2021 brought a particularly challenging market backdrop with uncertainty surrounding the opening of the market post Covid 19 with rate margin compression and fierce competition from all lenders.

Despite these issues we have seen record breaking new business volumes via the Intermediary desk, with our application to completion timescales falling whilst our average loan size increase quite significantly.

A key component of our strategy has been to continue to focus on our broker relationships. Brokers have always served as an invaluable part of our business and strengthening these relationships was key for our success. We understood that brokers are often time-poor themselves, especially when dealing with the demands of HNW cases.

We addressed this by focusing on giving a swift response to brokers, pulling on our resource throughout the rest of the bank to come back with timely solutions to loan and security structuring. We also continued to develop our thought leadership program to provide insight to brokers on some of the more niche areas that we operate in, e.g. private equity income structures, as well as general market and economic trends.

Our BDM Team will assess each mortgage application personally, looking at the full picture, including bonuses, carried interest and vesting stock. Clients who are paid in a foreign currency, UK based international clients and those who receive high bonuses are all examples of where we can assist. We also ensure that the construction of all our mortgage offers can be unique to the needs of each individual. Examples of this include joint borrower sole proprietor, cross collateralization, limited companies and trusts.

The added complexities of lending to high net worth clients often present challenges for retail lenders but as a private bank with extensive experience in this sector we have the knowledge and ability to assist often as standard criteria.

Intermediary Testimonial:

 “Investec are the best private bank that I introduce clients to for mortgages. This is due to their good appetite for business, attractive bespoke terms, and ability to understand complex client scenarios, and straightforward and quick credit and on-boarding processes. Most important of all, though, is the quality of their private bankers and BDMs, whose knowledge and experience is unrivalled, and swift responses, can-do attitude and client service and care second to none.”

– Nigel Bedford, Senior Mortgage Manager,


 We strive to assist our high net worth clients at every opportunity to achieve their personal and business aims by providing them with a bespoke personable and unique service. Our dedication to our Intermediary partners is unwavering too as we look to build this channel and increase our presence.