Residential Mortgage Rates
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-Year Fixed | ROA | ROA | N/A |
| 5-Year Fixed | ROA | ROA | N/A |
| 2-Year Tracker | ROA | –% | –% |
| Standard Variable Rate (SVR) | Rate on application |
Buy-to-Let Mortgage Rates
Coutts does not offer buy-to-let mortgages through the broker channel.
Product Transfer Rates
| Product Transfer Type | Indicative Rate | Cashback via DBF |
|---|---|---|
| 2-Year Fixed Product Transfer | Rate on application | Cashback available |
| 5-Year Fixed Product Transfer | Rate on application | Cashback available |
About Coutts
Coutts is one of the UK's most prestigious private banks, with a history stretching back to 1692. Their mortgage proposition is exclusively for high-net-worth and ultra-high-net-worth individuals, typically requiring a minimum annual income or asset threshold for eligibility. Coutts provides bespoke lending solutions tailored to complex wealth structures, multi-property portfolios, and clients with significant but irregular income.
Coutts mortgage clients typically include entrepreneurs, senior executives, professionals with partnership income, and individuals with substantial asset wealth. All pricing is on application and reflects the holistic relationship banking model. Mortgage lending at Coutts is part of a wider wealth management relationship rather than a standalone product, and access is through their private banking team or specialist brokers with appropriate relationships.