
Mortgage intermediaries
Looking for tailor made mortgages to fit your clients' specific needs?
We're here to help. We provide bespoke, flexible mortgage solutions and the benefits of a Private Bank for your high net worth clients.
ONLY FOR USE BY MORTGAGE INTERMEDIARIES
innovative MORTGAGES TO FIT YOUR CLIENTS’ SPECIFIC NEEDS
Supporting you with a mortgage as individual as your client
Our Broker Banking team will help you and your clients.

Products

Fixed Rate Mortgages
We have a range of fixed rate products for clients wanting certainty of their monthly repayment. All fixed rate mortgages have a 10% overpayment allowance per annum. Early Repayment Charges apply.

tracker Mortgages
We have a range of products that track the Coutts Base Rate. No Early Repayment Charges apply.

mortgage reserve account
Our MRA works like an overdraft, there is a limit set and the client can draw upon this limit accordingly. The MRA must be on the clients main residence.

Offset Mortgages
Our offset mortgages are available for customers who may want more flexibility. They are available on both residential and Buy to Let applications. GBP, US Dollar and Euro cash can be used to offset the mortgage.

green Mortgages
Our green mortgages support clients with more energy efficient homes.
Lending Criteria
We’d encourage you to contact us to discuss your enquiry as every case is assessed on an individual basis CouttsIntermediaryTeamReferrals@coutts.com.
Here is an outline of our lending and eligibility criteria. This is not intended to be a full policy guide:
key Criteria
- The minimum loan for new clients should exceed £1 million
- The client must be aged 18 or over
- We lend on UK properties only
- No minimum income requirements
- We can lend without Assets Under Management for the client
- The minimum term is 2 years and the maximum is 35 years or to age 80 (depending on method of repayment)
- We must have first legal charge over the property
placing business
To discuss a new enquiry please contact your Business Development Manager or the Broker Banker Team at CouttsIntermediaryTeamReferrals@coutts.com
Once you have discussed your case with us and we have indicated lending appetite please complete a Mortgage Enquiry Form
Obtaining an ESIS
Once we have reviewed your enquiry and we have received both the Mortgage Enquiry Form and the supporting documentation we will provide you with an ESIS document. When you have confirmed with us that the ESIS has been accepted by the client we will be able to proceed to full application.
All introduced mortgages will be completed on the sole advice provided by the broker. Coutts will no longer provide advice direct to the clients on introduced cases.
updates on your Cases
All submitted mortgage applications or enquiries will be individually case managed by your Broker Banker and Credit Analyst. Please contact them directly for an update.
Registration
To place business with us you must be registered with NatWest Intermediary Solutions.
The NatWest registration process and Terms of Business cover both brands and there is no requirement to register separately with us.
contact us
If you would like to discuss a new mortgage enquiry please contact our Broker Banker Team or one of our Business Development Managers
Broker Banker Team: couttsintermediaryteamreferrals@coutts.com
Business Development: