Mortgage Rates


To apply for a Coutts mortgage, you need to be a client of Coutts & Co in the UK and aged over 18. If you are already a client, please speak with your private banker.

If you wish to become a client, please complete our enquiry form and we will be in touch.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Fixed Rates

Term Rate
Follow on rate
(variable)
Overall cost
comparison 		Maximum LTV Product fee Early repayment charge
2 Years 3.99% until 26 April 2012 3.25% 3.5% APR

Up to 80%, depending on property valuation and repayment method. Mortgage Reserve Account – see specific product criteria for LTV

0.5%
minimum £1000 		3% charge on the amount repaid
5 Years

5.49% until 27 April 2015

 3.25% 4.3% APR

Up to 80%, depending on property valuation and repayment method. Mortgage Reserve Account – see specific product criteria for LTV

0.5% minimum
£1000 		5% charge on the amount repaid if repayment is within the first year from drawdown

4% charge on the amount repaid if repayment is between
1 - 2 years from drawdown

3% charge on the amount repaid if repayment is between
2 - 3 years from drawdown

2% charge on the amount repaid if repayment is between
3 - 4 years from drawdown

1% charge on the amount repaid if repayment is between 4 years from drawdown and 27 April 2015
7 Years 5.69% until 
15 February 2017 		3.25% 4.8% APR

Up to 80%, depending on property valuation and repayment method. Mortgage Reserve Account - see specific criteria for LTV

0.5% minimum £1000 5% charge on the amount repaid if repayment is within the first 3 years from drawdown

4% charge on the amount repaid if repayment is between
3 - 4 years from drawdown

3% charge on the amount repaid if repayment is between
4 - 5 years from drawdown

2% charge on the amount repaid if repayment is between
5 - 6 years from drawdown

1% charge on the amount repaid if repayment is between 6 years from drawdown and 15 February 2017

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2 Year Tracker

Rate
Follow on rate (variable) 		Overall cost
comparison 		Maximum LTV Product fee Early repayment charge
Base Rate + 2.49%
until 30 April 2012		 3.25% 3.3% APR

Up to 80%, depending on property valuation and repayment method

0.5%
minimum
£1000

30 days notice required


Variable - House Mortgage Rate

Rate Overall cost
comparison 		Maximum LTV Product fee Early repayment charge
3.25% 3.4% APR

Up to 80%, depending on property valuation and repayment method

Minimum
£1000

30 days notice required



Mortgage Reserve Account

Rate Follow on Rate (variable) Overall cost
comparison 		Maximum LTV Product fee Early repayment charge
3.75%

3.75%

4.1% APR

Up to 75%, depending on property valuation

0.5%
minimum £2000 -
Annual fee £250

No early repayment charge



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Investment Property Mortgage

Term Rate
Follow on rate
(variable)
Overall cost
comparison 		Maximum LTV Product fee Early repayment charge
2 Year Tracker Base Rate + 3.99% until 30 April 2012 4.75% 4.9% APR

Up to 70%, depending on property valuation and repayment method


1% minimum £1000 30 days notice required
Variable - House Mortgage Rate 4.75%

4.75%

4.9% APR

Up to 70%, depending on property valuation and repayment method

1% minimum £1000 30 days notice required
2 Year
Fixed 		5.49% until 26 April 2012 4.75% 5.1% APR

Up to 70%, depending on property valuation and repayment method.

1%
minimum £1000 		3% charge on the amount repaid
5 Year
Fixed 		6.99% until 27 April 2015 4.75% 6.0% APR

Up to 70%, depending on property valuation and repayment method.

1% minimum
£1000 		5% charge on the amount repaid if repayment is within the first year from drawdown

4% charge on the amount repaid if repayment is between
1 - 2 years from drawdown

3% charge on the amount repaid if repayment is between
2 - 3 years from drawdown

2% charge on the amount repaid if repayment is between
3 - 4 years from drawdown

1% charge on the amount repaid if repayment is between 4 years from drawdown and 27 April 2015
7 Year
Fixed 		7.19% until 15 February 2017 4.75% 6.5% APR Up to 70%, depending on property valuation and repayment method. 1% minimum £1000 5% charge on the amount repaid if repayment is within the first 3 years from drawdown

4% charge on the amount repaid if repayment is between
3 - 4 years from drawdown

3% charge on the amount repaid if repayment is between
4 - 5 years from drawdown

2% charge on the amount repaid if repayment is between
5 - 6 years from drawdown

1% charge on the amount repaid if repayment is between 6 years from drawdown and 15 February 2017


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