Investec Private Bank Mortgages

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Last updated on 18 March 2021.

Investec Private Bank Mortgages FAQ

What are Investec Private Banking mortgages?

Investec Private Banking provides a number of mortgage products catering to the needs of borrowers, be they home buyers needing residential mortgages or landlords seeking buy-to-let mortgages in order to rent out properties to generate rental income.

What is LTV on a mortgage?

Investec Private Banking offer a loan-to-value ratio (LTV), measuring what percentage of a new property’s value they’re willing to provide you in the form of a mortgage loan. Mortgages require a deposit to cover the remaining value of the property. For example, an 80% LTV mortgage would require you to pay an upfront deposit of 20%.

Can you reduce costs on a mortgage in any way?

Yes, by seeking fixed-rate products, which fix interest payments for a limited period. Another way of reducing costs on mortgages is to opt for an interest-only mortgage. Please note that the mortgage loan is outstanding when the interest-only mortgage term expires and will need to be paid as a lump sum.

What is the SVR?

Standard Variable Rates are effectively the default rate used by providers. If you have a fixed-rate mortgage that expires, you may find yourself having to pay interest using the SVR instead, unless you make prior plans. SVRs could make interest payments significantly higher as a result.

Why does interest matter on a mortgage?

A mortgage is one of the most significant long-term financial commitments you will make in your lifetime, as you can expect terms to last for many years, even decades. It’s crucial to make sure you choose a mortgage with a suitable level of interest, as it is incremental, and costs need to be managed effectively.

What is an Early Repayment Charge?

Providers such as Investec Private Banking may wish to use measures such as ERCs to dissuade borrowers from paying off their mortgage ahead of schedule. While paying off your mortgage early reduces the number of monthly payments to make, the ERC will be an added cost to consider.

How do I compare the best Investec Private Banking mortgages?

If you wish to find the Investec Private Banking mortgage or product from another provider that best suits your requirements, use NerdWallet’s special comparison tables. Always check terms and conditions on each product.

What determines interest on a variable-rate mortgage?

Interest on variable-rate mortgages for any provider is usually determined by market rates, as charged by competing providers. Movements in the base rate at the Bank of England can also do much to influence the direction of mortgage rates.

Can a fixed-rate mortgage help save money over time?

Potentially. If you were to lock in a rate of interest for a limited number of years, interest payments would be completely unaffected by shifts in the market rates elsewhere. If rates were to rise suddenly across the mortgage markets, you would ultimately save money, having locked in a lower rate of interest beforehand.

Services offered by this provider may change over time. Always check Ts&Cs.

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