Borrowing solutions tailored for you
Your Private Banker can help you with all your borrowing needs – whether it is for yourself, your children, or your grandchildren. We specialise in arranging short- to medium-term mortgages and loans secured against residential property, spanning owner-occupied and buy-to-let property.
Rather than relying on the rigidity of credit scoring, we will look at the full picture of your finances to make a pragmatic, informed decision. Equal consideration is given to all our mortgage and loan applicants regardless of your residency status or whether you hold investments with us. Unlike many other lenders, we consider applications from borrowers over the age of 70 and also take assets into account such as investments, guarantees or land. We can also look at bridging-loan finance, if this is the option that best suits your needs.
When you apply for a mortgage or loan with us, in addition to support from our Private Banking team, you can expect:
- a quick decision on your application
- clear communications throughout
- simplicity from start to finish
We will also liaise with surveyors and lawyers on your behalf.
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it.
Borrowing money against your investment portfolio has its risks and is not suitable for everyone. If the market value of your pledged securities declines below required levels, you may be required to pay down your loan or pledge additional eligible securities in order to maintain it, or we may require the sale of some or all of your pledged securities. The sale of your pledged securities may cause you to suffer adverse tax consequences. We recommend you consult your independent financial adviser or your Weatherbys Investment Manager before applying for lending against an investment portfolio.
Our mortgages and loans are subject to underwriting and criteria. You must be 18 years or over to apply for a mortgage or other loan secured on your property. Terms and conditions apply.