re-mortgaging

Whether you want to move a mortgage over to us from elsewhere, take your current rate with you to a new product or switch to something new, we could help.

We could help you move a mortgage you have with another lender to Coutts – whether it’s a like-for-like replacement or to tailor it more to your needs.

 

We could also make it relatively straightforward for you to take your existing mortgage with you if you move home mid-term.

 

And if you’re looking to rent out your current home, we could help change it from a residential mortgage to its buy-to-let equivalent.

  • 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.

If you want to re-mortgage a rental property before the mortgage term is up, or refinance it at the end of the term, talk to us.

 

We could also help if you want to switch it from buy-to-let to residential – should you or a relative want to stop renting it out and move in instead.

  • 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.

 

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.

Think carefully before securing other debts against your home.

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

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

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

 

Calls may be recorded.