Governments, corporations and other institutions often routinely borrow as part of the management of their affairs. However, the potential advantages of borrowing are often overlooked by private clients. Suitable levels of borrowing can be an integral part of the financial and life planning process, but many wealth managers do not have the experience or in-house capabilities to provide the right advice and services.
In addition, the past five years have seen a raft of changes and innovation in the private client lending space, and it can be difficult to keep abreast of the current opportunities.
Whether it’s a mortgage on a home or investment property, an investment-backed loan to provide liquidity, or for succession planning, having access to the right type and quantum of borrowing, over an appropriate time frame, is crucial to any robust wealth plan. In the right circumstances, it can support your short, medium and longer-term goals and aspirations.
John Williams, head of wealth planning, joined Colin Campbell, private banker and lending adviser, in a conversation moderated by Karen Bennett of the marketing team, to explore the changing lending landscape, the options available to high net worth borrowers and the considerations and potential pitfalls to keep in mind.
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Clients can borrow against a UK, Isle of Man or Channel Island-based residence, be it a home or an investment property. We also lend against investment portfolios, and loans can be denominated in Sterling, Euros or US Dollars. With clients in 160 countries, we often help clients based outside the UK, and have lent using the same approach across market cycles since 1987.
To find out more about Nedbank Private Wealth’s bespoke lending services, please contact your private banker directly or call our client services team on +44 (0)1624 645000. Or you can get in touch using the links to the forms towards the end of this page.
Any examples of investments and structures used are for illustrative purposes only. This webinar does not constitute an invitation or inducement to buy any financial investment or service. None of the content constitutes advice or a personal recommendation. Individuals should seek professional advice, based on their jurisdiction and personal circumstances, before making any financial decision.
John heads up the wealth planning proposition for the international business. He works with clients and their families, in tandem with their professional advisers, to ensure they have a clear financial plan in place to achieve their financial objectives. Working in partnership with our teams of private bankers, he integrates the benefits of wealth planning alongside our broader wealth management and wealth structuring capabilities.
John has over 25 years of advisory and management experience, working for global organisations providing solutions to a wide variety of UK and international clients. He joined from Credit Suisse UK where he was head of wealth planning for five years. He has also held similar senior roles at Barclays and UBS.
John heads up the wealth planning proposition for the international business. He works with clients and their families, in tandem with their professional advisers, to ensure they have a clear financial plan in place to achieve their financial objectives. Working in partnership with our teams of private bankers, he integrates the benefits of wealth planning alongside our broader wealth management and wealth structuring capabilities.
John has over 25 years of advisory and management experience, working for global organisations providing solutions to a wide variety of UK and international clients. He joined from Credit Suisse UK where he was head of wealth planning for five years. He has also held similar senior roles at Barclays and UBS.
+44 (0)20 7002 3610
Antoine de Saint-Exupery said “A goal without a plan is just a wish”, which is particularly relevant when we consider our financial goals and aspirations. John Williams, who recently joined us as head of wealth planning, highlights three areas where wealth planning can be particularly important.
Read moreInternationals moving to the UK are able to remain non-domiciled, which offers opportunities and pitfalls, as our host, John Williams, and his guest, Mike Curran of PwC, will explain in this webinar.
Read moreAfter the turbulent events of 2020, many may be planning to make life changes now the new year has started. John Williams suggests five easy ways to make a start by putting your finances in order.
Read more
Colin joined Nedbank Private Wealth’s London office in 2010 after 15 years with Barclays, working within its retail, commercial and wealth management divisions. He acts as a trusted adviser to a select group of high-net-worth clients, which includes private individuals, professional intermediaries, companies and trusts. Colin provides his clients with a tailored and holistic private banking service, offering integrated banking, lending, investment management and fiduciary services.
He is a Chartered Wealth Manager and a Chartered Fellow of the Chartered Institute for Securities & Investment.
Colin joined Nedbank Private Wealth’s London office in 2010 after 15 years with Barclays, working within its retail, commercial and wealth management divisions. He acts as a trusted adviser to a select group of high-net-worth clients, which includes private individuals, professional intermediaries, companies and trusts. Colin provides his clients with a tailored and holistic private banking service, offering integrated banking, lending, investment management and fiduciary services.
He is a Chartered Wealth Manager and a Chartered Fellow of the Chartered Institute for Securities & Investment.
+44 (0)20 7002 3604
While financial markets have been making the headlines for the level of activity – a record level in many instances, as well as the sharp drop in values – the coronavirus pandemic is also having a significant effect on property markets. Our focus is on the UK property market, and particularly the residential sector.
Read moreHave you thought about how you might access short-term capital through borrowing without affecting your longer-term financial goals?
Read more
Karen joined Nedbank Private Wealth in 2019 and is based out of the London office. She brings to the table over 22 years’ experience in financial services in Asia, Europe and the UK, primarily in investment and wealth management.
Karen works with the private banking teams to identify trends in wealth management and develop initiatives to help private clients understand the opportunities for their wealth, as well as the hurdles. She also works with the company’s network of finance, fiduciary and advisory professional partners to introduce our services and ensure Nedbank Private Wealth is seen as the provider of choice for high net worth individuals and their advisers.
Outside of work, Karen is on the management board of Women in Banking & Finance UK, an ambassador for Insuring Women's Futures and a member of the board of trustees for International Children's Trust. Karen holds a business degree earned in Germany and the UK.
Karen joined Nedbank Private Wealth in 2019 and is based out of the London office. She brings to the table over 22 years’ experience in financial services in Asia, Europe and the UK, primarily in investment and wealth management.
Karen works with the private banking teams to identify trends in wealth management and develop initiatives to help private clients understand the opportunities for their wealth, as well as the hurdles. She also works with the company’s network of finance, fiduciary and advisory professional partners to introduce our services and ensure Nedbank Private Wealth is seen as the provider of choice for high net worth individuals and their advisers.
Outside of work, Karen is on the management board of Women in Banking & Finance UK, an ambassador for Insuring Women's Futures and a member of the board of trustees for International Children's Trust. Karen holds a business degree earned in Germany and the UK.
+44 (0)20 7002 3607
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