Whether buying a primary residence, holiday apartment or long-term investment, our made-to-measure, high-value mortgages help you feel at home.
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Private Banking
Mortgages made for you
Catered to your ambitions
Tailor-made solutions to help you secure prestigious properties without standard mortgage constraints. Benefits include high loan-to-value ratios and no upper borrowing limit.
Unlocking opportunities
Leverage your finances to access mortgages traditional lenders may not offer — made possible because we consider your bonuses, carried interest and equity when assessing your income.
Build around you
Your dedicated relationship manager takes the time to fully understand your requirements, then delivers a highly personalised service backed by our exceptional expertise.
Financing with flex
Flexible by design, our mortgage solutions are built to help you act swiftly and decisively when making your next property purchase. Our specialists consider your entire financial position and specific circumstances, no matter how complex, and suggest the most suitable approach for your individual ambitions.
Your mortgage options
A closer look at how we could help turn your property plans into reality.
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. Specific eligibility criteria may apply.
Residential mortgages
Our custom-made mortgages address the complexities that can come with high-end property. You could benefit from an interest-only option for up to 35 years — offering advantages when passing on wealth — or access liquidity from your arrangement through our mortgage reserve account.
Alternatively, our offset select product lets you use deposits to lower your interest payments. We also provide less complex, lower cost mortgages through our Coutts NatWest offering.
Buy-to-let mortgages
Full buy-to-let freedom with no limit on the number of properties you can mortgage. Whether you are seeking to buy rental properties as a source of income or long-term investment — or both — we could help.
Green and retrofit mortgages
Our Coutts Green Mortgage could reward you for buying an energy-efficient property, while our Retrofit Green Mortgage could benefit you if improving your existing home.
Ready to find your dream property?
Our dedicated property finder service could help you find something special. Our pre-selected panel of leading buying agents can source some of the most exceptional homes in the UK and abroad, even before they’re put on to the open market.
They could also advise you on price and help negotiate favourable terms on your behalf.
Looking to re-mortgage?
Whether you want to move a mortgage over to us from elsewhere, take your current rate with you to a new property or switch to something new, we could help. All our residential and buy-to-let solutions are available as re-mortgage options.