Private mortgages 

Looking for a mortgage that’s a perfect fit? We take everything into account to give you a completely bespoke solution.

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Your home or property may be repossessed if you do not keep up repayments on your mortgage. Over 18s only. Credit is subject to status and approval.

  • BESPOKE BORROWING

    Your borrowing is tailored especially for you. We understand the sometimes irregular nature of cash flow. And we can design elegant and flexible solutions to suit your lifestyle.

  • UNIQUE ACCESS

    From country homes to buy-to-let, our real estate team could help you find that perfect property. Offering clients access to homes that are on or not yet on the market.

  • EFFORTLESS FOR YOU

    We’ll hold your hand through the process, acting quickly and taking away the stress of buying.

BESPOKE BORROWING

Your borrowing is tailored especially for you. We understand the sometimes irregular nature of cash flow. And we can design elegant and flexible solutions to suit your lifestyle.

UNIQUE ACCESS

From country homes to buy-to-let, our real estate team could help you find that perfect property. Offering clients access to homes that are on or not yet on the market.

EFFORTLESS FOR YOU

We’ll hold your hand through the process, acting quickly and taking away the stress of buying.

our products

Our mortgage solutions have been designed to help you act swiftly and effectively when buying your home.

Perhaps you’re looking to buy your dream home? Or purchase a second property for weekends away? Maybe you’re helping your son or daughter on to the property ladder? Or you might want to build a place from scratch?

Whatever your needs, our experts work with your private banker to consider your entire financial position. That means they could recommend the very best approach, tailored to you.

 

  • Offset Select

    The Coutts Offset Select mortgage provides you with the option to use deposits in sterling, euro or US dollar to offset the mortgage balance you are charged interest on. These deposits don’t have to be in your name as the borrower but can also be provided by a Coutts-banked family member or third party. Both the main borrower and third parties can access their funds at any time, and they will work to offset your mortgage the moment they are deposited in the account. Additionally you are free to pay off your mortgage, either in part or full, without any early repayment charges.

    Discover more about the Coutts Offset Select mortgage

  • Tracker Rate

    Tracker mortgages could provide you with flexibility and the freedom to repay at a time that suits you. Whether you are buying, re-mortgaging or improving a property, we offer a selection of terms and repayment options. And you are free to make lump sum repayments at any stage with no Early Repayment Charge.

  • Fixed Rate

    Fixed rate mortgages have pre-agreed monthly repayments and offer certainty for the duration of the fixed term, regardless of interest rate movements. Coutts offers fixed rate terms of two, five or ten years, after which you are free to self-select your next product, where eligible, take advice from us on what your next steps should be, or to simply revert to the Coutts Variable Rate.

  • Mortgage Reserve Account

    For those with unconventional mortgage needs the Coutts Mortgage Reserve Account offers a flexible borrowing facility that can form part of your overall wealth management strategy. Linked to a Coutts Current Account and with a borrowing limit agreed at the outset, a Mortgage Reserve Account offers on demand flexibility to enable a wide range of uses, whether it’s to buy a second home or to fund an investment opportunity. You can also fix a portion of the mortgage if you wish.

Looking to become a landlord? Whether you want to buy a rental property as a new source of income or a long-term investment – or both – we could help.

We provide buy-to-let mortgages that could be used for one property or several, with no limit on the number of places you could mortgage.

We consider your wider personal circumstances alongside the rental income you could get when assessing affordability – helping you stay a step ahead. We even have special purpose vehicle (SPV) buy-to-let mortgages, allowing you to borrow under a UK company structure.

 

  • Offset Select

    The Coutts Offset Select mortgage provides you with the option to use deposits in sterling, euro or US dollar to offset the mortgage balance you are charged interest on. These deposits don’t have to be in your name as the borrower but can also be provided by a Coutts-banked family member or third party. Both the main borrower and third parties can access their funds at any time, and they will work to offset your mortgage the moment they are deposited in the account. Additionally you are free to pay off your mortgage, either in part or full, without any early repayment charges.

    Discover more about the Coutts Offset Select mortgage

  • Tracker Rate

    Tracker mortgages could provide you with flexibility and the freedom to repay at a time that suits you. Whether you are buying, re-mortgaging or improving a property, we offer a selection of terms and repayment options. And you are free to make lump sum repayments at any stage with no Early Repayment Charge.

  • Fixed Rate

    Fixed rate mortgages have pre-agreed monthly repayments and offer certainty for the duration of the fixed term, regardless of interest rate movements. Coutts offers fixed rate terms of two, five or ten years, after which you are free to self-select your next product, where eligible, take advice from us on what your next steps should be, or to simply revert to the Coutts Variable Rate.

Think carefully before securing other debts against your home.

STATEMENT OF LENDER AND BORROWER RESPONSIBILITIES

Coutts & Co adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk

GENERAL INFORMATION FOR MORTGAGES AND LOANS

Find out what’s hot and what’s not in the market area by area in the latest COUTTS LONDON PRIME PROPERTY INDEX

Read the latest Coutts London Prime Property Index

Why Coutts?

Whether it’s a country house, a second home, grand designs, or green space, we can move forward quickly, especially if you already have a house in mind.

 

COUTTS FAMILY

When you’re with Coutts, you’re part of the family. Banking with extraordinary individuals for over three centuries means we are naturally very well connected, and you can benefit from our insight and those connections.

our expertise

You have access to the best in the industry experts at Coutts. We’ll help you act quickly, wisely and confidently when buying a home.
 

protecting your wealth

For over three centuries, we’ve nurtured the wealth of the world’s wealthiest individuals. We’re experts in growing and sustaining financial legacies over years, decades and generations.

 

  • Coutts family

    When you’re with Coutts, you’re part of the family. Banking with extraordinary individuals for over three centuries means we are naturally very well connected, and you can benefit from our insight and those connections.

  • Our expertise

    You have access to the best in the industry experts at Coutts. We’ll help you act quickly, wisely and confidently when buying a home.
     

  • Protecting your wealth

    For over three centuries, we’ve nurtured the wealth of the world’s wealthiest individuals. We’re experts in growing and sustaining financial legacies over years, decades and generations.

     

WATCH OUR LATEST PROPERTY EVENTS

  • How do we build a greener future? [September 2022]

    Our expert panellists included property expert and television presenter Kevin McCloud MBE. They shared some great insight into the growing need for greener homes, current and future government strategy and regulations, and how individuals and developers can explore practical solutions that are both sustainable and cost effective.

    Video player requires JavaScript enabled. You can watch this video here: https://vimeo.com/756715144

  • Where the market is and where it might go from here [March 2022]

    Hosted by property expert and television presenter Kirstie Allsopp, our expert panellists shared some great insight into where the market is now and where it might go from here. The discuss the influences in purchasing decisions, the growth of the second homes market and property upscaling, interest from overseas buyers and the broader outlook for property through 2022.

    Video player requires JavaScript enabled. You can watch this video here: https://vimeo.com/683795610