A variable rate, multi-currency borrowing solution focused on flexibility.
Credit is subject to status and approval. Security and fees may apply. Over 18s only.
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Private Banking
Personal Unsecured Loan
Flexible financing for high value pursuits
Whether you’re renovating your home, investing in a passion project or planning a significant purchase, this facility could provide the required liquidity with minimum complexity.
With options including an interest-only loan and repayment terms of up to 25 years, it can be a valuable component of your long-term wealth strategy.
Multi-currency functionality and the freedom to make overpayments without penalty provide further flexibility to suit your ambitions.
Representative example
Representative 9.7% APR (variable)
This rate is available for loans between £5,000 and £150,000. Other loan amounts are available at alternative rates. Our rates depend on the term of the loan, amount of the loan and your circumstances. The loan rate may differ from the Representative APR. We also charge an arrangement fee of 1% of the loan, the minimum charge is a £50 fee.
Borrowing amount £50,000
- Over 36 months
- Monthly repayments £1,580.94
- Total repayment £57,413.40
- Representative 9.7% APR (variable, Annual Percentage Rate)
- Interest rate 8.59% p.a. (variable, 4.34% Above Coutts Base Rate)
- Arrangement fee: £500
For sterling loans, the interest rate is linked to the Coutts Bank Base Rate. For other currencies, it follows the Coutts Currency Reference Rate. Changes to these rates will affect your monthly repayments. If this happens, we will let you know. Full details will be in your loan agreement.
Find out more
Read more detailed information about our personal loans.
Personal loans - key benefits
Overpayments
Repay more when it suits you, with no early repayment charges.
Terms of up to 25 years
Choose a repayment period from six months to 25 years.
Interest-only
Select between interest-only or capital and interest repayments.
Multi-currency
Available in sterling, the US dollar, euro, Japanese yen or Swiss franc.
Managing liquidity
A variable rate loan could be a useful part of your wealth strategy if:
- you are comfortable that the base rate can rise and fall, impacting your monthly repayment
- you value the ability to repay your loan early without incurring charges
- you are comfortable with currency fluctuations and understand you could repay a higher amount in the currency of your loan
Your other options
Our deep market knowledge and flexible approach mean we can structure highly bespoke solutions shaped around your circumstances — however complex.
Whether you're part of an equity partnership, require alternative securities or need multi-jurisdictional support, our experts are committed to finding a solution that meets your requirements.
We provide a range of different fixed rate and variable rate loans designed to meet your evolving needs — from joint loans to interest only repayment options.
Interested?
Log in to your Coutts app or online banking to apply, or speak to your Private Banker who will be pleased to assist you. You may also contact Coutts 24 any time on 020 7957 2424 (Relay UK 18001 0207 957 2424).