Investec Mortgages: Tailored Lending for High Net Worth Clients

Investec is one of the UK’s leading private banks, renowned for its speed, flexibility, and intelligent lending solutions. Designed for high-net-worth individuals, entrepreneurs, and professionals with complex income structures, Investec offers a level of personal service and bespoke lending that far exceeds what’s available from the high street.

At Strive, we specialise in arranging high-value and complex mortgages for clients who expect more than standard, off-the-shelf lending. With over a decade of experience helping high-net-worth borrowers, business owners, and senior professionals, we understand how to navigate the private banking landscape to deliver seamless, bespoke outcomes.

Why choose Investec for your mortgage?

Investec is a trusted name in private banking, known for its ability to move quickly, assess complex circumstances, and take a common-sense approach to lending. Unlike traditional lenders, Investec’s private bankers have the freedom to underwrite each application individually — looking at your overall financial position, not just your basic salary.

Your dedicated private banker can assess income from multiple sources, including bonuses, carried interest, profit shares, and dividends. This makes Investec particularly suited to clients with complex remuneration packages, self-employed structures, or international income streams.

Key benefits of an Investec mortgage

Choosing Investec provides access to lending that is both flexible and bespoke, designed around your personal circumstances.

• Speed and efficiency – quick decision-making and direct access to a senior underwriter.
• High loan-to-value lending – up to 95% LTV on residential mortgages for qualifying clients.
• High borrowing potential – generous income multiples for substantial or complex earnings.
• Broad income acceptance – bonuses, dividends, retained profits, and overseas income can all be considered.
• Residential and buy-to-let mortgages – options for main homes, second homes, and investment portfolios.
• Revolving and offset mortgages – flexible facilities that allow you to draw down and repay funds as needed.
• Self-build and development finance – bespoke funding for custom or large-scale projects.
• Self-employed expertise – Investec often works from company profits, not just drawings, and can consider one year’s accounts.
• Dedicated private banker – your own point of contact manages the entire process from start to finish.

This personal approach allows Investec to look beyond standard lending metrics — focusing instead on the strength, structure, and sustainability of your overall financial position.

Investec mortgage eligibility and lending options

Investec caters to clients with significant earnings, assets, or complex income structures. Typical eligibility criteria include:

• Minimum loan size: £1 million and above
• Typical client profile: £300,000+ annual income or £3 million+ net worth
• Lending on UK residential and investment properties
• Terms up to 40 years, subject to repayment method
• Flexible repayment structures, including interest-only, repayment, offset, or revolving credit

Each mortgage is assessed individually, with underwriting carried out by experienced private bankers rather than automated systems. This allows for tailored lending decisions based on your total wealth picture.

How Strive can help

At Strive, we work closely with Investec and other leading private banks such as Coutts and Hampden & Co to deliver truly bespoke mortgage solutions. Our private banking expertise allows us to match your profile to the right lender — whether your wealth is tied up in company shares, investments, property portfolios, or overseas assets.

While Investec is known for its speed and flexibility, it’s not the only option. Many mainstream lenders can support high-value loans of £2–£5 million, though these typically require larger deposits. Private banks like Investec take a more holistic approach, assessing the full scope of your wealth and income rather than relying on rigid affordability models.

High-net-worth lending demands precision, discretion, and expertise. Our team manages the process end-to-end — liaising directly with private bankers, accountants, and legal advisers to ensure your mortgage complements your wider wealth strategy. With over a decade of experience in complex, high-value lending, we’ve built trusted relationships with leading private banks and affluent clients alike. Whether you’re purchasing a home, expanding your portfolio, or financing a self-build project, Strive ensures your borrowing reflects your ambitions and financial profile.