Investec reduces mortgage rates for HNW borrowers

Investec Bank plc, a leading international financial services provider, today announces a range of reductions across its high-net-worth mortgage products. The updates follow the recent Budget, which has delivered the policy certainty many high-net-worth borrowers were waiting for. With future tax measures now clearly outlined, much of the hesitation that delayed major property decisions has subsided, which may encourage buyers to return to the market.

Key changes include:

• Residential and BTL 2-Year Fixed Rates reduced by 20bps, now from 4.25% (Residential) and 4.65% (BTL)
• Residential and BTL 3- and 4-Year Fixed Rates reduced by 15bps, now from 4.30%
• Residential and BTL 5-Year Fixed Rates reduced by 5bps, now from 4.35%
• Residential and BTL 5-Year Tracker Rates reduced by 5bps, now from 0.75% + IBBR

The rate reductions particularly help brokers meet the needs of their clients with large or complex borrowing needs, where even small pricing adjustments can influence how a transaction is structured. The new rates broaden the options available to intermediaries, and Investec continues to work closely with them to provide the specialist expertise, responsiveness and tailored support required for high-net-worth clients.

Peter Izard, Head of Intermediary Business Development at Investec Bank, commented: “We are pleased to announce our latest rate reductions, introduced at a time when clarity is returning to the market and clients are increasingly ready to take advantage of improved conditions. These changes reflect our commitment to working closely with brokers, ensuring they have competitive pricing and the highest levels of support as their clients re-enter the market. Combined with our bespoke underwriting and speed of decision-making, these enhancements continue to deliver an out of the ordinary experience for both brokers and their clients.”

Investec offers a comprehensive range of residential and buy-to-let mortgages tailored to the needs of high-net-worth individuals. We provide loans of up to £10 million with flexible structures, including fixed and variable rates from two to five years and repayment options ranging from capital and interest to interest-only and part-and-part. Clients are assessed on their full financial profiles, not salary alone, and lending is available up to 95% loan-to-value.

For those looking to remortgage, Investec offers tailored solutions across both residential and buy-to-let markets, with no requirement for clients to hold an investment relationship with the bank. We remain focused on supporting brokers with competitive pricing, responsive service and products designed for complex, high-value borrowing needs.