BORROW FOR A PROPERTY WITH INVESTMENT-BACKED LENDING

With our investment-backed lending, you can borrow against your investments. It could mean securing a property swiftly. Put simply, it means your assets are working harder for you.


BOOK AN APPOINTMENT
 

BORROW FOR A PROPERTY WITH INVESTMENT-BACKED LENDING

With our investment-backed lending, you can borrow against your investments. It could mean securing a property swiftly. Put simply, it means your assets are working harder for you.


BOOK AN APPOINTMENT
 

FLEXIBLE

You could borrow a single lump sum all at once or portions of it over time – and you only need to pay interest once you start using it. 

 

FAST

With IBL, everything could be agreed and set up swiftly. In effect, you’re a cash buyer ready to go. 

 

SIMPLE

You could have the opportunity to borrow quickly without the need for a mortgage application process.

 

EFFORTLESS

You can leave your investments untouched to continue to receive any potential returns. 

INVESTMENT-BACKED LENDING (ibl)

IBL could let you use your Coutts investment portfolio as collateral. This means you could move much more quickly when you’re buying a property, as you don’t need to spend time arranging a mortgage.

It’s flexible – you remain invested in your portfolio but can borrow against it. If you need funding, you don’t have to sell your portfolio.

It’s quick – it should be quick to arrange IBL as the security is investments we manage at Coutts. You don’t need to wait for a valuation like you would do with a conventional mortgage.

  • How does it work and what are the rates?

    It works in a similar way to an overdraft. The larger your portfolio, the lower your interest.

    -   From £500,000 up to £5 million – 1.5% above the Coutts base rate

    -    From £5 million up to £10 million – 1.25% above the Coutts base rate

    -    More than £10 million – 0.99% above the Coutts base rate

    Your stocks, bonds and other assets are untouched. They’re simply used as collateral and you’ll continue to receive the potential returns they generate.

  • How can you use IBL?

    IBL is versatile and, effectively, lets you act like a cash buyer. For example, you can use it to purchase your primary residence, land or a second or holiday home in the UK. You can also use it as a bridging loan when you’re moving from your primary residence in the UK. Or you could even help your children on to the property ladder without needing to gift them the finances. 

  • Important information

    This product may not be suitable for you if:

    • you require any advice on the merits or suitability of the product for you.
    • you rely on the income and capital from your investments and cash to maintain your standard of living.

    You need to have over £500,000 in investments to be considered for Investment Backed Lending at Coutts.

    The final decision whether to proceed must be your own and in making your decision you should carefully consider the comparison between borrowing costs and potential investment gains/losses.

    We strongly recommend you seek your own independent advice if you are unsure whether this product is suitable for you.

    We also recommend that you seek tax advice as we do not provide tax advice.

    Lending against investments must not be used for residential property renovation or improvements. When buying UK property, you must have spent at least 183 days in the UK during the last year. Buying property in other locations would be subject to local legal advice on regulations and legal fees may apply. Security is required. If the security you provide is insufficient to support the amount you have borrowed, you may be required to rectify the shortfall at short notice – this is referred to as a margin call. Over 18s only. Investment values can fall as well as rise and your capital is at risk.

Why Coutts?

Whether it’s a country house, a second home, grand designs, or green space, we can move forward quickly, especially if you already have a house in mind.

 

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COUTTS FAMILY

When you’re with Coutts, you’re part of the family. Banking with extraordinary individuals for over three centuries means we are naturally very well connected, and you can benefit from our insight and those connections.

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our expertise

You have access to the best in the industry experts at Coutts. We’ll help you act quickly, wisely and confidently when buying a home.
 

protecting your wealth

For over three centuries, we’ve nurtured the wealth of the world’s wealthiest individuals. We’re experts in growing and sustaining financial legacies over years, decades and generations.

 

  • Coutts family

    632208997

    When you’re with Coutts, you’re part of the family. Banking with extraordinary individuals for over three centuries means we are naturally very well connected, and you can benefit from our insight and those connections.

  • Our expertise

    1290124032

    You have access to the best in the industry experts at Coutts. We’ll help you act quickly, wisely and confidently when buying a home.
     

  • Protecting your wealth

    For over three centuries, we’ve nurtured the wealth of the world’s wealthiest individuals. We’re experts in growing and sustaining financial legacies over years, decades and generations.

     

Find out more about investment-backed property lending. Talk to us now.

Book an appointment