Private Banking
Flexible options fit for your needs. All solutions below are available as mortgage or re-mortgage arrangements.
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.
Our mortgages are built around your needs. We offer high loan-to-value ratios, no upper borrowing limit and interest-only options for up to 35 years. You can also combine several products under one agreed borrowing limit.
We consider your bonuses, carried interest and equity when assessing your income, potentially providing access to mortgages you won’t find with mainstream lenders.
Your dedicated team of experts delivers a highly personalised service tailored to your individual requirements — all coordinated through your relationship manager.
Maintain financial agility with this flexible, variable rate mortgage which you can use to access liquidity, up to an agreed limit. Linked to your Coutts current account, interest is only paid on the amount you withdraw and there are no early repayment charges.
Benefits
Variable rates can increase at any time, which will increase your mortgage payments.
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 a number of other specialist financial options for property purchases, including development finance, currency lending and property secured overdrafts.
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, and offer 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).
