Coutts

Coutts: Exclusive Mortgage Solutions Tailored to High-Net-Worth Individuals

Coutts Private Bank offers bespoke mortgage solutions designed for affluent individuals with complex financial profiles. Whether you are purchasing a prime residential property, investing in buy-to-let, or managing international assets, Coutts delivers personalised lending solutions tailored to your unique circumstances.

At Kerr & Watson, we work with Coutts along with the rest of the market to provide access to their exclusive products, ensuring a mortgage experience backed by expert guidance.

Why Choose Coutts for Your Mortgage Needs?

Bespoke Borrowing for Complex Financial Situations

Coutts specialises in creating tailored mortgage solutions for clients with intricate financial arrangements, including income from trusts, offshore accounts, and diverse investment portfolios. Their flexible approach could be a good fit if this fits your borrowing needs.

Coutts Mortgage Products

Residential Mortgages

Coutts offers tailored solutions for purchasing your dream home, securing a second property, or building a bespoke project. Their expert team works closely with your private bank to ensure every aspect of your financial position is considered.

Offset Select Mortgage: Offset savings in multiple currencies to reduce interest payments, with contributions from family members or third parties. Enjoy the flexibility of early repayments without charges.
Tracker Mortgages: Rates linked to market movements, allowing lump-sum repayments without early repayment fees.
Fixed Rate Mortgages: Predictable monthly payments with terms of two, five, or ten years.
Mortgage Reserve Account: A flexible borrowing facility linked to your Coutts Current Account if you have one, offering tailored solutions for unique lending needs.

Buy-to-Let Mortgages

Whether you’re a first-time landlord or managing a portfolio, Coutts could provide a solution, including SPV (Special Purpose Vehicle) buy-to-let options. Their affordability assessments consider both rental income and personal finances, ensuring a balanced approach.

Offset Select for Buy-to-Let: Leverage savings across currencies to reduce mortgage costs while maintaining liquidity.
Flexible Terms: Choose between tracker or fixed rates with competitive pricing and no limits on the number of properties you can mortgage.

Prime Borrower Solutions

For super prime properties valued at £10 million or more, Coutts offers an increased Loan-to-Value (LTV) ratio of up to 75%, making high-value purchases more accessible. Additional options include:

Interest-Only Downsizing: For borrowers planning to sell their primary residence in the future.
Extended Mortgage Terms: Residential capital and interest mortgages available up to age 80.
Hobby Estate Loans: Bespoke financing for landed estates, farms, or rural properties with commercial elements.

How Coutts Compares to High Street Lenders

Coutts’ personalised approach could be the solution for clients with complex financial needs, such as international income streams or high-value assets. High street lenders often provide lower costs for more straightforward situations.

At Kerr & Watson, we assess your financial situation to recommend whether Coutts or another lender aligns better with your goals.

Why Work with Kerr & Watson?

At Kerr & Watson, we streamline the mortgage process, working with lenders like Coutts to secure the best solutions for your property ambitions. From understanding your unique financial position to managing the application process, we ensure your journey is seamless.

If you’re seeking tailored mortgage solutions for high-value properties, contact Kerr & Watson to explore lenders including Coutts’ exclusive offerings and discover how we can help you achieve your property goals.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.