What type of mortgages does Investec offer?

What type of mortgages does Investec offer?

 

Investec is one of the UK’s best-known private banks for high-net-worth mortgage clients, particularly borrowers with complex income, large loans, foreign currency earnings, bonuses, carried interest, investment income or significant assets.

The bank provides bespoke residential mortgages, buy-to-let mortgages, revolving mortgages and self-build mortgages. It can also consider large remortgages where clients want to refinance, raise capital, restructure borrowing or access liquidity tied up in a property.

Investec is not a mass-market mortgage lender. It is better suited to wealthy borrowers, senior, higher-earning professionals, successful entrepreneurs, private equity executives, finance professionals, international clients, and those who need a more tailored underwriting approach than a standard high-street bank can provide.

What types of Investec mortgages are available?

Mortgage type	How it can help
Residential mortgages	For buying or remortgaging a main home, often with larger loan sizes and more complex affordability.
Interest-only mortgages	Useful for high earners or wealthy clients with credible repayment strategies, investments, bonuses, business sale proceeds or other assets.
Part-and-part mortgages	A mixture of capital repayment and interest-only borrowing, often used to control monthly payments while reducing some of the mortgage balance.
Buy-to-let mortgages	For clients buying or remortgaging residential investment properties, with underwriting that can look beyond basic rental cover.
Revolving mortgages	Secured against the main residence and designed to give clients access to funds up to an agreed limit.
Self-build mortgages	Structured to help fund the build period before moving onto a standard mortgage product after completion.
Remortgages and capital raising	Useful for clients who want to refinance existing borrowing, release money for liquidity, investments or business purposes.

 

Why would you use Investec for a mortgage?

Borrowers may want to use Investec when their situation does not fit a standard lender’s tick-box criteria. Many high-street banks focus heavily on payslips, basic salary, standard bonuses, simple affordability calculators and straightforward property types.

Investec can be more useful when the client’s wealth and income are more complex, especially with a smaller deposit. This might include private equity income, carried interest, deferred bonuses, stock awards, income paid in foreign currency, investment portfolios, business ownership, property assets or income that is lumpy rather than regular.

The lender’s case studies show it can take a broader view of the client’s overall financial position, including assets, liquidity, income sustainability and the wider wealth profile. This can be particularly helpful for high-net-worth borrowers who have strong finances but do not look simple on paper.

Aaron Strutt, product director at Trinity Financial, says: “Investec can be a very useful lender for higher earners and high-net-worth clients, private equity professionals, entrepreneurs and city workers with more complicated income. The key to getting the mortgage agreed is presenting the application properly to the bank and explaining how the income, assets and repayment strategy fit together.”

What type of clients does Investec issue mortgages to?

Investec is particularly active in the high-net-worth mortgage market. Typical clients include:

• Private equity professionals

• Investment bankers

• Fund managers

• Lawyers and partners at professional services firms

• Entrepreneurs and business owners

• Senior executives and managing directors

• International clients relocating to the UK

• Clients with foreign currency income or overseas assets

• Property investors

• Clients requiring £1 million-plus mortgages

• Borrowers wanting interest-only or part-and-part mortgage structures

Investec's eligibility criteria state that clients generally need a minimum yearly earnings of £300,000 and a minimum net worth of £3 million. The property must also fit Investec’s lending policy, although it can lend on all types of properties, from prime country houses to properties in Mayfair.

Investec mortgage case study examples

15% deposit mortgage for private equity professionals

Investec recently helped two private equity professionals buy a family home in East London. The clients needed to exchange within four weeks and required a high-value loan of around £5.5 million.

Their income was not straightforward. It included salary paid in quarterly instalments, performance-related bonus income, and a limited dividend history, as one of the clients had recently joined a new fund. They also held cash offshore and had foreign currency and tax considerations.

Investec assessed the clients’ salary and bonus income while taking a prudent view on dividends. It provided a 15% deposit mortgage facility, structured in two parts, including a 20-year term to support cash flow.

This example shows why private banks can be useful for private equity borrowers. The clients had strong financial profiles, but a standard mortgage lender may have struggled with the irregular income, offshore assets and speed required.

£3 million mortgage for city professionals relocating to the UK

Investec also supported a high-net-worth couple relocating from the US to buy a luxury family home in North London. The clients had income and investment assets in US dollars, so the lender needed to verify overseas assets, assess sustainable sterling affordability and allow for foreign exchange risk.

Investec provided a £3 million mortgage as the buyers had a 45% deposit and Investec issued a mortgage on a six-year interest-only basis. The bank applied an appropriate foreign exchange haircut to account for currency volatility.

This type of case is a good example of a situation where Investec may suit international professionals moving to the UK, particularly when income, assets, and investments are held overseas.

£5 million remortgage for a high-net-worth entrepreneur

Investec also arranged a £5 million remortgage for a high-net-worth entrepreneur with a complex wealth profile. The client’s liquidity was spread across cash reserves, property development, investments and shareholdings.

They wanted to refinance an existing mortgage on their main residence and raise additional capital after making significant cash commitments elsewhere. The mortgage was split between a term loan and a revolving facility, giving the client both stability and flexibility.

This case highlights how Investec can help wealthy borrowers who are asset-rich but may have complex liquidity, business or investment arrangements.

Is Investec better than a high-street mortgage lender?

Investec is not always better than a high-street lender. Some clients will get cheaper rates or simpler approval from mainstream lenders such as HSBC, Barclays, Santander, Halifax, Nationwide or NatWest, especially if they have straightforward income and a standard mortgage requirement.

Investec may be more suitable when the mortgage is large, the income is complex, the borrower needs interest-only lending, the property transaction is time-sensitive or the client wants a private banking-style assessment.

High-street banks can be excellent for employed borrowers with clean payslips and simple bonus income. Investec is often more useful when the case needs an underwriter to understand the whole financial picture.

Pros and cons of using Investec for a mortgage

Pros	Cons
Strong for high-net-worth clients	Not suitable for every borrower
Consistantly considers complex income	Minimum earnings and net worth requirements apply
Useful for large mortgage loans	Rates may not always beat mainstream lenders
Can consider interest-only and part-and-part structures	Cases usually need detailed packaging
Helpful for private equity, entrepreneurs and city professionals	Borrowers need to meet private bank criteria
Can look at assets and wider wealth position	Not designed for low-value mortgages

 

How Trinity Financial helps clients apply to Investec

Trinity Financial’s brokers regularly help high-net-worth borrowers, private equity professionals, entrepreneurs, city workers and international clients arrange large mortgages. The key is knowing which lenders are likely to understand the client’s income and how to package the application properly.

For Investec cases, this can mean clearly presenting salary, bonus, carried interest, investment income, foreign currency income, business ownership, liquidity, assets and the proposed repayment strategy. This is particularly important for interest-only mortgages or large loans where the lender wants comfort that the borrowing is affordable and sustainable.

Trinity Financial’s brokers can compare Investec with private banks and mainstream lenders to work out which option is most suitable. In some cases, Investec may provide the most flexible structure. In others, a high-street bank may offer a better rate or simpler route to approval.

Who should consider an Investec mortgage?

An Investec mortgage may be worth considering if you:

• Earn more than £300,000 a year

• Have a net worth of £3 million or more

• Need a mortgage of £1 million or more

• Have complex or irregular income

• Receive large bonuses, carried interest or deferred compensation

• Are a private equity, finance, legal or senior corporate professional

• Are an entrepreneur or business owner

• Want an interest-only or part-and-part mortgage

• Need a bespoke large-loan mortgage

• Have overseas assets or foreign currency income

• Want to raise capital or restructure an existing mortgage

Speak to Trinity Financial about Investec mortgages

Investec can be an excellent option for high-net-worth borrowers who need a more flexible mortgage lender. It is particularly strong for clients with complex income, substantial assets, large borrowing requirements and non-standard financial profiles.

Call Trinity Financial on 020 7016 0790 to secure a large fixed or tracker rate mortgage, book a consultation, or use our appointment calendar

The information contained within was correct at the time of publication but is subject to change. It is for general information purposes and is not advice.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage