Residential Mortgage

For Intermediaries

Main residence mortgage
Main residence mortgage

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


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 criteria


Minimum yearly earnings required to qualify

UK resident

If a non UK resident you can contact one of our business development managers

Features and benefits

Choice of terms and repayment types
  • Interest-only, capital and interest, or a mixture of both (up to 4 parts)

  • Term of up to 35 years for capital and interest repayment

  • Terms of up to 25 years for interest-only

  • Term of up to 2 years for build-to-own

Flexible borrowing amount
  • Flexible repayment options including a Revolving Mortgage

  • Minimum amount your clients can borrow is £250,000

  • We typically lend up to £10m and we may consider higher

Borrow up to 95% LTV
  • Borrow up to 95% of the property value depending on client circumstances

  • 85% LTV on interest-only mortgages

Rates and overpayments
  • Fixed rates available for 2,3,4,5 and 10 years.

  • Lifetime variable rate is also available

  • We also accept overpayments (fees may apply)


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.

Important Information

Property location

Residential Mortgages are only available for residential properties in England or Wales.


Our mortagages are primarily available to UK residents.

However, if your client lives, works 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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