Resource Centre

FAQs, documents and rates

Access the information and tools you need to provide your high net worth clients with a personalised mortgage solution. 

Important documents

Broker Documents

Client Documents

FAQs

Eligibility 

  • What if my client earns income in a foreign currency?

    We only lend in pounds sterling (GBP). We do consider applications from clients receiving income or holding assets in currencies other than GBP. We will also consider applications from clients who are not UK residents. For these purposes, we recognise all major global currencies.


    Your client should be aware that the equivalent value of the loan in their foreign currency could change, such that if the value of their foreign currency fell relative to GBP, then the equivalent value of their loan would increase. In that event, they may have difficulty affording their regular repayments, and the overall cost of their loan could increase significantly.

  • Does my client need to have a certain amount of net assets?

    Typically a minimum of £3m in net assets. Mortgages do not require any assets under management with Investec.

  • Are mortgages available to both UK residents and non-residents?

    Yes, depending on your clients’ individual circumstances.

  • First time buyer

    We are happy to consider applications from first time buyers. 

Mortgage

  • What are the minimum and maximum loan terms offered?

    In all cases, the exact rates and terms of the mortgage will depend upon your clients’ specific circumstances.

     

    To find out more about our specific products please see below:

    Owner-occupied Mortgages

    Buy-to-let Mortgages

    Revolving Mortgage

  • What is the maximum LTV Investec will offer?

    The LTV offered depends on your clients’ individual circumstances.

     

    Typically, the maximum LTV is as follows:

    Owner-occupier Mortgages: 95% (capital repayment) and 85% (interest-only)

    Self-build and renovation Mortgages: 60% of the total project cost

    Buy-to-let Mortgages: 70%

    Revolving Mortgages: 75%

  • What is the minimum amount my client can borrow?

    £250,000

  • What is the maximum amount my client can borrow?

    The maximum is dependent on the clients’ specific circumstances but we typically lend up to £10m, however, we may consider higher.

  • Do you offer split/part and part mortgages?

    Yes, we can offer a combination of parts that can accommodate different repayment types, terms and rates. Maximum we can do is 4 parts. 

  • Can my client choose to overpay?

    Tracker Mortgages: Unlimited overpayments are permitted. An early repayment charge may apply if the mortgage is paid in full.

     

    Fixed-rate Mortgages: Your client can overpay up to 10% per annum during the fixed-rate period without incurring an early repayment charge.

     

    Revolving Mortgages: Unlimited overpayments with no early repayment charge. 

     

    An early repayment charge will apply for overpayments that exceed the annual allowance, and an early repayment fee may apply if the mortgage is paid in full.

  • Location

    We only offer mortgages in England and Wales. 

  • Does Investec offer fixed-rate or tracker-rate mortgages?

    The exact rates and terms of the mortgage will depend upon your clients’ specific circumstances
     
    Owner-occupier mortgages: Fixed-rate (2-, 3-, 4-, 5- and 10-year) and tracker-rate mortgages are available
     
    Buy-to-let mortgages:     Fixed-rate (2-, 3-, 4-, 5- and 10-year) and tracker-rate mortgages are available

Fees and Rates

  • Early repayment charges

    Product Year Early repayment charge Details
    Variable (lifetime tracker) One and two 0.5%
    • Unlimited overpayments allowed within the ERC period
    • Full repayment within the ERC attracts a charge equivalent to the ERC against the original mortgage amount
    Product Year Early repayment charge Details
    Variable (lifetime tracker) One and two 0.5%
    • Unlimited overpayments allowed within the ERC period
    • Full repayment within the ERC attracts a charge equivalent to the ERC against the original mortgage amount
    Product Year Early repayment charge Details
    2 year fix         One 2%
    • Maximum overpayment without penalty is 10% of the anniversay mortgage balance
    • Overpayment allowance available at full redemption
    • Any amounts overpaid in excess of the annual allowance will attract the ERC for the relevant year
    Two   1%
    Product Year Early repayment charge Details
    2 year fix         One 2%
    • Maximum overpayment without penalty is 10% of the anniversay mortgage balance
    • Overpayment allowance available at full redemption
    • Any amounts overpaid in excess of the annual allowance will attract the ERC for the relevant year
    Two   1%
    Product Year Early repayment charge Details
    3 year fix         One 3%
    • Maximum overpayment without penalty is 10% of the anniversay mortgage balance
    • Overpayment allowance available at full redemption
    • Any amounts overpaid in excess of the annual allowance will attract the ERC for the relevant year
    Two   2%
    Three 1%
    Product Year Early repayment charge Details
    3 year fix         One 3%
    • Maximum overpayment without penalty is 10% of the anniversay mortgage balance
    • Overpayment allowance available at full redemption
    • Any amounts overpaid in excess of the annual allowance will attract the ERC for the relevant year
    Two   2%
    Three 1%
    Product Year Early repayment charge Details
    4 year fix         One 4%
    • Maximum overpayment without penalty is 10% of the anniversay mortgage balance
    • Overpayment allowance available at full redemption
    • Any amounts overpaid in excess of the annual allowance will attract the ERC for the relevant year
    Two   3%
    Three 2%
    Four 1%
    Product Year Early repayment charge Details
    4 year fix         One 4%
    • Maximum overpayment without penalty is 10% of the anniversay mortgage balance
    • Overpayment allowance available at full redemption
    • Any amounts overpaid in excess of the annual allowance will attract the ERC for the relevant year
    Two   3%
    Three 2%
    Four 1%
    Product Year Early repayment charge Details
    5 year fix         One 5%
    • Maximum overpayment without penalty is 10% of the anniversay mortgage balance
    • Overpayment allowance available at full redemption
    • Any amounts overpaid in excess of the annual allowance will attract the ERC for the relevant year
    Two   4%
    Three 3%
    Four 2%
    Five 1%
    Product Year Early repayment charge Details
    5 year fix         One 5%
    • Maximum overpayment without penalty is 10% of the anniversay mortgage balance
    • Overpayment allowance available at full redemption
    • Any amounts overpaid in excess of the annual allowance will attract the ERC for the relevant year
    Two   4%
    Three 3%
    Four 2%
    Five 1%
    Product Year Early repayment charge Details
    10 year fix         One, two and three 8%
    • Maximum overpayment without penalty is 10% of the anniversay mortgage balance
    • Overpayment allowance available at full redemption
    • Any amounts overpaid in excess of the annual allowance will attract the ERC for the relevant year
    Four 7%
    Five 6%
    Six 5%
    Seven 4%
    Eight 3%
    Nine 2%
    Ten 1%
    Product Year Early repayment charge Details
    10 year fix         One, two and three 8%
    • Maximum overpayment without penalty is 10% of the anniversay mortgage balance
    • Overpayment allowance available at full redemption
    • Any amounts overpaid in excess of the annual allowance will attract the ERC for the relevant year
    Four 7%
    Five 6%
    Six 5%
    Seven 4%
    Eight 3%
    Nine 2%
    Ten 1%

  • Is there an application fee?

    No, there is no application fee on any mortgage

  • What is the arrangement fee?

    Up to 1% of the loan amount is paid by your client, and half of this fee is paid to you. 

Ready to discuss your clients’ mortgage options?

To learn more about our mortgage offering, talk to a private banker or complete our callback form.

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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