Specialist

Investec Mortgages

Looking to remortgage or buy a new property?

Speak to us today...

Compare Coutts Mortgages

Clifton private finance

As a specialist broker we can help you source a mortgage from Investec on residential and buy to let property transactions in the UK

We work with private banks including Investec that will look at your requirement on a bespoke basis.

We can offer you options providing:
The Mortgage Challenge:
For larger loan requirements, when it comes to mortgages over £1 million lenders will usually want to see a larger deposit.
Typically many high street lenders will cap lending at 70% to 75% LTV (loan to value) e.g. on a central London property for example priced at £5 million as a borrower you would be expected to deposit £1.25 million to progress the deal.
This can be a sticking point for clients who want to maintain cash liquidity but from an affordability perspective can easily afford to borrow at a high level.
Bespoke Solutions:
The good news is that we work with lenders that take a more bespoke approach to mortgage lending.
Bespoke lending based on a more informed approach to a client’s circumstances means we can put in place lending solutions which are tailored to a client’s needs.
For example many of our clients want to work on an interest only basis.
Typical high street lenders will often have caps on how much can be borrowed on large loans over £1 million restricting the interest only portion to anything from 50% to 75% LTV.
We work with banks such as Investec  that look at your full financial profile which means we can often source lending solutions that are purely bespoke.
Recent Case:
We were able to secure a 95% LTV mortgage on a £1.9 million property.
In this case we worked with a private bank who took a positive view on the client's future earnings prospects.
With just a 5% deposit the client borrowed £1.8 million with a blended rate on a 5 year fixed rate. £1 million was secured on a rate of 2.09% and the balance at 2.59%.
Call us on 0203 900 4322 to discuss your requirements.
Recent

Property Finance Deals

Large Mortgage Based on Share Portfolio Dividend Income
Large Mortgage Based on Share Portfolio Dividend Income
Area
Cheltenham
Capital Raised
£999k
Date
December 2024
High Loan-to-Income Ratio Mortgage For High Net Worth Client | Case Study
High Loan-to-Income Ratio Mortgage For High Net Worth Client
Area
London
Capital Raised
£1.5m
Date
September 2024
Fast Mortgage Secured Against Large Bonuses at Low Rate
Fast Mortgage Secured Against Large Bonuses at Low Rate
Area
London
Capital Raised
£2.4m
Date
July 2024

More Opportunities »

Large Mortgage Service

Private Bank Mortgage Service:

Our service provides creative solutions for large mortgage transactions. 
Call us on 0203 900 4322 to discuss your requirements.
What Our

Clients Say

Latest

Property Finance Deals & Insight

Getting a Remortgage with Bad Credit
Remortgaging is a standard part of your home-owning life, often used every few years to improve your deal, lower monthly mortgage ...
29-04-2025
Converting a House into Flats
In the current UK property and rental market there’s a strong argument for converting larger houses into smaller separate ho...
25-04-2025
Equity Release in Scotland
Equity release is a popular product for retired homeowners across the UK, with an increasing number of people enjoying a more fina...
25-04-2025
Product Transfer Mortgages
When your fixed-rate mortgage is coming to an end, your lender will usually offer you a replacement deal, known as a product trans...
25-04-2025
View More »
Get in Touch

If you have any questions about our services or want to start making things happen please contact us