Compare Mortgage Rates from Deutsche Bank Against the Market starting at 3.47%

About Deutsche Bank (UK)

Important Clarification: Deutsche Bank does not offer standard mortgages to the general public in the UK.

Deutsche Bank is Germany’s leading bank with a strong global presence. In the UK, its focus is on Corporate Banking, Investment Banking, and Wealth Management.

In 2019, Deutsche Bank Wealth Management launched a regulated mortgage service in the UK to compete with other private banks like Coutts and UBS. Their proposition is built on relationship banking: they do not use automated credit scoring. Instead, they offer bespoke lending solutions tailored to the complex needs of wealthy individuals, entrepreneurs, and families.

Mortgage & Property Finance Products

Deutsche Bank’s lending is designed for the "ultra-prime" and "high net worth" market.

• High Value Residential Mortgages:

  • Minimum Loan Size: Typically £3 million+, although they may consider loans from £1 million for the right client or via select specialist brokers

  • Bespoke Underwriting: They can consider complex income streams such as foreign currency income, bonus income, family trust distributions, and monetised assets

  • Dry Lending: In some cases, they can offer "dry lending" (lending without requiring you to move Assets Under Management to the bank), though a wider relationship is often preferred

• International & Multi-Currency:

  • As a global bank, they are experts in lending to non-UK residents and non-domiciled residents

  • They can often structure loans in different currencies (e.g., Euros, US Dollars) to match the borrower's income or wealth profile

• Specialist Buy-to-Let:

  • Financing for professional investors buying prime residential property in London and the South East

• Liquidity Financing:

  • Lending secured against other assets (like investment portfolios, art, or aircraft) rather than just property

DB Mortgages

It is crucial not to confuse the current private bank with a historical entity called "DB Mortgages." DB Mortgages was a sub-prime/specialist lender owned by Deutsche Bank that operated in the UK until 2008. If you have an old mortgage from this era, it is likely now managed by a third-party administrator (such as Elderbridge) and has no connection to the current Deutsche Bank Wealth Management team.

Pros and Cons of Deutsche Bank

Here is a balanced overview for those who qualify:

Pros:

• Bespoke Solutions: They don't use tick-box criteria. If you have £10m in assets but low cash income, they can structure a loan that works for you

• International Reach: Ideal for international buyers who want to purchase prime London property but live in Singapore, Dubai, or Europe

• Private Banking Service: You get a dedicated Relationship Manager who handles your entire financial portfolio, not just the mortgage

Cons:

• Extremely High Entry Barrier: With a typical minimum loan size of £3m, they are irrelevant to 99% of UK homebuyers

• Cost: Private banking fees and interest rates for bespoke lending can sometimes be higher than standard high-street mortgages

• Speed: The onboarding process for a private bank (Know Your Customer / Anti-Money Laundering checks) can be rigorous and slower than a digital mortgage application

How to Apply for a Mortgage

You cannot apply online. Access is strictly through:

1. Private Banking Relationship: You must be a client of Deutsche Bank Wealth Management. You typically need to be invited or introduced to open a relationship

2. Specialist Brokers: A select group of "Large Loan" mortgage brokers in London have direct access to Deutsche Bank’s lending team. If you are looking to borrow £1m+, we can advise you on whether Deutsche Bank is a suitable option for you and compare their offerings to other private banks. Simply get started to speak to one of our specialist high-net worth brokers