Investec cuts variable mortgage rates across residential and BTL product range

Investec Bank plc, a leading international financial services provider, today announces a range of reductions to its high net worth mortgage tracker rates, with cuts of up to 58bps for selected products.

Key changes include:



• Tracker mortgages:
  • Two-year variable 85% and 90% LVT reduced by 30bps
  • Five-year variable 85% and 90% LTV reduced by 58bps
• BTL Mortgages:
  • Five-year variable 70% LTV reduced by 42bps

Peter Izard, Head of Intermediary Business Development at Investec Bank, commented:

 “We are pleased to announce our latest reductions, which follow our recent cuts to residential mortgage fees and cap on arrangement fees. These changes demonstrate our commitment to listening to our brokers and continuously seeking ways to enhance our offerings. As a result of these reductions, we are now even more competitive in the market. These enhancements not only complement our high levels of service and speedy decision-making but also deliver an out of the ordinary experience for both brokers and their clients.”

Investec recently announced reductions in residential mortgage fees from 1.00% to 0.50% as well as a cap on arrangement fees for owner-occupiers.

As a result of these changes the following fees apply:

• Residential mortgage arrangement fees:
  • Reduced from 1.00% to 0.50%
• Self-Build arrangement fees:
  • Reduced from 1.50% to 1.00%
• Arrangement fee cap:
  • Now capped at £50,000 for owner-occupied, £75,000 for self-build

Investec offers a comprehensive range of residential mortgages designed to meet the unique needs of clients. We provide loans of up to £10 million with flexible terms, including fixed and variable rates for 2 to 5 years. Repayment options include capital and interest, interest-only, and part and part, with terms extending up to 35 years. Importantly, we consider clients' full financial profiles—not just salaries—allowing for up to 95% loan-to-value in some cases.

For those looking to remortgage, Investec has tailored solutions for both buy-to-let and residential properties, and clients do not need to have an investment portfolio with the bank to apply. We continually evaluate how we can better serve our brokers and their clients, ensuring our rates complement our high levels of service and speed of delivery.