The Key To Your Hopes And Dreams...

buying

From bridging loans to buy-to-let, we can help you purchase the property you want.

Our mortgage solutions have been designed to help you act swiftly and effectively when buying your home.

 

Perhaps you’re looking to buy your dream home? Or purchase a second property for weekends away? Maybe you’re helping your son or daughter on to the property ladder? Or you might want to build a place from scratch?

 

Whatever your needs, our experts work with your private banker to consider your entire financial position. That means they could recommend the very best approach, tailored to you.

  • The Coutts Offset Select mortgage provides you with the option to use deposits in sterling, euro or US dollar to offset the mortgage balance you are charged interest on. These deposits don’t have to be in your name as the borrower but can also be provided by a Coutts-banked family member or third party. Both the main borrower and third parties can access their funds at any time, and they will work to offset your mortgage the moment they are deposited in the account. Additionally you are free to pay off your mortgage, either in part or full, without any early repayment charges.

    Discover more about the Coutts Offset Select mortgage

  • Tracker mortgages could provide you with flexibility and the freedom to repay at a time that suits you. Whether you are buying, re-mortgaging or improving a property, we offer a selection of terms and repayment options. And you are free to make lump sum repayments at any stage with no Early Repayment Charge.

  • Fixed rate mortgages have pre-agreed monthly repayments and offer certainty for the duration of the fixed term, regardless of interest rate movements. Coutts offers fixed rate terms of two, five or ten years, after which you are free to self-select your next product, where eligible, take advice from us on what your next steps should be, or to simply revert to the Coutts Variable Rate.

  • For those with unconventional mortgage needs the Coutts Mortgage Reserve Account offers a flexible borrowing facility that can form part of your overall wealth management strategy. Linked to a Coutts Current Account and with a borrowing limit agreed at the outset, a Mortgage Reserve Account offers on demand flexibility to enable a wide range of uses, whether it’s to buy a second home or to fund an investment opportunity. You can also fix a portion of the mortgage if you wish.

Looking to become a landlord? Whether you want to buy a rental property as a new source of income or a long-term investment – or both – we could help.

 

We provide buy-to-let mortgages that could be used for one property or several, with no limit on the number of places you could mortgage.

 

We consider your wider personal circumstances alongside the rental income you could get when assessing affordability – helping you stay a step ahead. We even have special purpose vehicle (SPV) buy-to-let mortgages, allowing you to borrow under a UK company structure.

  • The Coutts Offset Select mortgage provides you with the option to use deposits in sterling, euro or US dollar to offset the mortgage balance you are charged interest on. These deposits don’t have to be in your name as the borrower but can also be provided by a Coutts-banked family member or third party. Both the main borrower and third parties can access their funds at any time, and they will work to offset your mortgage the moment they are deposited in the account. Additionally you are free to pay off your mortgage, either in part or full, without any early repayment charges.

    Discover more about the Coutts Offset Select mortgage

  • Tracker mortgages could provide you with flexibility and the freedom to repay at a time that suits you. Whether you are buying, re-mortgaging or improving a property, we offer a selection of terms and repayment options. And you are free to make lump sum repayments at any stage with no Early Repayment Charge.

  • Fixed rate mortgages have pre-agreed monthly repayments and offer certainty for the duration of the fixed term, regardless of interest rate movements. Coutts offers fixed rate terms of two, five or ten years, after which you are free to self-select your next product, where eligible, take advice from us on what your next steps should be, or to simply revert to the Coutts Variable Rate.

Think carefully before securing other debts against your home.

 

Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Over 18s only. Credit is subject to status and approval.

Statement of Lender and Borrower Responsibilities

Coutts & Co adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
 

General Information for Mortgages and Loans

Already a client?

 

For more information about our services, please speak to your adviser or call 020 7957 2424.

Become a client

 

Please get in touch online or call 020 7753 1365 to find out more about our services.

 

Calls may be recorded.