Investec Mortgages
Best Investec Mortgage Rates
Investec Mortgages
Compare Investec Mortgages. Investec is a specialist banking and asset management group. They offer mortgages for homeowners, buy to let landlord and other specialist mortgage products for more niche customer types.
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- 4.03% Initial
- 5 year fixed
- 6.9% APRC
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Cashback £0Free LegalsFree Valuation
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- 4.04% Initial
- 5 year fixed
- 6.9% APRC
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Cashback £0Free LegalsFree Valuation
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- Halifax
- 4.06% Initial
- 5 year fixed
- 6.9% APRC
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Cashback Max £250Free LegalsFree Valuation
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- Halifax
- 4.06% Initial
- 5 year fixed
- 7% APRC
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Cashback Max £250Free LegalsFree Valuation
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- 4.08% Initial
- 5 year fixed
- 6.7% APRC
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Cashback £0Free LegalsFree Valuation
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- 4.14% Initial
- 5 year fixed
- 6.4% APRC
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Cashback £0Free LegalsFree Valuation
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- 4.14% Initial
- 5 year fixed
- 6% APRC
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Cashback Max £1,600Free LegalsFree Valuation
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- 4.14% Initial
- 5 year fixed
- 6.7% APRC
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Cashback £0Free LegalsFree Valuation
- Get quotes
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- Halifax
- 4.17% Initial
- 5 year fixed
- 6.8% APRC
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Cashback Max £250Free LegalsFree Valuation
- Get quotes
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- Halifax
- 4.17% Initial
- 5 year fixed
- 6.9% APRC
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Cashback Max £250Free LegalsFree Valuation
- Get quotes
Compare Investec mortgages
Investec’s mortgages could be a good fit if you match the type of borrower they are looking for. By carefully assessing the different types of mortgages they offer, you can see whether they might be a good match for your borrowing needs or whether you might be better looking at a more traditional lender.
Residential mortgages
Investec offers mortgages for homeowners, whether they are looking to buy a main residence or a second home they only intend to occupy occasionally. Unlike many other lenders, Investec are willing to offer mortgages on UK properties to individuals where the UK is not their main country of residence.
Buy to Let mortgages
If you are interested in buying a property to rent out, Investec may be able to lend you up to 70% of the property’s value. The amount you can borrow will also depend on your personal circumstances and is likely to be influenced by the monthly rental income the property is projected to earn.
Revolving mortgages
Investec offer specialist mortgages known as revolving mortgages. These give you the flexibility to borrow extra money flexibly as and when you need it, up to an agreed limit.
This type of mortgage is aimed at clients who are likely to want to raise extra finances for buying, refinancing or refurbishing other properties. Investec revolving mortgages are only available to clients with an annual income in excess of £300,000.
Loan to value ratio
With any type of mortgage, a key determiner of how much you are likely to be able to borrow will be the property’s loan to value (LTV) ratio.
This is a means of expressing how much you wish to borrow against the property as a percentage of its market value.
So, if you are aiming to borrow £50,000 secured on a property worth £100,000, your LTV would be 50%. You also have to account for existing debt when calculating LTV, so if you wanted to borrow £25,000 as a secured loan on a £100,000 property which already had a £50,000 mortgage, this would add up to a combined LTV of 75%.
The lower your LTV, the better deal you will normally get on your interest rates.
Find the best deals on mortgage rates
Whether you are looking for a traditional mortgage or something more niche, finding the best deal on your borrowing can be challenging.
Our mortgage calculator is a free tool with allows you to quickly and easily compare some of the top deals from across the market.
All you have to do is head to the top of the page and plug in some key details, such as the amount you need to borrow, how long you are hoping to repay over and your reason for needing a mortgage.
The calculator with then match your personal requirements with appropriate deals, allowing you to quickly and easily assess which offer the best value for you.
Independent Mortgage Advice
Remortgaging is particularly popular at the moment as interest rates are low.
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Whether it will be a good idea for you to remortgage depends on a number of factors, including your goals and your personal circumstances.
However, in general, if interest rates are lower than you are currently paying on your mortgage, it may be a good time to remortgage.
If interest rate are higher than you are currently paying, it may be better to look at other options, such as a second mortgage or a personal loan (if you aim is to borrow more).
If you are not sure whether now is the right time to remortgage, it is a good idea to speak to an independent mortgage broker who will be able to offer impartial advice on Investec mortgage products & alternative lender options.