

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

Need-to-know Investec Residential Mortgage

Choice of terms and repayment types
Flexible borrowing amount
Borrow up to 95%
Rates and overpayments

Your client can choose how you repay your Residential Mortgage. Options include:
 
  • Interest-only, capital and interest or a combination of both.        
  • Term of up to 35 years for capital and repayment.
  • Term of up to 25 years for interest-only. 

Flexible options on how your client can repay their Residential Mortgage, including a Revolving Mortgage. Please ask us for further details.
 
Minimum amount your client can borrow £250,000 and we typically lend up to £10m, however, we may consider higher.
 

Your clients can borrow up to 95% of the property value depending on your client’s circumstances.
For interest-only mortgages we have an LTV limit of 85%.

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

Important Information

Property location
The Investec Private Bank Residential Mortgages is only available for residential properties in England or Wales.
Residency
The Residential 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.

Ready to discuss your clients’ mortgage options?

If your client has an existing mortgage with us or is ready to switch their mortgage to Investec, you can ask our dedicated team of private bankers for help and guidance.

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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