Private Banking
Borrowing facilities which can be used for as many properties as you wish. All solutions below are available as mortgage or re-mortgage options.
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.
Whether you're acquiring a single investment property or expanding a portfolio, our buy-to-let solutions support your ambitions with precision. Our approach considers your broader finances, aligning potential rental income with your long-term wealth strategy.
We can meet a wide range of requirements as well. Alongside our standard buy-to-let offering, we can support you if you rent your existing property or one you inherit. We can also assist property professionals through our Commercial Banking proposition.
Secure your mortgage with the confidence of a fixed interest rate and pre-agreed monthly repayments throughout the set period.
Benefits
You are tied into the deal, and any move away may incur early repayment charges. If variable rates decrease, you would not see any reduction in your mortgage payments. There may be limits to how many overpayments you can make before incurring early repayment charges.
A dynamic solution where the interest rate changes in line with the Coutts base rate and there is no early repayment charge.
Benefits
The Coutts base rate could increase any time, raising your monthly mortgage payments.
Lower the mortgage balance you’re charged interest on by offsetting it against separate deposits. The deposits can be held in sterling, euro, or US dollars — yours or a third party’s — and you maintain full access to the funds. This product comes with a variable interest rate.
Benefits
No interest is paid on your offset deposits. If the currency of your non-sterling deposit account depreciates, it could affect your mortgage repayments. Your monthly mortgage payment can fluctuate depending on how much you or third parties have in the offset deposit accounts.
We provide buy-to-let mortgages to trusts as well as special purpose vehicles and limited companies, allowing you to borrow under a UK company structure.
But if actually all you need is something straightforward, as part of the NatWest Group, we can provide access to NatWest’s mortgage products through your Coutts adviser. These include tracker, fixed rate and interest only options, offering lower pricing while maintaining bespoke service.
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 020 7957 2424).
