Residential Mortgages
Our mortgages can fund the purchase or renovation of your principal residence, a holiday home or an investment property. You can also access our private lending services to remortgage homes you already own.
Flexible lending options
We work with you to fund your property aspirations
Whether you are looking to buy the home of your dreams or purchase the ideal holiday get-away, our bespoke lending service can help you. We give you the flexibility you need while supporting your long-term financial goals.
Each loan is reviewed individually to provide the most suitable solution for you in the short, medium and long term.
You can borrow from us for a maximum term of 30 years or up to the age of 80, with rates decided on an individual basis depending on the size of the loan relative to the value of the property, the loan term and how long you have been a client.
Do you need a mortgage?
We’re here to help. Call +44 (0)207 002 3600 or email [email protected]
Guarantor mortgages
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Helping your family get on the property ladder.
The steady rise in property prices means that many need the help of family to get on the property ladder.
We can not only work with families seeking this support, but also ensure that the guarantors have the right private wealth planning in place to protect their future finances and their investment in the next generations.
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The benefits we offer high net worth clients
The desire to help your children is strong, but could this leave you with longer term ramifications?
Taking money from your investments could mean you lose out on any growth.
Accessing your private pension may mean you don’t achieve all your retirement goals.
However, if you have investable assets over £1 million, you can secure a loan against your property or investment holdings. Retain your capital and continue to benefit from your wealth while helping your loved ones.
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Helping your family get on the property ladder.
The steady rise in property prices means that many need the help of family to get on the property ladder.
We can not only work with families seeking this support, but also ensure that the guarantors have the right private wealth planning in place to protect their future finances and their investment in the next generations.
-
The benefits we offer high net worth clients
The desire to help your children is strong, but could this leave you with longer term ramifications?
Taking money from your investments could mean you lose out on any growth.
Accessing your private pension may mean you don’t achieve all your retirement goals.
However, if you have investable assets over £1 million, you can secure a loan against your property or investment holdings. Retain your capital and continue to benefit from your wealth while helping your loved ones.
Interest only mortgages
Flexible lending to suit your needs
Our interest-only mortgages mean you only pay off the interest on the amount you borrow, while using investments or other assets you have to pay off the total amount borrowed at the end of your loan term.
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Lower payments
Given that you are only paying the interest, the regular costs are typically lower than for a repayment mortgage.
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Repay faster
You have the potential to repay the debt faster, especially if you already have an exit strategy in mind.
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An option when downsizing
If you plan to downsize, the proceeds of the property sale used to repay the debt and the difference used to purchase a new, smaller, property
Frequently asked questions
Nedbank Private Wealth
What types of mortgage interest rates do you offer?
Do you lend for properties in different areas?
What is the maximum loan-to-value for a residential mortgage?
Are there any property types you won't lend against?
Are there any development finance restrictions?
Borrow against investments
Access additional capital without having to sell your assets
Continue to benefit from the earning potential and any increase in value in your investments, while having the flexibility to explore other investment opportunities.
Other benefits include:
- An ability to tailor a loan to your specific requirements
- Access to competitive interest rates
- Easier and cheaper to set up than using property as security
- No need for a surveyor’s valuation or conveyancing fees
- An invariably swifter and more cost-effective approach than a bridging loan
- Where used for the purchase of rental property, tax benefits may apply
- All costs are clearly defined at the outset.
- Available from a minimum of £250,000 (or currency equivalent).
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What our clients say
Applicant requirements
Important information you need to know.
The applicant
- Must not have adverse account history or credit history prior to the date of application.
- Must be a UK, Isle of Man, Guernsey, or Jersey resident or national (other than those residing in the EU/EEA). Residents/nationals from other jurisdictions may be considered on a case-by-case basis.
Related case studies
Read about more clients we have helped
We have helped countless high net worth clients with their financial needs – some straightforward, some complex. Our bespoke approach, where we really get to know our high net worth clients, allows us to offer solutions that other wealth planners and private banks aren’t able to.
Long-term support via borrowing
Leveraging the family relationships
Two weeks to snap up prime land
Get in touch today
Speak to our private wealth advisers today about your residential mortgage requirements. Call +44 (0)207 002 3600 or email [email protected]
OUR TEAM
Meet our team of dedicated professionals
Our teams are highly skilled and will help to understand your needs, giving you access to proactive help and efficiency through a single point of contact.
Find out more about our teams in the UK, Isle of Man, Jersey and Dubai here
Frequently asked questions