About Investec
Investec is an international specialist bank and asset manager with a strong UK presence, headquartered in London and Johannesburg. In the UK, Investec provides asset finance to high-net-worth individuals and businesses, including vehicle finance on prestige, supercar and ultra-luxury vehicles. Their specialist private banking ethos means they consider the whole financial picture of each client rather than applying automated credit scoring alone. Investec is particularly well suited to clients with complex, high-value financial profiles - including entrepreneurs, company owners and professionals with substantial assets.
Indicative Rates - October 2026
| Term | Hire Purchase (HP) 7.9% APR | Finance Lease 7.6% APR | Operating Lease 7.4% APR |
|---|---|---|---|
| 24 months | £6,777/mo | £6,757/mo | £6,743/mo |
| 36 months | £4,694/mo | £4,673/mo | £4,659/mo |
| 48 months | £3,655/mo | £3,634/mo | £3,620/mo |
| 60 months | £3,034/mo | £3,013/mo | £2,999/mo |
Example monthly payments on a £150,000 asset, no deposit. Indicative only - actual payments depend on deposit, status and lender criteria.
Investec: Lender Profile
Investec has operated in UK private banking and asset finance for over 25 years. Their vehicle finance operation sits within their broader specialist finance and private banking offering, giving HNW clients access to bespoke structures that standard lenders cannot replicate. Loan sizes can extend well above £1 million for the right client and asset.
Key Stats
- Minimum loan: £50,000
- Maximum loan: £5,000,000+
- Typical LTV: Up to 80%
- Typical term: 12–60 months
- Regulated by: FCA / PRA
- Parent group: Investec plc (LSE / JSE listed)
Eligibility Overview
HNW private individuals and businesses. Typically suits clients with net assets above £1 million or substantial income. Bespoke assessment - no automated credit scoring. All premium marques accepted. Minimum loan £50,000.
Pros
- Bespoke HNW underwriting - no automated credit scoring
- Very high loan sizes - up to £5m+ for exceptional cases
- Strong rates despite specialist positioning
- Full private banking relationship available alongside finance
- Suits complex income structures and asset-rich borrowers
Cons / Considerations
- High minimum loan (£50,000) - not suitable for smaller purchases
- Not accessible to applicants without substantial wealth profile
- Slower process than technology-led lenders
Worked Example: £150,000 Ferrari 488
Worked Example: Ferrari 488 via Investec
| Vehicle | Ferrari 488 (2023 plate) |
|---|---|
| Total asset value | £150,000 |
| Deposit (20%) | £30,000 |
| Amount financed | £120,000 |
| Product | Hire Purchase (HP) |
| APR (indicative) | 7.9% |
| Term | 48 months |
| Monthly payment (indicative) | £2,924 |
| Total amount payable | £170,348 |
All figures are indicative and subject to status, underwriting and lender criteria. A formal illustration will be provided before any agreement is signed.