Mortgages with Coutts: Bespoke Lending for High-Net-Worth Clients

Coutts – often referred to as the King’s Bank – has a long-standing reputation as one of the UK’s leading private banks. Known for its discretion, service, and bespoke approach to wealth management, Coutts also offers a range of tailored mortgage solutions designed specifically for high-net-worth individuals.

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, entrepreneurs, and professionals with substantial assets, we understand the nuances and complexities of private banking relationships and bespoke lending solutions.

Why choose Coutts for your mortgage?

As part of the NatWest Group, Coutts combines financial strength with a personalised approach that’s rarely found among mainstream lenders. Every application is reviewed on its own merits, allowing for a more flexible and creative underwriting process.

While traditional lenders often rely on strict affordability models and automated systems, Coutts takes the time to understand your wider financial picture — including assets, investments, and income structures — to design a lending solution that truly fits your circumstances.

Key benefits of private banking mortgages

Choosing a private bank like Coutts opens the door to far greater flexibility than the high street can typically offer. Some of the standout advantages include:

• Bespoke lending solutions – tailored to your financial profile rather than generic criteria.
• Higher income multiples – lending can stretch beyond standard 4.5× limits.
• Flexible repayment options – interest-only, offset, and tracker mortgages available.
• Lower deposit requirements – for clients with strong wealth profiles and diversified assets.
• Multi-currency lending – ideal for clients with overseas income or investments.
• Self-employed flexibility – Coutts can consider one year’s accounts, company profits, or retained earnings rather than personal drawings.
• Asset-backed lending – borrowing can be secured against portfolios, investments, or other high-value assets.
• Dedicated case management – each client has a named contact overseeing their application.

This level of personal service and flexibility makes private banking particularly appealing to entrepreneurs, business owners, and internationally based professionals whose income or wealth doesn’t fit neatly into high street criteria.

Coutts mortgage eligibility and lending criteria

Coutts mortgages are designed for clients with significant wealth or income. The key eligibility guidelines include:

• Assets Under Management (AUM) not mandatory

• Minimum loan size for new clients: £1 million

• Minimum income: £300,000 or net worth of £3 million

• Lending available on UK properties only

• Minimum term 2 years, maximum 40 years or to age 80 (depending on repayment method)

• No minimum income requirement if assets and overall profile support the borrowing

• First legal charge required over the property

How Strive can help

At Strive, we work with Coutts and other leading private banks to source and negotiate tailored lending solutions for our clients. Our longstanding relationships across the private banking network allow us to match you with the right lender based on your profile, assets, and financial objectives.

It’s worth noting that private banks aren’t the only option for high-value lending. Many mainstream lenders now cater for larger loans up to £2–£5 million, although these often require higher deposits (typically 25% or more). However, private banks like Coutts take a more common-sense approach — with lending decisions often made at board level rather than by tick-box underwriters in call centres.

Whether your wealth is tied up in business assets, international investments, or complex income streams, Strive can help present your case to the right lender and secure the most competitive terms available.

The Strive difference

We understand that high-net-worth clients expect efficiency, discretion, and results. Our role is to remove friction from the process — managing communication with the bank, coordinating with your legal and financial advisers, and ensuring the mortgage solution aligns seamlessly with your broader wealth strategy.

With over a decade of experience and a deep understanding of private banking, we’re trusted by entrepreneurs, executives, and investors to deliver mortgages that reflect their financial sophistication and long-term goals.