17th Century French Country Home


A 2 year base rate mortgage provides you with a mortgage payment which guarantees to track the Coutts base rate. A variable rate will mean that if the Coutts base rate falls you will benefit from repayment reductions but if it rises your repayments will increase.   On expiration of the tracking period, the product will convert to the House Mortgage Rate (HMR) for the remainder of the mortgages contractual term.




per {{period}}



Representative example (Residential only):

An interest only mortgage of £750,000 payable over 25 years initially on a tracker rate for 2 years at 1.64%  + base rate and then on our variable house mortgage rate of 7.75% for the remaining 23 years would require 31 monthly payments of £4,153.77 and 268 monthly payments of £4,847.66 and one final payment of £4,840.83. The total amount payable would be £2,184,655.58 made up of the loan amount plus interest (£1,432,780.58) and a product fee (£1,875) and a valuation fee (£0000) the overall cost for comparison is 7.8% APRC representative.


Information and figures given are for illustrative purposes only and do not constitute a commitment or offer to lend. The actual amount will depend on subsequent checks we undertake.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Contact Us

Become a client

When you become a client of Coutts, you join a network of exceptional people. Get in touch online or call +44 (0)20 7753 1365 to find out more about our services.

Already a client?

Contact your private banker at any time or call +44 (0)20 7957 2424 for more information.


All calls with Coutts are recorded for training and monitoring purposes.