Mortgages

Investec Mortgages

Private bank mortgage solutions for high-net-worth individuals. Complex income accepted, large loans available, and bespoke structuring from one of the UK's premier private banks.

Private Bank Specialist

High-net-worth lending, personally delivered

Investec is a specialist private bank that serves high-net-worth individuals, entrepreneurs, and professionals with complex financial lives. Their mortgage proposition goes well beyond what high street lenders can offer, with individually assessed applications and flexible underwriting criteria.

Through Doulton Bridging Finance, you gain direct access to Investec's private client lending team. We present your case with the detail and context needed to secure optimal terms, whether you are purchasing a prime London residence, a country estate, or expanding your investment portfolio.

£1m+

Typical Loan Size

HNW

Client Focus

Bespoke

Rate Pricing

1974

Established

Why Doulton

Access Investec's private bank lending

Private Bank Expertise

Investec is one of the UK's leading private banks, offering mortgage solutions designed for high-net-worth clients with sophisticated financial profiles and substantial property portfolios.

Complex Income Assessment

Investec excels at assessing complex income structures including bonuses, dividends, share options, trust distributions, and overseas earnings to maximise your borrowing capacity.

Large Loan Capability

With no practical upper limit on loan size, Investec is well suited to high-value property purchases where mainstream lenders cannot compete on either amount or flexibility.

Portfolio Landlord Solutions

Experienced portfolio landlords benefit from Investec's understanding of rental income, corporate structures, and the nuances of managing multiple investment properties.

Bespoke Rate Structuring

Each mortgage is individually priced and structured. Investec offers flexibility on term length, repayment method, and rate type to match your financial planning objectives.

Dedicated Relationship Manager

Investec clients receive a named relationship manager who understands their full financial picture and can act quickly when opportunities arise in the property market.

The Process

How it works

Initial Consultation

We assess your financial profile, property goals, and borrowing requirements to determine whether Investec is the best fit among our private bank panel.

Case Presentation

We present your case directly to Investec's private client team, highlighting the strengths of your application to secure the most competitive terms available.

Underwriting and Valuation

Investec's specialist underwriters review your application while we coordinate the property valuation and manage the process from submission to formal offer.

Completion

We work alongside your solicitor and Investec's legal team to ensure a smooth completion, keeping you informed at every stage of the process.

Explore Investec mortgage options

Let our team connect you with Investec's private bank lending. We handle the entire process from initial consultation to completion.

Get a Quote Book a Consultation

FAQs

Frequently asked questions

Can I get a Investec mortgage through Doulton?

Yes. We hold broker agencies with Investec where available and can access their intermediary product range. Where Investec is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Investec via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Investec cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Investec offer?

Investec's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Investec can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.