𝗛𝗼𝘄 𝗠𝘂𝗰𝗵 𝗪𝗶𝗹𝗹 “𝘁𝗵𝗲 𝗞𝗶𝗻𝗴’𝘀 𝗕𝗮𝗻𝗸” 𝗟𝗲𝗻𝗱 𝗬𝗼𝘂 𝗳𝗼𝗿 𝗨𝗞 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁?

If you’re trying to grow a UK property portfolio and the high‑street has capped you, it’s worth knowing how differently private banks think.

Take Coutts – often called the King’s Bank.

Typical terms you’ll see on UK residential investment deals (subject to profile and credit committee):

• Lending up to £9,999,999

• Rates from around 4.69% p.a. with a 0.5% product fee

• Up to 90% LTV on the right assets and structure

• Income multiples around 5–6x earnings

On that basis, a £100,000 income can support £500k–£600k of borrowing.

But the real edge for investors and entrepreneurs is this:

Coutts will often look beyond just your PAYE or drawn dividends and consider retained profits in your companies – even if you haven’t taken them out yet.

Example:

• £100,000 personal salary

• Plus a limited company consistently making £50,000 profit a year

Many high‑street lenders will largely ignore that retained profit.A private bank may use it to support a higher lending multiple and a larger UK investment facility.

Same economic reality. Very different borrowing power.

If you’re serious about scaling UK property and you’ve hit the limits with Santander/RBS/NatWest, the problem may not be your portfolio – it may be who you’re asking.

At Asset Acquisition Partners, we spend a lot of time matching investor profiles with the right lenders (including private banks) and structuring UK deals so your true capacity is recognised.

If you’d like a simple comparison of how high‑street vs private banks assess borrowing for UK property investment, DM me and I’ll send it over.