Mortgage Rates

Investec Mortgage Rates - October 2026

Current Investec residential, buy-to-let and product transfer rates, reviewed monthly. Compare against the whole market through DBF - whole-of-market broker, FCA 814533.

Next review: November 2026

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Investec mortgage

DBF Product Transfer System

If you decide to stay with Investec at renewal, we process your product transfer through our dedicated system - faster than applying direct in many cases, with all paperwork handled on your behalf.

Cashback on like-for-like deals

Eligible clients who stay with their existing lender on a like-for-like product transfer can receive cashback - an incentive not available when applying direct. Ask us about eligibility.

We compare the whole market first - and if Investec is still the best option, we make the process faster and more rewarding. Get a free comparison or call 0204 6211776.

Whole-of-market mortgage comparison
No upfront fees on advice
Product transfer system for faster renewals
Cashback available on eligible like-for-like deals
FCA authorised 814533

Residential Mortgage Rates

Illustrative rates - reviewed October 2026. Subject to change. For accuracy, get a personalised quote.
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

Investec does not offer buy-to-let mortgages through the broker channel.

Product Transfer Rates

Product transfer rates are typically 0.1–0.2% below equivalent new deal rates. Cashback available on eligible like-for-like transfers through DBF.
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 Investec

Investec Private Bank is a South African-headquartered international bank with a strong UK private banking and specialist lending presence. Their mortgage offering targets high-net-worth individuals, entrepreneurs, corporate executives and professionals with complex financial structures. All lending is bespoke, manually underwritten, and designed to accommodate income complexity that standard lenders cannot handle.

Investec is particularly known for large loan mortgages (typically £1m+), multi-property financing, and loans to business owners where the business and personal balance sheet are interlinked. Their underwriting considers the full wealth picture and can structure lending against investment portfolios, business assets and future income potential. Access is through their private banking team or specialist intermediaries.

Get a quote 0204 6211776

Same working day

Get your Investec rate comparison

Tell us about your mortgage and we will compare Investec's current rates against the whole market - free, fast and with no obligation.

0204 6211776

Whole of market · 130+ lenders · FCA 814533 · Same working day response

FAQs

Frequently asked questions

What is Investec's best mortgage rate in October 2026?

Investec operates on a rates-on-application basis. Pricing is individually negotiated and reflects the holistic private banking relationship and the client's full financial position. Contact DBF to assess whether Investec is the right route for your situation.

Can I get cashback on a Investec product transfer?

Yes - through Doulton Bridging Finance. Eligible clients renewing with Investec on a like-for-like product transfer can receive cashback when processed via DBF. This is not available when applying direct to Investec.

Is it faster to renew my Investec mortgage through a broker?

DBF's product transfer system can process Investec renewals faster than applying direct in many cases. We handle all paperwork and submission on your behalf and compare the whole market first to confirm Investec remains competitive.

What is Investec's SVR in October 2026?

Investec does not publish a standard SVR. Revert rates are agreed individually as part of the bespoke lending arrangement. Customers who don't act when their fixed term ends revert to this rate. Contact DBF before your deal expires to compare alternatives.

Investec mortgages All lender mortgage rates Remortgage What is a product transfer?