Coutts Mortgages
If you’re looking for tailor-made mortgages to fit your clients' unique needs, we’re here to support you. Our mortgage solutions give your high-net-worth clients the flexibility they require, and they can also benefit from our exceptional private banking services.
Only for use by mortgage intermediaries.
Our range of products are carefully curated to meet the needs of wealthy clients that require a more bespoke approach. This means our Private Banking Broker Team can discuss specific cases with you — however complex — and look to design the most suitable lending solution.
Alongside our standard offering, our areas of expertise include supporting international clients, aiding super prime property purchases and providing residential development finance. We also offer mortgages above standard loan to value parameters, subject to application and criteria.
Our specialist mortgages include our offset select option, which enables clients to lower the balance they're charged interest on by offsetting it against separate deposits.
And across our proposition, we assess clients’ often complex income streams when arranging a mortgage — taking into account bonuses, carried interest and equity income.
We can curate a suite of options around your clients’ specific circumstances and build bespoke lending solutions. Here are just some of the features we offer.
Our mortgages offer high loan-to-value ratios and no upper borrowing limit, catering specifically to high-net-worth individuals. Our mortgage options include, for example, an interest-only term of up to 35 years, offering unmatched flexibility and long-term planning advantages, with a range of customised features and repayment options.
Recognising the diverse income sources of high-net-worth clients, we consider bonuses, carried interest and equity income when arranging mortgages. This enables clients to leverage their financial positions effectively, gaining access to competitive mortgage options that traditional lenders may not offer.
We have a comprehensive offering to support international clients. We assess income and provide lending across a broad range of currencies, while our country coverage model means we possess deep expertise in understanding wealth management across various jurisdictions. This enables us to provide lending solutions that align with the regulatory and financial nuances of different countries.
We offer a full range of products and services for clients looking to include property in their investment portfolio. This includes buy to let mortgages held within special purpose vehicles, trusts, and offshore entities. And our integrated commercial bank means we can help clients bridge the gap from portfolio landlord to real estate investment professional.
To place business with us you must be registered with NatWest Intermediaries. The NatWest registration process and terms of business cover both brands and there is no need to register separately with us.
To discuss a new enquiry, please contact your Business Development Manager or email our Private Banking Broker Team.
Once we have discussed your enquiry, we will ask you to log in to our broker portal to complete a mortgage enquiry form. You'll need to use your NatWest Intermediaries login to access the portal — technical support is available on 0345 026 0008 (Relay UK: 18001 0345 026 0008).
After we receive your mortgage enquiry form and any supporting documentation, we will provide you with an ESIS document. You will need to confirm to us that your client has accepted this document. Then we will proceed to a full application.
All submitted mortgage applications or enquiries will be individually case managed by your contact within our Private Banking Broker Team, and your credit analyst. Please contact them directly for an update.
To discuss a new enquiry, please contact your Business Development Manager or email the Private Banking Broker Team. Either would be delighted to discuss how we could support you and your clients.
