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Information for mortgage brokers

Please note this information is only intended for use by regulated finance brokers, who are authorised to provide mortgage advice.

How we help

We are part of a global financial services company and we have our own low-geared balance sheet*.

Lending since 1987, we make consistent, long-term decisions. We provide borrowers and brokers with uninterrupted support, even during difficult economic times.

 

In the UK, we are authorised by the Financial Conduct Authority as a mortgage provider. Our FCA registration number is 313189.

 

* Please see our 2020 Financial Statement for details.

We appreciate that property is more than a financial transaction and see lending as a blend of art and science. We don’t adopt a tick box approach and don’t review a client’s credit scores per se. Instead, we look at the client’s entire finances.

 

Our approach is in the best interests of your clients – we are not just reviewing the collateral offered. We can also look at their investments and can help a client use Lombard lending, as well as borrowing against property, which could lead to better client outcomes over the long term.

We offer competitive interest rates and fee structures that depend on the nature of the transaction and risks involved in the financing.

 

Our margins are typically 2.5% for a residential, owner-occupier mortgage and 3% for a buy-to-let investment. We can offer both fixed rate and tracker facilities.

 

An arrangement fee is also payable on acceptance of any offer of mortgage we make to your clients. This fee depends on all the circumstances of the case, including any fee sharing arrangements. A typical arrangement fee would be 1% of the amount of the mortgage facility, with up to half of this paid to your firm as a retrocession. Any fees relating to a particular mortgage will be set out clearly for you and your clients.

It is important that borrowers consider the longer-term impact this has on their finances. For example, some may be borrowing to help the next generation onto the property ladder and need to understand how circumstances might dilute their efforts, and how they can mitigate the risks.

We provide holistic support for your clients that goes above and beyond the typical approach and explores various ‘what if’ scenarios.

It is important to note that your clients’ properties may be repossessed if they are unable to keep up repayments on their mortgages.

Webinars to watch

23 June 2021

Q2 London residential property market update

In our latest webinar, David McFadzean, head of wealth management, was joined by Marcus Dixon, head of research and data analysis at LonRes, and Rob Cohen, managing director of the MJ Group International. The panel discussed trends in London’s residential property market due to the pandemic, politics and those resulting from people beginning to return to the office.

30 May 2021

What's happening with UK property?

With clients seeking our support for property purchases, Mary Humphreys of our trust business hosted a session on 20 May with a focus on helping overseas buyers understand the taxation and some of the legal aspects of investing in property. She was joined by Anna Douglass, solicitor and counsel at Ferbrache & Farrell LLP, based out of Guernsey.

28 January 2021

Q1 London residential property market update

Colin Campbell hosted a 45 minute session with Marcus Dixon of LonRes and Rob Cohen of the MJ Group International. Their discussion covered the ramification of lockdowns on the capital’s bricks and mortar market, the most recent trends estate agents have been reporting, what support the March UK Budget might bring, and the impact all these have had on central London property prices.

Meet our lending specialists

Colin Campbell

Colin Campbell

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.

Andrew Bates

Andrew Bates

Andrew has over 27 years’ banking experience and joined us from Lloyds TSB in Miami where he was responsible for providing banking and investment services to clients in Latin America and the Caribbean. He initially joined the bank’s Isle of Man office in 2004, and following secondments in the South Africa and London offices, he moved to the UAE in 2013.

 

Based in Dubai, Andrew is primarily responsible for the bank's international growth in both the private client and intermediary sectors in the Middle East. He is a Chartered Member of the Chartered Institute for Securities & Investment and recently graduated from the London Business School with an Executive MBA. Andrew also has full STEP membership, qualifying him as a Trust and Estate Practitioner.

David Haynes

David Haynes

David has over 30 years’ experience in the financial services sector. He joined the Jersey office from the Royal Bank of Scotland International in 2000.

 

Specialising in lending, David works closely with the private bankers in Jersey to develop appropriate lending solutions for their clients. He also looks after his own portfolio of high-net-worth individuals, advising on all aspects of their wealth.

 

David is an Associate of the Chartered Institute for Securities & Investment.

Martin Ibanez

Martin Ibanez

Having joined the bank in its first year of establishment, Martin is one of our longest-serving members of staff and worked predominantly in our treasury operation before moving to the private banking team in 2004.

 

Martin is the relationship manager for a number of high-net-worth clients, delivering high quality service covering all aspects of their wealth management requirements, including lending, foreign exchange, and investment solutions.

 

Martin is a member of the London Institute of Banking and Finance.

Based on client conversations

Money management

Island life – what to consider when relocating to the Channel Islands

11 Oct

   |   5 mins

With the opportunity to work from home, with only occasional trips to the office, more people have looked to move out of London. But what locations are on their list? David Haynes flags the reasons many might choose the Channel Islands, and some aspects of a move that people should be conscious of.

Major life events

The billionaire bank of mum and dad

9 Sep

   |   5 mins

While parents and grandparents were already property financiers before the pandemic, the period since has seen far more support for the next generation. But does this support have long-term, unforeseen ramifications?

Money management

Webinar: Q2 London residential property market update

23 Jun

   |   50 mins

David McFadzean joined Marcus Dixon of LonRes and Rob Cohen of the MJ Group to discuss the current state of London's residential property market, what's been behind the news headlines and what to expect in the coming months.

Money management

Webinar: what's happening with UK property?

20 May

   |   44 mins

Mary Humphreys of Nedgroup Trust was joined by Anna Douglass of Ferbrache & Farrell LLP as they discussed the future of English residential property as an investment opportunity.

Get in touch

If you are interested in becoming a client, please complete the form via the ‘become a client’ button below. Alternatively, if you are already a client, or if you have a question about how we help clients in particular circumstances, please use the ‘contact us’ button.


We will get back to you as soon as we can during office hours, which are Monday to Friday, 8am to 8pm (UK time), except for UK public holidays.

Become a Client

Thank you for your interest in Nedbank Private Wealth. Please call us on +44 (0)1624 645000 or complete the requested information and one of our team will get back to you soon. We look forward to speaking with you.  Please note: If you are an EU resident, we are unfortunately unable to offer our services to you at present.

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Contact Us

Please call us today on +44 (0)1624 645000. Our office hours are weekdays from 8am to 8pm (UK time), except for UK public holidays.

 

Or please complete and submit the below form and one of the team will get back to you as requested.

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